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許正宇:無出現銀行大規模「call loan」情況|本地|商業電台 881903 @ 2023-11-16T12: Back Hot News
Keyword:銀行 許正宇 按揭
Concept:現銀行大規模 , 負資產住宅按揭
【明報專訊】財經事務及庫務局長許正宇昨書面回覆立法會議員提問指出,盡管本港樓價向下,銀行住宅按揭貸款拖欠比率近年一直處於低位,沒有出現銀行大規模向樓按借款人追收欠款的「CALL LOAN潮」。據金管局了解,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。
許正宇又指,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。至於以商用物業作抵押而取得信用額度的企業,銀行定期檢視其信貸額度時,會綜合考慮其信用狀況和還款能力,不會單因為抵押品估值轉變而調整額度。如調整額度,銀行亦會提早通知客戶並作好溝通,讓客戶有充分時間准備。
【本港樓市】許正宇:沒出現銀行大規模CALL LOAN 絕大部分住宅按揭借款人能續還款
許正宇稱銀行住宅物業按揭貸款資產質素依然保持良好;許正宇稱港交所就FINI操作流程與
負資產宗數第3季上升 許正宇:銀行無大規模CALL LOAN 已促包容態度處理還款問題

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