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   Are Hong Kong banks adjusting countercyclical macroprudential measures for property loans?

   • The Hong Kong Monetary Authority (HKMA) today (28 February) issued guidelines to banks adjusting the countercyclical macroprudential measures for property mortgage loans and other related supervisory requirements. Property prices continue to adjust recently.

   Countercyclical Macroprudential Measures for Property Mortgage Loans

   www.hkma.gov.hk/eng/news-and-media/press-releases/2024/02/20240228-3/

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   Should HKMA adjust countercyclical macroprudential measures for property loans?

   • After detailed analyses, the HKMA considers that there is room to adjust the countercyclical macroprudential measures for property mortgage loans and to suitably adjust other related supervisory requirements on property loans, while continuing to maintain banking stability and ensuring the proper risk management of property lending by banks:

   Countercyclical Macroprudential Measures for Property Mortgage Loans

   www.hkma.gov.hk/eng/news-and-media/press-releases/2024/02/20240228-3/

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   What are the measures imposed on self-use residential properties?

   • The measures are as follows: First: The maximum loan-to-value (LTV) ratio for self-use residential properties with value below HK$7 million will be lowered by a maximum of 10 percentage points. For example, the maximum LTV ratio applicable to properties with value at HK$6 million or below and subject to the LTV cap of 70% will be lowered to 60%.

   Prudential Measures for Property Mortgage Loans - Gov

   www.info.gov.hk/gia/general/201502/27/P201502270735.htm

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   How long should a property Loan tenor be?

   • Long loan tenor not only increases the risk of AIs, but also weakens the ability of borrowers to withstand interest rate risk. The HKMA therefore considers it prudent for AIs to limit the maximum tenor of all property mortgage loans to 30 years. 3. Requirements (I) to (IV) are summarised in Annex 2.

   Prudential Measures for Property Mortgage Loans - Hong Kong dollar

   www.hkma.gov.hk/media/eng/doc/key-information/guidelines-and-circular/2012/20120914e1.pdf

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2. www.hkma.gov.hk › property-mortgage-lendingHong Kong Monetary Authority - Property Mortgage Lending

   www.hkma.gov.hk › property-mortgage-lending

   • 網頁紀錄

   2024年2月28日 · Prudential Measures for Property Mortgage Loans and Other Related Supervisory Requirements (PDF File, 220.3 KB)

   Title	Issue Date
   Prudential Measures for Property Mortgage ...	28 Feb 2024
   Lending practices (PDF File, 140.7 KB)	20 Dec 2023
   Prudential Measures for Property Mortgage ...	07 Jul 2023
   Property Mortgage Lending (PDF File, 138.	23 Sep 2022

   在「hkma.gov.hk」查看更多資訊

3. www.hkma.gov.hk › media › engPrudential Measures for Property Mortgage Loans - Hong Kong ...

   www.hkma.gov.hk › media › eng

   Prudential Measures for Property Mortgage Loans introduced on 14 Sept 2012 1. The following new measures (I), (II) and (III) are applicable to residential and non-residential property mortgage loan applicants, including those applying for cash-out refinancing

   • 檔案大小: 115KB

   • 頁面計數: 9

4. www.info.gov.hk › gia › generalPrudential measures for property mortgage loans

   www.info.gov.hk › gia › general

   • 網頁紀錄

   2017年5月19日 · The Hong Kong Monetary Authority (HKMA) issued today (May 19) guidelines to banks on a new round of prudential measures for property mortgage loans to strengthen banks' risk management and resilience. The measures are as follows:

5. www.hkma.gov.hk › eng › news-and-mediaCountercyclical Macroprudential Measures for Property ...

   www.hkma.gov.hk › eng › news-and-media

   • 網頁紀錄

   2024年2月28日 · After detailed analyses, the HKMA considers that there is room to adjust the countercyclical macroprudential measures for property mortgage loans and to suitably adjust other related supervisory requirements on property loans, while continuing to maintain banking stability and ensuring the proper risk management of property lending by banks:

6. www.info.gov.hk › gia › generalPrudential Measures for Property Mortgage Loans - Gov

   www.info.gov.hk › gia › general

   • 網頁紀錄

   2015年2月27日 · The measures are as follows: First: The maximum loan-to-value (LTV) ratio for self-use residential properties with value below HK$7 million will be lowered by a maximum of 10 percentage points. For example, the maximum LTV ratio applicable to properties with value at HK$6 million or below and subject to the LTV cap of 70% will be ...

7. www.info.gov.hk › gia › generalCountercyclical macroprudential measures for property ...

   www.info.gov.hk › gia › general

   • 網頁紀錄

   2024年2月28日 · The Hong Kong Monetary Authority (HKMA) today (February 28) issued guidelines to banks adjusting the countercyclical macroprudential measures for property mortgage loans and other related supervisory requirements. Property prices continue to adjust recently.

8. www.news.gov.hk › eng › 2023/07/20230707news.gov.hk - Mortgage loan ratios adjusted - 香港政府新聞網

   www.news.gov.hk › eng › 2023/07/20230707

   • 網頁紀錄

   2023年7月7日 · The Monetary Authority today issued guidelines to banks regarding adjustments to the countercyclical macroprudential measures for mortgage loans.