香港金融管理局 - 九七年十二月住宅按揭統計調查結果公布

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1998年01月26日

九七年十二月住宅按揭統計調查結果公布

香港金融管理局（金管局）最新的住宅按揭每月統計調查結果顯示， 97年12月份新辦按揭貸款業務繼續放緩。

12月份新借出貸款無論在宗數上和總金額上均大幅減少。新貸款宗數下跌37%，由11月份的8，343宗下跌至12月份的 5,253宗；新貸款總額則下跌36%,由11月份的153億元下跌至12月份的98億元。12月份的新貸款平均金額則微升至 186萬元，11月份則為183萬元。12月份的未償還按揭貸款增加0.44%，11月份的增幅則為1.2%。

12月份新批出貸款總額再下跌29.8%，至84億元，反映12月份市場仍然表現呆滯。12月份已批出但未被取用貸款也顯著下跌 38%，由11月份的86億元，下跌至12月份的53億元。

截至12月底止，過去3個月的按年計算未償還貸款增長率由11月份的20.6%，下跌至9.9%。過去12個月的平均增長率也由 11月份錄得的31%，下跌至12月份的28.3%。

12月份按揭利率繼續上升，在新批出貸款中，超過半數是以最優惠利率加1厘或以上批出。

金管局副總裁簡達恆說：「鑑於已批出但未被取用貸款數目繼續減少，再加上目前市況淡靜，預期貸款活動會繼續放緩。」

12月份用以購買國內物業的貸款總額由11月份的2.71億元，增加至12月份的2.82億元。未償還貸款總額增加1.65%，至79億元。

香港金融管理局

1998年1月26日

**Residential Mortgage Survey Results for December 1997**
33 Authorised Institutions	Dec-97 HK$m	Nov-97 HK$m
1. Gross new loans made during month Amount of new loans Monthly change in amount Number of new loans Average size of new loans	9,767 -36.2% 5,253 1.86	15,299 -14.4% 8,343 1.83
2. New loans approved during month Amount of approvals Monthly change in approvals Number of approvals Average size of approvals By Property age Property age - 15 years or below - amount - number Property age - above 15 years - amount - number Associated with co-financing schemes - amount - number	8,394 -29.8% 4,307 1.95 6,726 3,220 1,667 1,087 673 264	11,956 -45.6% 6,311 1.89 9,261 4,561 2,696 1,750 210 63
3. New loans approved during month but not yet drawn Amount of approvals Number of approvals	5,320 2,464	8,606 4,326
4. Amount of outstanding loans Amount of loans Monthly change in loans Twelve-month change in loans Average monthly changes over last three months (annualized) last twelve months (annualized) Associated with co-financing schemes - amount - number	425,469 0.44%* 28.9%* 9.9%* 28.3%* 14,653 7,126	425,784 1.2% 31.3% 20.6% 31.0% 14,746 7,182
5. Interest margin on new loans approved during month At BLR More than 0% and up to 0.25% above BLR More than 0.25% and up to 0.5% above BLR More than 0.5% and up to 0.75% above BLR More than 0.75% and up to 1% above BLR More than 1% above BLR Others	1.4% 9.9% 8.8% 14.9% 37.5% 17.9% 9.6%	3.6% 12.4% 14.5% 16.4% 31.6% 14.4% 7.1%
* Figures have been adjusted for the effect of sale of mortgage loans to the HKMC and securitisation amounting to HK$ 2,200 million.

RESIDENTIAL MORTGAGE LOANS IN HONG KONG
(33 institutions)

GROSS NEW LOANS MADE DURING THE MONTH

NEW LOANS APPROVED DURING MONTH

NEW LOANS APPROVED BUT NOT YET DRAWN

Remarks: The significant fall of outstanding balance in December 1994 was due to the effect of reclassification, securitization and sale of loans by some institutions.