Sunday, March 18, 2007

銀行要收睇單費

銀行股陸續公布06年度業績,基本上本港銀行業務都有良好表現,盈利錄雙位數字增長更是意料之內。不過,近年多數賓架都話要積極拓展非利息收入去應付息口低企的競爭,除了設新收費項目外,還要想辦法阻止客戶流失。

禤中怡同保險界朋友談起,他就呻今日做保險辛苦,做「服務」就有,賺佣金就相當困難,皆因銀行積極搶攻保險服務也,最慘連客戶的利益也受到影響。他解釋,置業做按揭平常不過,銀行要求「幫襯」其火險產品亦屬理所當然,而當每年火險屆滿續保時,業主自然懂得找相熟保險經紀「格價」,一看之下當然是保險公司稍勝一籌。原來,銀行過去徵收火險費用相等於按揭額的0.14%至0.15%,即150萬元按揭額,火險費用最高約2,250元,但保險公司才收0.1%,即僅1,500元,相差750元。由於競爭大,銀行徵收率逐步至目前約0.12%,而保險公司則調低至0.08%抗衡,令兩者始終有約0.04%的差距。

問題是,業主轉換投保火險的保險供應商時,有些銀行卻向按揭客戶徵收一項名為「睇單費」的費用,即業主需將新火險保單提交予銀行過目,看看是否符合其按揭條款。據了解,東亞銀行(023)現時收取睇單費300元,而渣打銀行則要徵收200元。保險界朋友卻抱怨話,基本上各保險公司早已知道各銀行對有關保險的條款要求,照計不存在不符合條款情況,除非保險公司唔憂做。他認為這項費用根本就是讓銀行可說接近無本生利,難為業主要多支付一筆額外費用,亦增加業主轉保險公司的成本。不過,最令人哭笑不得的是,即使計入這筆睇單費後,業主幫襯其他保險公司,所涉保費總額依然較銀行有著數,可見非利息收入增長的來源「食水」之深!當然,亦有業主覺得成條數濕濕碎,由得銀行賺多點!

此外,銀行早已知道難留客,所以找尋不同「生存」方法,例如業主換投保火險的保險供應商時,需提交準確無訛的地址資料予銀行,與以往較寬鬆的政策有別,銀行一旦發現稍有遺漏,也要求業主重新提交資料,若不能於指定日期前處理好的話,銀行更會自動幫你續保那份火險,死未?保險界朋友話,其實,不要被火險這兩個字所混淆,皆因保障範圍還包含如水浸等突發事件所產生的損失。此外,銀行一般要求買火險的保障額需相等於按揭額,似保障銀行成分更多,但保障範圍最主要是單位內的結構、及入伙時已包含在內的物品如牆壁、門和窗等,最重要部分當然是單位結構(但並非閣下的家居物品!)。

不過,朋友即時話單位有幾何會破壞至影響結構呢?即賠償機會率及金額好微,盈利機會自然高,像佐敦嘉利大厦(重建後改名為Jd mall)燒到要拆卸重建可謂萬中無一,即使要賠,也只不過參考建築成本價,即所謂重置成本,與樓價本身掛鈎不大,如印象中假設整幢村屋倒塌,估計賠償亦不過50萬元而已,即相等建築費也,至於門窗價值實際有限。

這位朋友更提供醒目貼士,話置業人士購買單位時,所購火險需相等於按揭額,但當續保時,銀行當然不會提醒你這個重點,就是隨著累積供款增加,即代表按揭餘額也跟隨減少,再購火險時所需投保額亦可相應調低,保費自然能夠進一步減少,如樓價買入時為200萬元,當按揭額尚餘100萬元的話,火險保障只需100萬元便可,藉此節省開支,否則照買如儀的話,銀行又可賺多筆。不過,若有裝修改動如已拆門窗的話,日後火險就不包括這部分,因不屬原裝置業時的規格設備,置業人士反而可以另購家居保險去應付了。

(3月19日刊於《am730》)

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