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【湯文亮話】銀行call loan背後另有目的 @ 2023-11-15T16: Back Hot News
Keyword:銀行 按揭 住宅 許正宇 負資產
Concept:負資產住宅按揭
他表示,據香港金管局了解,即使抵押物業價格下跌,從銀行取得住宅按揭貸款的借款人如能繼續如期還款,銀行一般不會要求他們提早還款。因應銀行住宅按揭貸款拖欠比率近年一直處於低位,並沒有出現銀行大規模向住宅按揭借款人追收欠款的情況。此外,商用物業按揭貸款的情況與住宅物業按揭貸款的情況相同,從銀行取得商用物業按揭貸款的企業,如能繼續如期還款,銀行一般不會要求企業提早還款。
許正宇表示,雖銀行業的負資產按揭貸款宗數於今年第3季因樓價回落而有所上升,但銀行住宅物業按揭貸款的資產質素依然保持良好。其中,整體住宅按揭貸款拖欠比率由2021年12月底的0.04%,僅微升至今年9月底的0.07%;負資產住宅按揭貸款拖欠比率更低,於今年9月底為0.02%,上述數字均遠低於以往高位,反映絕大部分按揭借款人都能繼續還款。

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