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11月份物業貸款錄得強勁增長。
11月份新借出貸款總額從10月份64億元跳升至103億元，升幅60.5%（10月份下跌0.1%）。11月份新貸款平均金額為148萬元，較10月份錄得的138萬元為高。
此外，11月份新批出貸款總額亦大幅增加48.5%至147億元（10月份為99億元），主要原因是一手市場成交活躍。11月份已批出但未被取用貸款亦顯著增加36.9%，由10月份的75億元增至103億元。
在11月份新批出的按揭貸款中，平均按揭比率為58.8%（10月份為159.2%），貸款平均合約期為218個月（10月份為224個月）。新批出貸款中99.4%與業主自用物業有關。
11月份的未償還按揭貸款增加1.09%，10月份增幅則為0.22%。截至11月底，過去3個月的按年計算未償還貸款增長率由10月份的4.9%，升至6.8%。過去12個月的平均增長率則由10月份錄得的8.8%，微跌至11月份的8.7%。
截至11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0.78%（10月份為0.68%）。
11月份按揭利率進一步下調。新批出貸款中有58%以最優惠利率再加0.5厘或以下的利率批出（10月份為49.6%）。
金管局署理副總裁蔡耀君說：「由於市場形勢漸有改善，我們預期12月份的新按揭貸款將會繼續增加，而現有按揭貸款的平均拖欠比率仍維持低企。」
| Nov-98 | Oct 98 | |||||
| 33 Authorised Institutions | HK$m | HK$m | ||||
| 1. | Gross new loans made during month | |||||
| a. | Amount of new loans | 10,298 | 6,416 | |||
| b. | Monthly change in amount | 60.5% | -0.1% | |||
| c. | Number of new loans | 6,938 | 4,651 | |||
| d. | Average size of new loans | 1.48 | 1.38 | |||
| 2. | New loans approved during month | |||||
| a. | Amount of approvals | 14,709 | 9,906 | |||
| b. | Monthly change in approvals | 48.5% | 24.2% | |||
| # | c. | Number of applications | 10,364 | 10,228 | ||
| d. | Number of approvals | 9,524 | 6,877 | |||
| e. | Average size of approvals | 1.54 | 1.44 | |||
| # | f. | Average loan-to-value ratio (%) | 58.77 | 59.19 | ||
| # | g. | Average contractual life (months) | 218.00 | 224.00 | ||
| # | h. | Owner-occupied properties (%) | 99.38 | 99.43 | ||
| By Property age | ||||||
| Property age - 15 years or below | - amount | 13,078 | 9,040 | |||
| - number | 8,010 | 6,037 | ||||
| Property age - above 15 years | - amount | 1,650 | 866 | |||
| - number | 1,514 | 840 | ||||
| Associated with co-financing schemes | ||||||
| - amount | 2,064 | 2,180 | ||||
| - number | 1,123 | 1,345 | ||||
| 3. | New loans approved during month but not yet drawn | |||||
| a. | Amount of approvals | 10,261 | 7,496 | |||
| b. | Number of approvals | 6,701 | 5,182 | |||
| 4. | Amount of outstanding loans | |||||
| a. | Amount of loans | 455,863 | 451,725 | |||
| b. | Monthly change in loans | 1.09% | * | 0.22% | ||
| c. | Twelve-month change in loans | 8.7% | * | 8.9% | ||
| d. | Average monthly changes over | |||||
| last three months (annualized) | 6.8% | * | 4.9% | |||
| last twelve months (annualized) | 8.7% | * | 8.8% | |||
| Associated with co-financing schemes | ||||||
| - amount | 25,842 | 23,709 | ||||
| - number | 12,751 | 11,474 | ||||
| # | Delinquency ratio (%) | |||||
| - more than 3 months | 0.78 | 0.68 | ||||
| - more than 6 months | 0.28 | 0.22 | ||||
| 5. | Interest margin on new loans approved during month | |||||
| a. | At BLR | 0.3% | 0.3% | |||
| b. | More than 0% and up to 0.25% above BLR | 21.9% | 5.3% | |||
| c. | More than 0.25% and up to 0.5% above BLR | 35.8% | 44.0% | |||
| d. | More than 0.5% and up to 0.75% above BLR | 18.6% | 22.6% | |||
| e. | More than 0.75%and up to 1% above BLR | 8.6% | 11.5% | |||
| f. | More than 1% above BLR | 7.2% | 9.3% | |||
| g. | Others | 7.6% | 7.0% | |||
| * | Adjusted for the effect of reclassification and sale of mortgage loans to HKMC | |||||
| by a number of institutions amounting to $784 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.
