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    Home»Markets»Hong Kong Reviews Lower in Unfavourable Fairness Residential Mortgages by Mid-2025
    Hong Kong Reviews Lower in Unfavourable Fairness Residential Mortgages by Mid-2025
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    Hong Kong Reviews Lower in Unfavourable Fairness Residential Mortgages by Mid-2025

    By Crypto EditorAugust 2, 2025No Comments2 Mins Read
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    Lawrence Jengar
    Aug 02, 2025 04:39

    The Hong Kong Financial Authority reviews a decline in unfavourable fairness residential mortgage loans to 37,806 instances by June 2025, reflecting a modest enchancment within the housing market.

    Hong Kong Reviews Lower in Unfavourable Fairness Residential Mortgages by Mid-2025

    The Hong Kong Financial Authority (HKMA) has launched its newest findings on residential mortgage loans (RMLs) in unfavourable fairness, highlighting a lower in such instances by the top of June 2025. In accordance with the HKMA, the variety of RMLs in unfavourable fairness stood at 37,806 instances, a discount from 40,741 instances recorded on the finish of March 2025.

    Decline in Unfavourable Fairness Instances

    This lower is primarily attributed to financial institution employees housing loans and mortgage insurance coverage program loans, which typically bear a better loan-to-value ratio. The entire worth of RMLs in unfavourable fairness was reported at HK$190.2 billion on the finish of June, marking a decline from HK$205.9 billion in March.

    Discount in Unsecured Loans

    The unsecured portion of those loans additionally noticed a discount, from HK$16.4 billion on the finish of March to HK$14.3 billion by the top of June. Regardless of the discount in mortgage values, the three-month delinquency ratio of RMLs in unfavourable fairness noticed a slight enhance, rising to 0.21% from 0.17%.

    Survey Scope and Limitations

    The survey covers RMLs offered by approved establishments on the premise of first mortgages, that are recognized to be in unfavourable fairness. Notably, it excludes loans related to co-financing schemes that may even be in unfavourable fairness if second mortgages had been thought-about. The extent of unfavourable fairness in such instances stays undetermined, as monetary establishments don’t preserve information of second mortgage balances.

    The mortgage portfolios surveyed symbolize roughly 99% of the trade whole, permitting the HKMA to extrapolate the information to estimate the general place of the banking sector. This complete survey supplies priceless insights into the state of the residential mortgage market in Hong Kong.

    For extra info, go to the Hong Kong Financial Authority.

    Picture supply: Shutterstock




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