香港金融管理局（金管局）最新的每月住宅按揭統計調查結果顯示，1998年 8月份按揭貸款活動持續放緩。
8月份新借出貸款總額從7月份93.1億元減少至 84.3億元，跌幅為 9.5%（7月份跌幅為0.7%）。8月份新借出貸款平均金額為162萬元， 較7月份錄得的160萬元為高。
8月份新批出貸款總額顯著減少42.1%，至61億元（7月份為105億元）， 反映7月及8月份物業交投處於低水平。8月份已批出但未被取用的貸款減少 52.3%，由7月份的78.3億元減少至37.3億元。
在8月份新批出的按揭貸款中，平均按揭比率為58%（7月份為60%），而 貸款平均合約期為217個月（7月份為226個月）。新批出貸款中 99.2%與業主自用物業有關。
8月份的未償還按揭貸款增加0.64%，7月份增幅則為0.81%。截至8月 底，過去3個月的按年計算未償還貸款增長率由7月份的9.2%，跌至9.1%。 過去12個月的平均增長率則由7月份錄得的13.7%，跌至8月份的12.0%。
一如預期，8月份按揭貸款拖欠比率（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）持續上升至0.44%（7月份為0.34%）。然而，銀行業按 揭貸款組合的整體素質則維持良好。
8月份按揭利率略為回順。在新批出貸款中，只有29.7%以最優惠利率再加1厘 以上的利率批出（6月份為33.8%）。
金管局副總裁簡達恆說：「雖然9月份一手市場稍為活躍，但預期整體新貸款活 動將持續放緩。」
8月份用以購買中國內地物業的貸款總額由7月份的1.16億元，下降至 1.00億元。未償還貸款總額則微升0.75%，達79.2億元。
香港金融管理局
1998年9月23日
Residential Mortgage Loans in Hong Kong
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| Aug-98 | Jul-98 | |||||
| HK$m | HK$m | |||||
| 33 Authorised Institutions | ||||||
| 1. | Gross new loans made during month | |||||
| a. | Amount of new loans | 8,427 | 9,314 | |||
| b. | Monthly change in amount | -9.5% | -0.7% | |||
| c. | Number of new loans | 5,205 | 5,831 | |||
| d. | Average size of new loans | 1.62 | 1.60 | |||
| 2. | New loans approved during month | |||||
| a. | Amount of approvals | 6,079 | 10,505 | |||
| b. | Monthly change in approvals | -42.1% | -9.1% | |||
| # | c. | Number of applications | 4,710 | 7,788 | ||
| d. | Number of approvals | 4,055 | 6,559 | |||
| e. | Average size of approvals | 1.50 | 1.60 | |||
| # | f. | Average loan-to-value ratio (%) | 58.06 | 60.08 | ||
| # | g. | Average contractual life (months) | 217.00 | 226.00 | ||
| # | h. | Owner-occupied properties (%) | 99.23 | 99.30 | ||
| By Property age | ||||||
| Property age - 15 years or below | - amount | 5,193 | 9,408 | |||
| - number | 3,268 | 5,605 | ||||
| Property age - above 15 years | - amount | 886 | 1,097 | |||
| - number | 787 | 954 | ||||
| Associated with co-financing schemes | ||||||
| - amount | 375 | 1,236 | ||||
| - number | 208 | 611 | ||||
| 3. | New loans approved during month | |||||
| but not yet drawn | ||||||
| a. | Amount of approvals | 3,731 | 7,827 | |||
| b. | Number of approvals | 2,516 | 4,712 | |||
| 4. | Amount of outstanding loans | |||||
| a. | Amount of loans | 450,124 | 447,240 | |||
| b. | Monthly change in loans | 0.64% | * | 0.81% | ||
| c. | Twelve-month change in loans | 12.1% | * | 14.0% | ||
| d. | Average monthly changes over | |||||
| last three months (annualized) | 9.1% | * | 9.2% | |||
| last twelve months (annualized) | 12.0% | * | 13.7% | |||
| Associated with co-financing schemes | ||||||
| - amount | 21,450 | 20,608 | ||||
| - number | 10,001 | 9,597 | ||||
| # | Delinquency ratio (%) | |||||
| - more than 3 months | 0.44 | 0.34 | ||||
| - more than 6 months | 0.12 | 0.10 | ||||
| 5. | Interest margin on new loans approved during month | |||||
| a. | At BLR | 0.6% | 0.3% | |||
| b. | More than 0% and up to 0.25% above BLR | 0.5% | 1.0% | |||
| c. | More than 0.25% and up to 0.5% above BLR | 6.9% | 14.8% | |||
| d. | More than 0.5% and up to 0.75% above BLR | 25.4% | 15.9% | |||
| e. | More than 0.75%and up to 1% above BLR | 27.2% | 25.2% | |||
| f. | More than 1% above BLR | 29.7% | 33.8% | |||
| g. | Others | 9.7% | 9.0% | |||
| * | Adjusted for the effect of reclassification by a number of institutions amounting to $2 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.
