(Hong Kong Comprehensive News) The Hong Kong government has relaxed its own home mortgage loan regulations for the first time since 2009 and strives to boost the weakened real estate market.
Comprehensive Ming Pao and Xinhua News Agency reported that Yu Weiwen, president of the Hong Kong HKMA, announced on Friday (July 7) that it has adjusted macro -prudential measures in the property market to relax the upper limit of mortgage mortgage in residential properties, which takes effect.
According to the announcement, the upper limit of the number of mortgages is 70 %; the upper limit of the mortgage of HK $ 30 million is 60 % of the upper limit of the mortgage; 3000The upper limit of the mortgage of the self -use residential property with more than HK $ 10 is maintained at 50 %.The maximum mortgage of non -self -use residential properties remains unchanged in 50 %.
In addition, the maximum number of mortgages of non -residential properties is raised from 50 % to 60 %.The upper limit of the mortgage of property mortgage loans based on "asset levels" as the basis of approval was increased from 40 % to 50 %.
Yu Weiwen said that due to the impact of the crown disease, Hong Kong residential house prices began to be adjusted in 2022.Although it has rebounded early this year, as of the end of June, the overall housing prices in Hong Kong have fallen 13%compared with the peak of 2021.
He said that after the revision measures were launched, the Hong Kong banking system still had abundant buffer, which could cope with the challenges brought about by the significant adjustment of house prices.
Chen Maobo, the director of the Hong Kong Financial Secretary, emphasized that the property market demand measures that suppressed speculation and investment activities have not changed. This adjustment does not have any form of "reducing spicy prelude or variation"."Reduced spicy" considerations.
