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 9月份按揭貸款活動持續放緩。
9月份新借出貸款總額從8月份84.3億元減少至64.3億元，跌幅23.8% （8月份跌幅為9.5%）。9月份新貸款平均金額為137萬元，較8月份錄 得的162萬元減少。
然而，9月份新批出貸款總額顯著增加31.3%，至80億元（8月份為61億元）， 主要源自9月份一手市場的交易。9月份已批出但未被取用貸款亦增加40.6%， 由8月份的37.3億元，增加至52.4億元。
在9月份新批出的按揭貸款中，平均按揭比率為60.2%（8月份為58%）， 而貸款平均合約期為227個月（8月份為217個月）。新批出貸款中99.5% 與業主自用物業有關。
9月份的未償還按揭貸款增加0.37%，8月份增幅則為0.64%。截至9月 底，過去3個月的按年計算未償還貸款增長率由8月份的9.1%，跌至7.4%。 過去12個月的平均增長率則由8月份錄得的12.0%，跌至9月份的9.4%。
截至9月底，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）為0.53%（8月份為0.44%）。
9月份按揭利率進一步回軟。在新批出貸款中，只有15.3%以最優惠利率再加 1厘以上的利率批出（8月份為29.7%）。
金管局署理副總裁蔡耀君說：「雖然近期市場氣氛漸有改善，預期按揭貸款增長仍 然會持續放緩。」
9月份用以購買中國內地物業的貸款總額由8月份的1億元，跌至8,600萬元。 未償還貸款總額微跌0.60%，至78.8億元。
香港金融管理局
1998年10月23日
Residential Mortgage Loans in Hong
Kong
|
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| Sep 98 | Aug 98 | ||||||
| HK$m | HK$m | ||||||
| 33 Authorised Institutions | |||||||
| 1. | Gross new loans made during month | ||||||
| a. | Amount of new loans | 6,425 | 8,427 | ||||
| b. | Monthly change in amount | -23.8% | -9.5% | ||||
| c. | Number of new loans | 4,677 | 5,205 | ||||
| d. | Average size of new loans | 1.37 | 1.62 | ||||
| 2. | New loans approved during month | ||||||
| a. | Amount of approvals | 7,979 | 6,079 | ||||
| b. | Monthly change in approvals | 31.3% | -42.1% | ||||
| # | c. | Number of applications | 8,187 | 4,710 | |||
| d. | Number of approvals | 5,646 | 4,055 | ||||
| e. | Average size of approvals | 1.41 | 1.50 | ||||
| # | f. | Average loan-to-value ratio (%) | 60.20 | 58.06 | |||
| # | g. | Average contractual life (months) | 227.00 | 217.00 | |||
| # | h. | Owner-occupied properties (%) | 99.47 | 99.23 | |||
| By Property age | |||||||
| Property age - 15 years or below | - amount | 6,913 | 5,193 | ||||
| - number | 4,762 | 3,268 | |||||
| Property age - above 15 years | - amount | 1,065 | 886 | ||||
| - number | 884 | 787 | |||||
| Associated with co-financing schemes | |||||||
| - amount | 1,403 | 375 | |||||
| - number | 929 | 208 | |||||
| 3. | New loans approved during month | ||||||
| but not yet drawn | |||||||
| a. | Amount of approvals | 5,244 | 3,731 | ||||
| b. | Number of approvals | 3,720 | 2,516 | ||||
| 4. | Amount of outstanding loans | ||||||
| a. | Amount of loans | 451,828 | 450,124 | ||||
| b. | Monthly change in loans | 0.37% | * | 0.64% | |||
| c. | Twelve-month change in loans | 9.5% | * | 12.1% | |||
| d. | Average monthly changes over | ||||||
| last three months (annualized) | 7.4% | * | 9.1% | ||||
| last twelve months (annualized) | 9.4% | * | 12.0% | ||||
| Associated with co-financing schemes | |||||||
| - amount | 22,214 | 21,450 | |||||
| - number | 10,537 | 10,001 | |||||
| # | Delinquency ratio (%) | ||||||
| - more than 3 months | 0.53 | 0.44 | |||||
| - more than 6 months | 0.16 | 0.12 | |||||
| 5. | Interest margin on new loans approved during month | ||||||
| a. | At BLR | 0.3% | 0.6% | ||||
| b. | More than 0% and up to 0.25% above BLR | 2.7% | 0.5% | ||||
| c. | More than 0.25% and up to 0.5% above BLR | 21.9% | 6.9% | ||||
| d. | More than 0.5% and up to 0.75% above BLR | 34.4% | 25.4% | ||||
| e. | More than 0.75%and up to 1% above BLR | 17.6% | 27.2% | ||||
| f. | More than 1% above BLR | 15.3% | 29.7% | ||||
| g. | Others | 7.8% | 9.7% | ||||
| * | Adjusted for the effect of sale and purchase of mortgage loans | ||||||
| by a number of institutions amounting to -$17 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.
