1. What would change if rates were cut on the current mortgage book? We expect 1) the pace of mortgage replacements to accelerate on a one-off rate cut on existing mortgages. Previously, we estimated ~4 more years to complete the mortgage replacement, assuming ~10% replacement completes in a half year and that the replacement cycle started in 2H22, and that ~20% of the mortgage book had been remortgaged by end-1H23.(...
寧波銀行股票討論區
We expect 1) the pace of mortgage replacements to accelerate on a one-off rate cut on existing mortgages. Previously, we estimated ~4 more years to complete the mortgage replacement, assuming ~10% replacement completes in a half year and that the replacement cycle started in 2H22, and that ~20% of the mortgage book had been remortgaged by end-1H23.(...
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