Core Insights - The new residential mortgage loans and commercial property loans in Macau decreased month-on-month in July 2025, indicating a potential slowdown in the lending market [1] - The total outstanding residential mortgage loans decreased by 0.6% month-on-month and 5.5% year-on-year, while the outstanding commercial property loans remained stable month-on-month but decreased by 5.3% year-on-year [2] - The delinquency rate for residential mortgage loans increased by 0.1 percentage points month-on-month, while the delinquency rate for commercial property loans remained stable month-on-month but increased year-on-year [3] Group 1: New Loans - New residential mortgage loans approved in July 2025 decreased by 0.3% to 1.05 billion MOP, with the residential portion increasing by 1.6% to 1.04 billion MOP and the non-residential portion dropping by 55.4% to 15 million MOP [1] - New commercial property loans decreased significantly by 84.9% to 280 million MOP, with the residential portion declining by 85.2% to 270 million MOP and the non-residential portion decreasing by 67.9% to 10 million MOP [1] Group 2: Outstanding Loans - As of the end of July 2025, the total outstanding residential mortgage loans decreased by 0.6% month-on-month to 211.21 billion MOP, with a year-on-year decrease of 5.5% [2] - The total outstanding commercial property loans were approximately 145.48 billion MOP, remaining stable month-on-month but showing a year-on-year decrease of 5.3% [2] Group 3: Delinquency Rates - The delinquency rate for residential mortgage loans rose to 3.7% at the end of July 2025, an increase of 0.1 percentage points month-on-month, but a decrease of 0.5 percentage points year-on-year [3] - The delinquency rate for commercial property loans was stable at 5.4% month-on-month, with a year-on-year increase of 1.5 percentage points [3]
澳门金管局：澳门银行7月新批核的住宅按揭贷款环比跌0.3%至10.5亿澳门元
Zhi Tong Cai Jing·2025-09-16 10:40