澳门金管局：澳门银行于2025年12月新批核的住宅按揭贷款为9亿澳门元 环比减少28.2%

Core Insights - The data from the Monetary Authority of Macao indicates a decline in both residential and commercial property mortgage loans approved in December 2025 compared to the previous month [1][2] Group 1: New Loans Approved - In December 2025, new residential mortgage loans approved by Macao banks amounted to 900 million MOP, representing a 28.2% decrease month-on-month [1] - The average monthly new residential mortgage loans from October to December 2025 was 1.11 billion MOP, down 6.6% from the previous period [1] - New commercial property loans decreased by 5.4% to 380 million MOP, with the residential portion dropping by 9.9% to 360 million MOP [1] Group 2: Outstanding Loans - As of the end of December 2025, the total outstanding residential mortgage loans fell by 0.6% to 206.45 billion MOP, a year-on-year decrease of 5.3% [2] - The outstanding commercial property loans totaled 138.09 billion MOP, down 1.7% month-on-month and 7.9% 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 made up 91.4% [2] Group 3: Loan Default Ratios - The residential mortgage loan default ratio decreased by 0.2 percentage points to 3.6% at the end of December 2025, but increased by 0.1 percentage points year-on-year [2] - The default ratio for commercial property loans was 5.4%, also down by 0.2 percentage points month-on-month, with a year-on-year increase of 0.1 percentage points [2]