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， 1998年7月份按揭貸款活動承接最近數月的趨勢，繼續保持較 平穩的步伐。
7月份新借出貸款總額從6月份的93.8億元稍跌至93.1億 元，跌幅0.7%（6月份跌幅為1.5%）。7月份新貸款平均 金額為160萬元，亦較6月份錄得的 168萬元減少。
7月份新批出貸款總額減少9.1%，至105億元 （6月份為 116億元）。大部分新批出貸款來自一手市場物業。7月份已批 出但未被取用貸款上升6.3%，由6月份的73.6億元，增至 78.3億元。
7月份新批出按揭貸款的平均按揭比率為60%，而貸款平均合約 期為226個月。新批出貸款中99.3%是業主自用物業。
7月份的未償還按揭貸款增加0.81%，6月份增幅則為0.78%。 截至7月底止，過去3個月的按年計算未償還貸款增長率由6月份的 8.9%，增至9.2%。過去12個月的平均增長率則由6月份錄 得的16.9%，跌至7月份的13.7%。
至1998年7月為止，按揭貸款拖欠比率（過期3個月以上的按揭 貸款佔未償還按揭貸款總額的比率）微升至0.34%（6月份為 0.29%）。
7月份按揭利率略為回順。在新批出貸款中，只有33.8%以最優 惠利率加1厘以上批出（6月份為38.9%）。按最優惠利率加 50個基點批出的貸款顯著增加，由6月份的0.2%增加至7月份 的14.8%，其中大部分與一手市場交投有關。
金管局副總裁簡達恆說：「按照現時市場情況，預期按揭貸款增長步 伐將會繼續平穩。最新的貸款拖欠比率顯示住宅按揭貸款素質繼續保 持在高水平。」
7月份用以購買中國內地物業的貸款總額由6月份的1.28億元， 稍跌至1.16億元。未償還貸款總額亦微跌0.31%，至 78.6億元。
香港金融管理局
1998年8月26日
Results of Survey for July 1998 |
||||||
| Jul-98 | Jun-98 | |||||
| HK$m | HK$m | |||||
| 33 Authorised Institutions | ||||||
| 1. | Gross new loans made during month | |||||
| a. | Amount of new loans | 9,314 | 9,384 | |||
| b. | Monthly change in amount | -0.7% | -1.5% | |||
| c. | Number of new loans | 5,831 | 5,576 | |||
| d. | Average size of new loans | 1.60 | 1.68 | |||
| 2. | New loans approved during month | |||||
| a. | Amount of approvals | 10,505 | 11,559 | |||
| b. | Monthly change in approvals | -9.1% | 10.1% | |||
| # | c. | Number of applications | 7,788 | 8,229 | ||
| d. | Number of approvals | 6,559 | 6,725 | |||
| e. | Average size of approvals | 1.60 | 1.72 | |||
| # | f. | Average loan-to-value ratio (%) | 60.08 | 59.86 | ||
| # | g. | Average contractual life (months) | 226.00 | 230.00 | ||
| # | h. | Owner-occupied properties (%) | 99.30 | 99.30 | ||
| By Property age | ||||||
| Property age - 15 years or below | - amount | 9,408 | 10,256 | |||
| - number | 5,605 | 5,761 | ||||
| Property age - above 15 years | - amount | 1,097 | 1,303 | |||
| - number | 954 | 964 | ||||
| Associated with co-financing schemes | ||||||
| - amount | 1,236 | 1,485 | ||||
| - number | 611 | 720 | ||||
| 3. | New loans approved during month | |||||
| but not yet drawn | ||||||
| a. | Amount of approvals | 7,827 | 7,364 | |||
| b. | Number of approvals | 4,712 | 4,233 | |||
| 4. | Amount of outstanding loans | |||||
| a. | Amount of loans | 447,240 | 444,148 | |||
| b. | Monthly change in loans | 0.81% | * | 0.78% | ||
| c. | Twelve-month change in loans | 14.0% | * | 17.4% | ||
| d. | Average monthly changes over | |||||
| last three months (annualized) | 9.2% | * | 8.9% | |||
| last twelve months (annualized) | 13.7% | * | 16.9% | |||
| Associated with co-financing schemes | ||||||
| - amount | 20,608 | 20,075 | ||||
| - number | 9,597 | 9,326 | ||||
| # | Delinquency ratio (%) | |||||
| - more than 3 months | 0.34 | 0.29 | ||||
| - more than 6 months | 0.10 | 0.08 | ||||
| 5. | Interest margin on new loans approved during month | |||||
| a. | At BLR | 0.3% | 0.4% | |||
| b. | More than 0% and up to 0.25% above BLR | 1.0% | 2.3% | |||
| c. | More than 0.25% and up to 0.5% above BLR | 14.8% | 0.2% | |||
| d. | More than 0.5% and up to 0.75% above BLR | 15.9% | 22.9% | |||
| e. | More than 0.75%and up to 1% above BLR | 25.2% | 26.8% | |||
| f. | More than 1% above BLR | 33.8% | 38.9% | |||
| g. | Others | 9.0% | 8.5% | |||
| * | Adjusted for the effect of reclassification and sale of mortgage loans to HKMC | |||||
| by a number of institutions amounting to $500 million. | ||||||
| # | Statistics collected from June 1998 onwards. | |||||
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.
