澳门金管局：澳门银行8月新批核住宅按揭贷款环比跌22.2%至8.2亿澳门元

Core Insights - The Macau Monetary Authority reported a decline in new residential mortgage loans and an increase in new commercial property loans in August 2025 [1] Group 1: New Mortgage Approvals - New residential mortgage loans decreased by 22.2% month-on-month to MOP 820 million, with the residential portion dropping by 22.5% to MOP 810 million and the non-residential portion down by 3.1% to MOP 15 million [1] - New commercial property loans increased by 301.8% month-on-month to MOP 1.14 billion, with the residential portion rising by 125.5% to MOP 620 million and the non-residential portion increasing to MOP 520 million [1] - The average monthly new residential mortgage loans from June to August 2025 was MOP 980 million, a decrease of 4.1% compared to the previous period [1] Group 2: Outstanding Mortgage Loans - As of the end of August 2025, the total outstanding residential mortgage loans decreased by 0.6% month-on-month to MOP 209.86 billion, with a year-on-year decrease of 5.9% [2] - The outstanding commercial property loans totaled MOP 143.54 billion, down 1.3% month-on-month and 6.2% year-on-year [2] - The residential portion of outstanding residential mortgage loans accounted for 96.7%, while the residential portion of outstanding commercial property loans accounted for 91.4% [2] Group 3: Loan Default Ratios - The residential mortgage loan default ratio increased by 0.1 percentage points month-on-month to 3.8%, but decreased by 0.5 percentage points year-on-year [3] - The commercial property loan default ratio was 5.5%, with a month-on-month increase of 0.1 percentage points and a year-on-year increase of 1.6 percentage points [3]