未偿还商用物业贷款总额为1,454.8亿元，按月比较大致持平，按年减少5.3%;其中，居民部分占91.3%。 居民部分的未偿还商用物业贷款按月下跌0.5%，非居民部分则上升5.7%。 贷款拖欠比率 2025年7月底的住宅按揭贷款拖欠比率按月上升0.1个百分点至3.7%，按年则下跌0.5个百分点。商用物 业贷款拖欠比率为5.4%，按月比较持平，按年则上升1.5个百分点。 9月15日，澳门金融管理局发布的统计显示，2025年7月新批核的住宅按揭贷款及商用物业贷款均按月下 跌。在未偿还贷款总额方面，住宅按揭贷款按月下跌，商用物业贷款则保持平稳。澳门银行于2025年7 月新批核的住宅按揭贷款按月下跌0.3%至10.5亿元(澳门元，下同)。其中，占新批核住宅按揭贷款 98.6%的居民部分上升1.6%至10.4亿元，非居民部分则下跌55.4%至1千5百万元。2025年5月至7月的新批 核住宅按揭贷款每月平均数为10.2亿元，较上期(2025年4月至6月)增加5.9%。 新批核的商用物业贷款从上月较高基数减少84.9%至2.8亿元。其中，占新批核商用物业贷款96.4%的居 民部分下跌85.2%至2.7亿元，非居民部分减少6 ...

Core Insights - The new residential mortgage loans and commercial property loans in Macau increased month-on-month in March 2025, while the total outstanding loans decreased [1][2] Group 1: New Loans - New residential mortgage loans approved in March 2025 rose by 7.2% month-on-month to MOP 780 million, with the residential portion increasing by 7.7% to MOP 770 million, while the non-residential portion fell by 19.5% to MOP 10 million [1] - New commercial property loans increased by 27.4% month-on-month to MOP 1.94 billion, with the residential portion rising by 48.1% to MOP 1.86 billion, while the non-residential portion dropped by 69.9% to MOP 80 million [1] Group 2: Outstanding Loans - As of the end of March 2025, the total outstanding residential mortgage loans amounted to MOP 215.71 billion, down 0.5% month-on-month and 5.1% year-on-year, with the residential portion accounting for 96.6% [2] - The total outstanding commercial property loans decreased by 1.0% month-on-month to MOP 148.45 billion, down 5.9% year-on-year, with the residential portion making up 91.9% [2] Group 3: Loan Default Ratios - The residential mortgage loan default ratio remained stable at 3.6% as of the end of March 2025, up 0.2 percentage points year-on-year [3] - The commercial property loan default ratio increased to 5.4%, rising by 0.1 percentage points month-on-month and 2.1 percentage points year-on-year [3]