经络：4月香港新取用按保宗数及金额均创7个月新高

Core Insights - In April, the number and amount of new mortgage insurance loans increased significantly, reaching 1,490 loans and HKD 71.28 billion, marking a 10% increase in volume and a 7.4% increase in value compared to March [1] - The number of new mortgage insurance loans utilized in April was 610, totaling HKD 33.78 billion, which represents an 18.4% increase in volume and a 30% increase in value from March, both reaching a 7-month high [1] - The first four months of 2023 saw a decline in new mortgage insurance loans, with 5,448 loans and HKD 274.87 billion, down 35.5% and 36.7% year-on-year, respectively, marking the lowest figures in nearly nine and six years [1] Group 1 - The number of new mortgage insurance loans in April was 1,490, an increase of 135 loans (10%) from March [1] - The total amount for new mortgage insurance loans in April was HKD 71.28 billion, an increase of HKD 4.89 billion (7.4%) from March [1] - The average new mortgage insurance loan amount in April was HKD 55,400, up HKD 490,000 (9.7%) from the previous month, reaching an 18-month high [1] Group 2 - The proportion of first-hand properties in new mortgage insurance cases was 54%, the highest in 10 months, while second-hand properties accounted for 46% [1] - The first four months of 2023 saw 2,169 new mortgage insurance loans utilized, down 17.3% year-on-year, totaling HKD 112.92 billion, a decrease of 18.4% [1] - The increase in April's mortgage insurance numbers is attributed to new developments, such as Park Seasons, with buyers opting for higher mortgage ratios [2]