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10月 份新按揭贷款活动转趋活跃。
10月份新批出贷款总额显著增加24.2%，至99亿元（9月份为80亿元），主 要由于一手市场较为活跃。10月份已批出但未被取用贷款亦大幅增加42.9%，由 9月份的52.4亿元增至75亿元。
在10月份新批出的按揭贷款中，平均按揭比率为59.2%（9月份为60.2%）， 而贷款平均合约期为224个月（9月份为227个月）。新批出贷款中99.4%与 业主自用物业有关。
10月份新借出贷款总额为64.2亿元，与9月份水平接近（9月份跌幅为23.8%）。 10月份新贷款平均金额为138万元，较9月份录得的137万元有所增加。
10月份的未偿还按揭贷款增加0.22%，9月份增幅则为0.37%。截至10月 底，过去3个月的按年计算未偿还贷款增长率由9月份的7.4%，跌至4.9%。过 去12个月的平均增长率则由9月份录得的9.4%，跌至10月份的8.8%。
截至10月底，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）为0.68%（9月份为0.53%）。
10月份按揭利率进一步回软。在新批出贷款中，44%以最优惠利率再加0.5厘的 利率批出（9月份为21.9%）。
金管局副总裁简达恒说：「虽然以平均计算，现有按揭贷款拖欠比率仍然处于低水平， 但比率持续上升显示在市场气氛改善下，银行更需审慎处理新贷款申请。从按揭利率与 最优惠利率的息差收窄，可见银行在按揭贷款业务的竞争再度增加，银行应注意不要为 争取业务而降低信贷标准。银行更应审慎注意借款人的还款能力，并小心查核他们的入 息证明。」
10月份用以购买中国内地物业的贷款总额由9月份的8,600万元，跌至5,400 万元。未偿还贷款总额稍跌1.04%，至77.9亿元。
香港金融管理局
1998年11月27日
Residential Mortgage Loans in Hong Kong
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| Oct 98 | Sep 98 | ||||||
| 33 Authorised Institutions | HK$m | HK$m | |||||
| 1. | Gross new loans made during month | ||||||
| a. | Amount of new loans | 6,416 | 6,425 | ||||
| b. | Monthly change in amount | -0.1% | -23.8% | ||||
| c. | Number of new loans | 4,651 | 4,677 | ||||
| d. | Average size of new loans | 1.38 | 1.37 | ||||
| 2. | New loans approved during month | ||||||
| a. | Amount of approvals | 9,906 | 7,979 | ||||
| b. | Monthly change in approvals | 24.2% | 31.3% | ||||
| # | c. | Number of applications | 10,228 | 8,187 | |||
| d. | Number of approvals | 6,877 | 5,646 | ||||
| e. | Average size of approvals | 1.44 | 1.41 | ||||
| # | f. | Average loan-to-value ratio (%) | 59.19 | 60.20 | |||
| # | g. | Average contractual life (months) | 224.00 | 227.00 | |||
| # | h. | Owner-occupied properties (%) | 99.43 | 99.47 | |||
| By Property age | |||||||
| Property age - 15 years or below | - amount | 9,040 | 6,913 | ||||
| - number | 6,037 | 4,762 | |||||
| Property age - above 15 years | - amount | 866 | 1,065 | ||||
| - number | 840 | 884 | |||||
| Associated with co-financing schemes | |||||||
| - amount | 2,180 | 1,403 | |||||
| - number | 1,345 | 929 | |||||
| 3. | New loans approved during month | ||||||
| but not yet drawn | |||||||
| a. | Amount of approvals | 7,496 | 5,244 | ||||
| b. | Number of approvals | 5,182 | 3,720 | ||||
| 4. | Amount of outstanding loans | ||||||
| a. | Amount of loans | 451,725 | 451,828 | ||||
| b. | Monthly change in loans | 0.22% | * | 0.37% | |||
| c. | Twelve-month change in loans | 8.9% | * | 9.5% | |||
| d. | Average monthly changes over | ||||||
| last three months (annualized) | 4.9% | * | 7.4% | ||||
| last twelve months (annualized) | 8.8% | * | 9.4% | ||||
| Associated with co-financing schemes | |||||||
| - amount | 23,709 | 22,214 | |||||
| - number | 11,474 | 10,537 | |||||
| # | Delinquency ratio (%) | ||||||
| - more than 3 months | 0.68 | 0.53 | |||||
| - more than 6 months | 0.22 | 0.16 | |||||
| 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 | 5.3% | 2.7% | ||||
| c. | More than 0.25% and up to 0.5% above BLR | 44.0% | 21.9% | ||||
| d. | More than 0.5% and up to 0.75% above BLR | 22.6% | 34.4% | ||||
| e. | More than 0.75%and up to 1% above BLR | 11.5% | 17.6% | ||||
| f. | More than 1% above BLR | 9.3% | 15.3% | ||||
| g. | Others | 7.0% | 7.8% | ||||
| * | Adjusted for the effect of reclassification and sale and purchase of mortgage loans by a number of institutions amounting to $1,085 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.
