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[交流] 国家银行7月11日(星期三)或升息!房贷车贷利息或再次增加!

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发表于 2018-7-4 05:51 | 显示全部楼层 |阅读模式
国家银行7月11日或升息!房贷车贷利息或再次增加!


根据彭博社分析师预计,随着大马金融机构上调基本率(BR),房贷利率将随之调高10至15个基点。分析员指出,大马房贷利率料攀升,主要是因为银行业者将隔夜政策利率(OPR)调升的25个基点转嫁客户。



国家银行在今年1月25日上调隔夜政策利率25个基点至3.25%,下一次议息会议落在7月11日。分析员指出,房贷利率料由目前稳定的4.3至4.5%水平上升10至15个基点,主要是因为银行预计将上调基本率。

不过,近期上调利率可让赚幅获得喘息的空间,因为融资成本将跟随上扬步伐。国行2014年推出基本率框架,以提高隔夜政策利率的效率。

根据银行基本利率偏低分析员分析,受调整利率影响的银行包括汇丰银行、花旗银行和渣打银行等基本利率低于4%和拥有零售价竞争的外资银行,而

马来亚银行(MAYBANK,1155,主板金融组)和大众银行(PBBANK,1295,主板金融组)


则是拥有最低的基本利率,这反映了其面对低融资成本和促使该两家银行能够拥有巨大的定价能力。




银行近期的平均借贷利率获得改善,仅为借贷赚幅带来有限利益,归咎于存款成本也随之走高。据国行数据显示,截至今年4月,银行平均借贷利率增长27个基点至4.9%,比较去年上升9个基点。

存款业务竞争激烈,预计此情况将延续,并潜在增加银行的融资成本。

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x 1442
发表于 2018-7-4 19:42 | 显示全部楼层
大选前 分析人士 不是说 要保经济吗?

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x 164
 楼主| 发表于 2018-7-5 10:46 | 显示全部楼层
aidj 发表于 2018-7-4 19:42
大选前 分析人士 不是说 要保经济吗?

贸易战影响很大。。。。。

点评

剩下12小时48分钟 美国就要正式开打了!  发表于 2018-7-5 23:12

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x 457
发表于 2018-7-11 17:40 | 显示全部楼层
慢慢等着升息

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x 164
 楼主| 发表于 2018-7-12 21:47 | 显示全部楼层
Monetary Policy Statement
Ref No : 07/18/02 11 Jul 2018 Embargo : Not for publication or broadcast before 1500 hours on Wednesday 11 July 2018
At its meeting today, the Monetary Policy Committee (MPC) of Bank Negara Malaysia decided to maintain the Overnight Policy Rate (OPR) at 3.25 percent.

The global economy continues to expand albeit with some divergence across economies while global trade sustained its growth momentum. In the advanced economies, rising income and policy support, particularly in the US, will continue to drive growth. Growth in Asia will be supported by sustained domestic activity and external demand. However, the balance of risks to the outlook has tilted to the downside. The intensification of global trade tensions could affect sentiments and weigh on trade, investment and consumption. Coupled with ongoing monetary policy normalisation in the advanced economies, shifting investor expectations and sentiments could lead to further capital outflows and financial market adjustments in some emerging economies.

The Malaysian economy continued to expand in the first half of 2018, supported by private sector activity with additional impetus from net exports. The positive growth performance is expected to be sustained, driven by both domestic and external demand. Private consumption will be underpinned by continued wage and employment growth, with an additional lift from higher household spending due to the tax holiday. Investment activity is projected to be supported by capacity expansion mainly in the export-oriented industries and ongoing infrastructure projects, particularly in the transport and utilities sub-sectors. The external sector will continue to benefit from the sustained global growth momentum. The growth outlook will be further supported with greater certainty in domestic policy in the coming months. Overall, the Malaysian economy is expected to remain on a steady growth path.

Headline inflation for 2018 is projected to be lower than earlier forecast taking into consideration the impact of recent policy measures on domestic cost factors. The impact of these measures on inflation, however, is transitory. Headline inflation is likely to turn negative in some months and remain low in the first half of 2019 before trending upwards as these transitory effects lapse. Core inflation is nevertheless expected to remain relatively stable in line with sustained domestic demand.

The positive domestic economic outlook, sound financial sector and improving current account surplus of the balance of payments will continue to support Malaysia’s fundamentals. Domestic financial markets have remained resilient despite non-resident portfolio outflows. The ringgit exchange rate would be more reflective of the underlying fundamentals of the economy when the external and domestic uncertainties recede. Notwithstanding the heightened financial market volatility, the domestic monetary and financial conditions remain supportive of economic growth. Bank Negara Malaysia’s monetary operations continue to ensure sufficient liquidity to support the orderly functioning of money and foreign exchange markets and intermediation activity.

At the current level of the OPR, the degree of monetary accommodativeness is consistent with the intended policy stance. The MPC will continue to monitor and assess the balance of risks surrounding the outlook for domestic growth and inflation.

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x 140
发表于 2018-7-31 15:26 | 显示全部楼层
哇老,一直起利息,这些银行是吸血鬼来的。。。

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x 0
发表于 2018-9-6 09:36 | 显示全部楼层
幸好最新的利率保持不变

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