Banks signal higher interest rates on the horizon Move in response to rising financial costs

Banks signal higher interest rates on the horizon  Move in response to rising financial costs

Commercial banks provide deals on financial loans and savings at the Money Expo 2022 held in May at Impact Muang Thong Thani. 

Banks have indicated higher interest rates are planned for mortgages and auto loans in response to rising financial costs and a policy rate hike.

However, all banks have maintained their benchmark loan rates.

Nathapol Luepromchai, executive vice-president of Bank of Ayudhya, who heads the bank’s mortgage division, said banks have begun to stop offering two-year and three-year fixed-interest rate campaigns, switching to fixed rates for 12-month and six-month periods. He said this move is in line with the upward trend of interest rates.

Analysts expect the Bank of Thailand will raise its policy rate by 50 basis points this year. The central bank’s Monetary Policy Committee (MPC) is expected to raise the rate by 25 basis points at its next meeting in August.

If the MPC decides to hike the policy rate by a quarter-point in August, banks are expected to stop offering their existing fixed-rate mortgages for one-year and six-month periods, said Mr Nathapol.

However, the rising inflation rate, which is reflected in higher living costs, is a greater concern than an interest rate hike, he said.

If the minimum retail interest rate (MRR), a benchmark rate for housing loan calculations, increases by 25-50 basis points following a policy rate hike, financial costs for homebuyers will increase by only 0.25-0.5%, while construction material costs have jumped 7-10%, said Mr Nathapol.

If a homebuyer takes out a mortgage of 1 million baht and the MRR increases by 0.25% per year, this will add 2,500 baht per year to the loan, or around 208 baht per month.

The additional cost is not expected to have a significant impact on their monthly debt instalment payments as banks could adopt flexible conditions for monthly mortgage payments in contracts, he said.

Kasikorn Leasing’s managing director Tirachart Chiracharasporn said fixed interest rates for auto loan products have been rising the past few months because of banks’ higher financial costs in the money market. On average, if the fixed interest rate increases by 10-50 basis points, borrowers’ financial cost will increase by 40-200 baht per month, he said.

Thanyalak Vacharachaisurapol, deputy managing director of Kasikorn Research Center, said the centre predicts commercial banks are unlikely to increase their prime interest rates for both deposits and loans across the board immediately after a central bank rate hike, instead opting for a selective basis.

She said the banking system’s liquidity remains high and there is still a need to assist customers during the economic recovery.

Ms Thanyalak said smaller banks have offered high interest rates for long-term fixed-rate deposit campaigns. Some have started to increase interest rates for auto and mortgage loans in various campaigns, she said.

“However, rising interest rates for car and home loans will not impact consumers broadly because these buyers have higher purchasing power than the lower-income segment,” said Ms Thanyalak.

The central bank’s senior director for the economic and policy department, Sakkapop Panyanukul, said at a recent analysts’ meeting commercial banks have begun to react to a possible policy rate hike by adjusting interest rates on some products.

He said signs of economic recovery are clearer, but the rebound is gradual. Some sectors are still vulnerable, especially low-income households and small and medium-sized enterprises suffering from rising costs.

The central bank issued previous measures to ease the financial burden for vulnerable borrowers and allow them to better access funding sources, especially recovery loans and long-term debt restructuring programmes.

Surach Tanboon, the central bank’s senior director for the monetary policy department, said real interest rates would increase in accordance with economic fundamentals.

The Economic Intelligence Center (EIC), a research house under Siam Commercial Bank, reported outstanding corporate bonds in the second quarter of this year increased by 10.7% year-on-year. Listed companies have rushed to issue bonds before the upcoming rate hike cycle in the second half of the year. During January to May this year, total corporate bond issuance stood at 552 billion baht.

The EIC forecasts new corporate bond issuance in 2022 to exceed 1 trillion baht for the third time.

Bond issuance in 2019 totalled 1.08 trillion baht and last year it tallied 1.03 trillion.

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Palay-Palay  National ParkAbout PagudpudFive Levels of Aguinid FallsIntroducing San Pascual, MasbateMount Manmanoc ItineraryAdventures in Fortune Island of Nasugbu | LakwatseroNext Level Mobile Photography with Sony Xperia XZ1 | LakwatseroScuba Diving in Siargao: Discovering the Underwater Treasures of Daku Island | LakwatseroAbout Davao CityHow to Get to AndaJanuary: Cebu & IloiloHow to Get to Mines View ParkKamay ni Hesus: Pilgrimage Site in Lucban | LakwatseroPoon Hill: Three Days of Himalayan AdventureCalvary Hill Cemetery of SagadaHow to Get to TambobongMilford SoundTen Things To Do in Sagada: Bucket List for NewbiesDahoyhoy FallsPilot for a Day: The Ultra Light Aircraft Experience | LakwatseroReal Coffee and Tea Cafe of Boracay | LakwatseroGhorepani Poon Hill TrekAbout Maniwaya IslandHow to Get to Binanga FallsPalo Alto Falls of Baras, Rizal | LakwatseroExplore Moscow: Best Things to Do in the City | LakwatseroStairway to HeavenMount Guiting-Guiting Overnight Trek Complete ItineraryCape Melville LighthouseLa Cathedral Café: Restaurant with a View in IntramurosKapurpurawan Rock Formation: White and BeautifulDay Hike ItineraryThe Sandbox at AlvieraHow to go to Mararison IslandA Weekend of Adventures in South Cebu and DumagueteCalayan Island: A Virtual Diary of Our Epic Journey | LakwatseroFaro de Isla Jintotolo (Jintotolo Island Lighthouse)Low’s PeakAbout Taal VolcanoHow to Get to Mag-aso Falls of BoholSamar: Biri Rock Formations Up Close | LakwatseroBonbon BeachIntroducing Jomalig IslandAbout Cotabato CityAbout TabukLeyte Landing Memorial: A Memorial for a Fulfilled Promise | LakwatseroSilyang Bato, Mount MaramiPanimahawa Ridge and Cedar Falls Day Hike ItineraryFun in the World’s Best IslandSample Albay ItinerariesMagpupungko Beach and Tidal Pools6 Tips for Living in the Philippines | LakwatseroDaraga Church: The Nuestra Señora dela Porteria ChurchTulgao Rice TerracesCape Melville Lighthouse (Faro del Cabo Melville)Canyoneering to Kawasan FallsLake FewaLong Weekend: Five-Day Suggested Itineraries in Luzon | LakwatseroAbout CaponesThe Wichcraft Café of Zamboanga City | LakwatseroHow to Get to GuiuanAll-Female FloorHow to Get to Neri’s VilleDiotay’s EateryShort but Sweet Melaka Getaway | LakwatseroHow to Get to Tinuy-An FallsOslob: The Lost Grandeur of Tumalog Falls | LakwatseroIlocos ItineraryDitumabo Falls: The Mother Falls of San Luis, Aurora!Biking in Kalinga: Trek and Bike to TabukParadise Garden: A Haven for Sea TurtlesSiargao: Magpupungko Beach and Tidal Pools | LakwatseroAbout Bucas GrandeCoral GardenSagadaA Walk in Sangay Siapo Island Before it is Gone? | LakwatseroAmbaguio-Akiki ItineraryCorregidor Island Lighthouse (Faro dela Isla de Corregidor)Faro de Punta de Malabrigo (Malabrigo Point Lighthouse)About CulionNaidi Hill LighthouseBoquete IslandHow to Commute to Temple of LeahCatanduanes: The Heritage Church of Bato | Lakwatsero1. White Water Rafting or KayakingMount Fuji Overnight Climb ItinerarySip & Gogh Paint Studio: Unleash Your Inner Van Gogh | LakwatseroBatanes ItineraryHow to Get to Quitinday HillsAbout Callao CaveDiscover LakawonBiking to Taal: A Fun Ride to Batangas’ Heritage TownAntique Blooming: The Rafflesia of San RemigioMalasimbo Lights and Dance FestivalBacolod ItineraryPoon HillAttractions in Mirador Heritage and Eco ParkHulhumale Public BeachRomblon Island: Bonbon Beach, Tiamban Beach & MoreAdventure in Sabah: White Water Rafting in Padas River | LakwatseroHow to Get to Hinakpan Mystical HillsWelcome to Lake SebuAbout CasiguranAbout BuscalanHow to Go to Kalanggaman IslandFaro de Cabo Bojeador (Cape Bojeador Lighthouse)Backpacking Maldives: Budget Itinerary, Expenses & TipsHow to Get ThereOffbeat Bohol Itinerary: 3D/2N of AdventuresHow to Get to Tawi-TawiAlona BeachPangilatan Falls: The Forgotten Gem of Tapaz, CapizWorld War I: SMS Cormoran II3D/2N Taiwan Itinerary: Taipei – Yehliu – ShiffenLaos for Backpackers: Getting There on a BudgetBasic RequirementsHow to Get to Antong FallsCathedral CaveHow to Go to Gubat, SorsogonAbout SadangaHow to Get to Bugui Point LighthouseHow to Get to Cabra Island LighthouseCebu Itinerary: Three-Day Adventures in the SouthAbout AndaLuna: A Day in the Show Window of Apayao | LakwatseroMargues Blue LagoonFinding Palaui’s Cape Engaño Lighthouse | LakwatseroHow to Get to Mantayupan Falls of Barili, CebuHow to Get to MaligcongLinapacan Islands: Between Paradise | LakwatseroKLIA to KLCCHow to Get to JomaligBanaug ShoalEspadang Bato – Payaran Falls Day Hike Itinerary10 Remarkable Philippine Destinations for Solo TravelMiagao Church: A UNESCO World Heritage Site in IloiloAbout Carbin ReefAbout Parola IslandCabra WreckageCobra Falls: Ozamiz City’s Best Kept SecretBasco: The Chapel on the Hill of Tukon | LakwatseroBack in Kathmandu’s Lovely Mess | LakwatseroHimalayan Adventure: Kathmandu to Pokhara Overland | LakwatseroItineraryChinatown Vancouver (Stop #23)Situbo Falls: Tampilisan's Awesome SurpriseHow to Get to Inambakan FallsTuasan Falls: Another Camiguin’s Charmer | LakwatseroHow to Get to Lake SebuMarinduque Loop: Biking in the Heart of the Philippines1. 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Cruz Grande IslandBasilica de San Martin de ToursBaguio Budget Stay: Upstairs Bed & Bath | LakwatseroBiking in Batanes: Batan Island Loop | LakwatseroCandaba Bird SanctuaryCape EngañoAbout HungduanIligan Tourism Triangle: Mimbalut, Tinago & Maria CristinaAbout Jose PanganibanCadapdapan Rice TerracesHow to Get to Casaroro FallsKiltepan: Sagada’s Best Sunrise | LakwatseroBeguet: Colorado Falls of Tuba | LakwatseroFollow the Call of the Great Outdoors: Go Out & Get More | LakwatseroSanga-Sanga ReefMasbate City: Where to Eat in the City | LakwatseroAbout Carabao IslandRain Vortex at the Jewel of ChangiPacsafe Venturesafe 65L GII Travel PackIrakoWhere to Stay in CarmenHow to Get to Tangadan FallsHow to Get to Samal Island