香港金融管理局 - 九七年十二月住宅按揭统计调查结果公布

新闻稿

1998年01月26日

九七年十二月住宅按揭统计调查结果公布

香港金融管理局（金管局）最新的住宅按揭每月统计调查结果显示， 97年12月份新办按揭贷款业务继续放缓。

12月份新借出贷款无论在宗数上和总金额上均大幅减少。新贷款宗数下跌37%，由11月份的8，343宗下跌至12月份的 5,253宗；新贷款总额则下跌36%,由11月份的153亿元下跌至12月份的98亿元。12月份的新贷款平均金额则微升至 186万元，11月份则为183万元。12月份的未偿还按揭贷款增加0.44%，11月份的增幅则为1.2%。

12月份新批出贷款总额再下跌29.8%，至84亿元，反映12月份市场仍然表现呆滞。12月份已批出但未被取用贷款也显著下跌 38%，由11月份的86亿元，下跌至12月份的53亿元。

截至12月底止，过去3个月的按年计算未偿还贷款增长率由11月份的20.6%，下跌至9.9%。过去12个月的平均增长率也由 11月份录得的31%，下跌至12月份的28.3%。

12月份按揭利率继续上升，在新批出贷款中，超过半数是以最优惠利率加1厘或以上批出。

金管局副总裁简达恒说：「鉴于已批出但未被取用贷款数目继续减少，再加上目前市况淡静，预期贷款活动会继续放缓。」

12月份用以购买国内物业的贷款总额由11月份的2.71亿元，增加至12月份的2.82亿元。未偿还贷款总额增加1.65%，至79亿元。

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.