【2022压力测试新旧对照】新压测通过更easy?最低月入要求变化?月入一万可供多几多?
放宽压测对最低月入要求的变化?
下表一眼睇哂不同$500万贷款额在年期的压测月入要求的变化:
贷款额500万,年期30年 |
||||||
按息 |
2.625% |
2.725% |
2.875% |
|||
每月供款 |
$20,083 |
$20,346 |
$20,745 |
|||
基本DTI月入要求(50%) |
$40,166 |
$40,692 |
$41,490 |
|||
压测要求 |
旧(+3厘) |
新(+2厘) |
旧(+3厘) |
新(+2厘) |
旧(+3厘) |
新(+2厘) |
最低月入要求(60%) |
|
$42,845 |
|
$43,345 |
|
$44,101 |
变化 |
-$5,126(-10.7%) |
-$5,154(-10.6%) |
-$5,194(-10.5%) |
年期25年 |
||||||
按息 |
2.625% |
2.725% |
2.875% |
|||
每月供款 |
$22,747 |
$23,002 |
$23,387 |
|||
基本DTI月入要求(50%) |
$45,494 |
$46,004 |
$46,774 |
|||
压测要求 |
旧(+3厘) |
新(+2厘) |
旧(+3厘) |
新(+2厘) |
旧(+3厘) |
新(+2厘) |
最低月入要求(60%) |
|
$46,913 |
|
$47,390 |
|
$48,111 |
变化 |
-$4,885(-9.4%) |
-$4,910(-9.4%) |
-$4,946(-9.3%) |
年期30年 |
||||
巿场按息 |
2.625% |
2.725% |
2.875% |
|
最高贷款额 |
旧(+3厘) |
|
|
|
新(+2厘) |
$1,166,998 |
$1,153,532 |
$1,133,769 |
|
可多借几多? |
+$124,711(+12%) |
+$122,579(+11.9%) |
+$119,646(+11.8%) |
年期25年 |
||||
巿场按息 |
2.625% |
2.725% |
2.875% |
|
最高贷款额 |
旧(+3厘) |
|
|
|
新(+2厘) |
$1,065,811 |
$1,055,074 |
$1,039,266 |
|
可多借几多? |
+$100,521(+10.4%) |
+$99,046(+10.4%) |
+$96,881(+10.3%) |
如果仍不能通过压测,可以点做?除了减少按揭成数外,其实也有方法可以帮助买家通过压测,借足目标按揭成数,详情可参阅,延伸阅读:
【2023最新压力测试懒人包】点解唔pass?过唔到可以点补镬?
例子以楼价在按保下最高贷款额连同按揭保费及30年期计算 |
||||
楼价 |
$600万 |
$800万 |
$1,000万 |
$1,200万 |
按揭金额 |
$540万 |
$720万 |
$900万 |
$960万 |
市场息率 |
压测下最低月入要求(红色为对比旧制之变化) |
|||
2.625厘 |
$48,586 (-$5,814/-10.7%) |
$64,782 (-$7,751/-10.7%) |
$81,201 (-$9,716/-10.7%) |
$84,582 (-$10,120/10.7%) |
2.725厘 |
$49,153 (-$5,845/-10.6%) |
$65,538 (-$7,793/-10.6%) |
$82,149 (-$9,767/-10.6%) |
$85,570 (-$10,174/-10.6%) |
2.875厘 |
$50,010 (-$5,891/-10.5%) |
$66,680 (-$7,854/-10.5%) |
$83,581 (-$9,844/-10.5%) |
$87,061 (-$10,254/-10.5%) |
如需进一步了解详情,欢迎与我们的专业按揭顾问联络。
中原按揭客户服务热线 2889 2886 | Whatsapp 9228 2138