銀行同業拆息是否等於供樓利息?
回答 (2)
2010-09-24 11:06 pm
✔ 最佳答案
完全不同。銀行一般的按揭利率用'最優惠利率(prime rate,俗稱p)'做base，每間銀行的p都唔同，亦會調整，現在的p做緊5-5.25%,通常做p-3.1%,p-2%等等，按case定。而由於近年利息偏低，銀行水浸，所以亦有按揭計劃以'銀行同業拆息'(hibor)做base.hibor會平d，但hibor比prime不穩定。
2010-09-20 9:31 pm
HIBOR = 銀行同業拆息
prime rate = 最優惠利率
It depends what mortgage plan you are using.
If you use prime rate (P) plan, the HIBOR only have indirect effect on the mortgage interest expense.
However, if you use HIBOR (H) plan (say H+0.7%), the HIBOR rate is in direct proportion to your interest expense.
prime rate = 最優惠利率
It depends what mortgage plan you are using.
If you use prime rate (P) plan, the HIBOR only have indirect effect on the mortgage interest expense.
However, if you use HIBOR (H) plan (say H+0.7%), the HIBOR rate is in direct proportion to your interest expense.
收錄日期: 2021-04-23 18:26:54
原文連結 [永久失效]:
https://hk.answers.yahoo.com/question/index?qid=20100919000051KK01515