" the reduction in the mortgage rate on newly originated fixed rate mortgages mainly reflects a lowering of hkmc s funding cost along with an easing of the hong kong dollar interest rates , " said mr . peter s . t . pang , chief executive officer of the hkmc 按揭证券公司总裁彭醒棠说:是次调低新做定息按揭的按揭息率,主要是因为随著港元利率下调,按揭证券公司的融资成本有所下降。
All mortgages conforming to hkmc s purchasing criteria see below , irrespective of whether the loans will be sold to the hkmc , will be eligible for the mortgage guarantee . this will apply to both floating rate and fixed rate mortgage loans 所有符合按揭证券公司购买准则见下文的按揭贷款,无论会否售予按揭证券公司,都合资格获提供按揭担保,而且按揭担保同时适用于浮息和定息按揭贷款。
The corporation is now formulating specific proposals to develop this market and will consult the other key players whose participation would be needed to develop fixed rate mortgage products , such as commercial banks and investors of fixed rate paper 按揭证券公司正在制定发展这个市场的具体建议,并将谘询落实建议时其他必不可少的主要参与者的意见,其中包括商业银行与定息票据投资者等。
In recognition of the lower credit risk of fixed rate mortgages and in line with the practice in the us , the existing 6 - month seasoning requirement for floating rate mortgages will not be applied to the fixed rate mortgages originated under the pilot scheme 鉴于定息按揭信贷风险较低,同时参考美国的做法,按揭证券公司现时对浮息按揭所定必须已供款个月的要求将不适用于试验计划下的定息按揭。
In pursuit of this objective , the hkmc has , among other things , been studying means to promote the fixed rate mortgage market , which will offer additional choices of mortgage products for home buyers and insulate them from fluctuations in interest rates 为此,按揭证券公司曾致力研究促进定息按揭市场发展的方法定息按揭贷款将可为置业人士提供较多按揭产品的选择,并保障他们免受利率波动所影响。
" this will provide considerable headroom for the hkmc to expand its business , particularly in respect of the commitment to purchase mortgages under the forward commitment facility and the fixed rate mortgage programme , " said mr . peter pang , chief executive officer of hkmc 按揭证券公司行政总裁彭醒棠表示:这将可配合按揭证券公司在扩展业务上的需要,以便推展其在远期承诺安排以及定息按揭计划下承诺的按揭收购。