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， 1998年7月份按揭贷款活动承接最近数月的趋势，继续保持较 平稳的步伐。
7月份新借出贷款总额从6月份的93.8亿元稍跌至93.1亿 元，跌幅0.7%（6月份跌幅为1.5%）。7月份新贷款平均 金额为160万元，亦较6月份录得的 168万元减少。
7月份新批出贷款总额减少9.1%，至105亿元 （6月份为 116亿元）。大部分新批出贷款来自一手市场物业。7月份已批 出但未被取用贷款上升6.3%，由6月份的73.6亿元，增至 78.3亿元。
7月份新批出按揭贷款的平均按揭比率为60%，而贷款平均合约 期为226个月。新批出贷款中99.3%是业主自用物业。
7月份的未偿还按揭贷款增加0.81%，6月份增幅则为0.78%。 截至7月底止，过去3个月的按年计算未偿还贷款增长率由6月份的 8.9%，增至9.2%。过去12个月的平均增长率则由6月份录 得的16.9%，跌至7月份的13.7%。
至1998年7月为止，按揭贷款拖欠比率（过期3个月以上的按揭 贷款占未偿还按揭贷款总额的比率）微升至0.34%（6月份为 0.29%）。
7月份按揭利率略为回顺。在新批出贷款中，只有33.8%以最优 惠利率加1厘以上批出（6月份为38.9%）。按最优惠利率加 50个基点批出的贷款显著增加，由6月份的0.2%增加至7月份 的14.8%，其中大部分与一手市场交投有关。
金管局副总裁简达恒说：「按照现时市场情况，预期按揭贷款增长步 伐将会继续平稳。最新的贷款拖欠比率显示住宅按揭贷款素质继续保 持在高水平。」
7月份用以购买中国内地物业的贷款总额由6月份的1.28亿元， 稍跌至1.16亿元。未偿还贷款总额亦微跌0.31%，至 78.6亿元。
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.
