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\n發言人強調,銀行業住宅按揭貸款的資產質素維持良好。截至3月底,整體按揭貸款拖欠比率只有0.09%,負資產個案的拖欠比率亦只有0.06%,反映絕大部份按揭貸款的借款人都能如期還款,銀行按揭業務風險可控。
經絡按揭轉介首席副總裁曹德明表示,雖然負資產數字高企,但不代表業主無力供款,過往十多年來本港業主還款能力一直處於穩健水平,根據金管局3月住宅按揭統計調查資料顯示,超過3個月及6個月未償還按揭貸款的拖欠比率分別報0.09%及0.06%,屬超低水平,顯示絕大部份業主的供款能力仍穩健,銀行借貸風險可控。曹德明提醒,有意置業之人士仍要衡量自身經濟及供款能力,避免借太盡,緊記按時供款以及預留至少半年的後備資金。
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