01 Nov 2021

按證公司宣布定息按揭計劃恒常化 20年利息2.2厘免壓力測試
Mortgage Corporation Announces Regularization of Fixed Rate Mortgage Plan, 20-year interest rate 2.2% exempt from stress test

政府近年透過按揭證券公司推出最長達20年的定息按揭試驗計劃，今日按證公司宣布由11月1日起將計劃由試驗性質轉為恆常計劃，但將改為每月更新定息年率，最新至明年1月底定息為1.99厘至2.19厘，最長定息20年，每宗貸款上限為1,000萬元。有按揭業界則指，定安息率較市場息率高，較少客戶會選用。
定息按揭計劃下，每宗住宅按揭貸款上限為1,000萬元。定息期完結後，借款人可選擇採用屆時的定息按揭或浮息按揭計劃，優勢在於借款人無須符合加息壓力測試，但現行的供款與入息比率要求仍然適用。

In recent years, the government has launched a 20-year fixed-rate mortgage trial plan through the Mortgage Corporation. Today, the mortgage company announced that the plan will be converted from a trial to a regular plan starting from November 1. By the end of January next year, the fixed interest rate will be 1.99% to 2.19%, with a fixed interest rate of up to 20 years and a ceiling of $10 million per loan. Some mortgage industry pointed out that the fixed interest rate is higher than the market interest rate, and fewer customers will choose it.
Under the fixed-rate mortgage plan, each residential mortgage loan is capped at $10 million. After the end of the fixed interest period, the borrower can choose to adopt the fixed-rate mortgage or floating-rate mortgage plan at that time. The advantage is that the borrower does not need to meet the stress test of interest rate hikes, but the current contribution-to-income ratio requirements still apply.