Sunday, February 25, 2007

拔萃也出利是封

學校為吸引家長注意,除於學校內掛上自己學生的豐功偉績,如學界拿了多少個冠軍、多少學生考獲優異成績外,難得今日連學校也不放過以利是封為宣傳工具。禤中怡女兒小豬在拜年時收到的一封利是封,竟來自名校「拔萃」,但並非拔萃女書院,而是拔萃男書院,DBS也。禤中怡拿著這個利是封,只見金色學校大招牌照耀外,還有騰龍連珠的背景圖案,細看還印有DBS白字,料印刷費不菲,至於資金何來就不得而知了。DBS一向出名人,著名校友如香港民政事務局局長何志平和行會成員范鴻齡最為熟悉,老一輩的歌迷應知林子祥也是DBS仔,剛離世的前九廣鐵路主席楊啟彥亦曾入讀該校,而與楊氏並非太好朋友的九鐵主席田北辰和其兄長田北俊也出自DBS,真是星光熠熠,相信校友、家長亦樂於掏腰間錢買這些利是封威威,學校又收宣傳之效兼發一筆豐厚的新年財。未知拔萃今年會否生產月餅呢?

滙豐加費抗減息
新春過後,又是業績公布高峰期,而主打的自然是銀行股莫屬。大家最關注的料為獅子銀行滙豐控股(005)於下月5日公布末期業績也,皆因美國樓市出事,加上滙控本身管理發生問題,的確為大戶提供不明朗因素的炒賣機會。禤中怡所知,滙控巨頭,即主席葛霖(Stephen Green)和總裁紀勤(Michael Geoghegan)均不會來港主持業績公布會,與以往作風有變,莫非留在英國集中應付向歐洲投資者解畫好過?

近來滙豐話題多多,當中又以減按揭息最貼身。投資者或擔心利息收入下降問題,但相信大家要著眼於「收費型銀行」時代早已來臨,各種服務徵收費用以彌補利息下調的影響。禤中知發現滙豐將由5月1日起,將最低還款額降至須付貸款額3%,與以往的4%減1個百分點,意味可供貸款空間進一步上升,所謂小數怕長計,加上其客戶龐大,若愈多人支付最低貸款額,所獲利息收入便愈多,真的是山大斬埋有柴。

若果要用現金應急的話,儘管收取貸款2%作現金貸款費和3%為手續費無變,用自動櫃員機或櫃位提取貸款的最低收費分別加5元和10元,至55和80元,即分別加10%和14%,還有,該行將調高信用卡年費,如一般萬事達和滙財卡基本卡年費由220元增加13.6%至250元,金卡更增至550元,加幅達14.5%,認真有計。

當然不會只有一間銀行加價,故大家收帳單時,小心閱讀內裡乾坤。

言歸正傳,滙豐帶動減按揭息後,其他銀行陸續有來,滙豐的招數會否奏效呢?或許以一個例子可解釋現時樓按的微觀市場。禤中怡的朋友置業,正尋找銀行安排按揭貸款,儘管滙豐批准提供新按揭息4.87厘兼送2.8萬元信用卡免簽帳額,但他卻指富邦銀行(636)的銀行同業拆息減0.1厘,連同手續費約0.5%,按揭息最多約4.2厘,兼有現金回贈落袋,而且即使拆息向上,按息上限亦僅約4.9厘,由於拆息仍徘徊在低位,值博率較高,試問怎選滙豐呢?而且例必有其他銀行加入減息戰,本身物業成交期尚有一段距離,樂於靜待變化,實行貨比三家才作決定。

(2月26日刊於《am730》)

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