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  1. Homebuyers hand over larger deposits

    Posted Jan 12th 2005, 12:00am by Sandy Li

    ... Sandy Li Banks may be considering more aggressive credit options, but homebuyers are showing a greater inclination to pay large deposits on their purchases and to borrow less. Consultants ... of the value of the properties. Sunny Cheung Yiu-tong, DBS Bank managing director and head of consumer banking, said the loan to value ratio at the upper end of the residential market would be even ...

    http://www.scmp.com/article/485103/homebuyers-hand-over-larger-deposits
  2. Deposit scheme leaves lenders further in debt

    Posted Sep 27th 2010, 12:00am by Staff Reporter

    ... attitude to being heavily indebted to banks is thanks to a product called Cun Di Dai in Chinese that allows home borrowers to make offsetting deposits with their bank that almost exempt them from ... they have an adequate funding 'cushion'. The lending spree conducted by banks last year led to a scramble for deposits to meet the regulatory guideline, hence the creation of the Cun Di ...

    http://www.scmp.com/article/725965/deposit-scheme-leaves-lenders-further-debt
  3. Deals collapse as cooling measures bite

    Posted Oct 27th 2010, 12:00am by Sandy Li

    ... Sandy Li A growing number of homebuyers on the mainland are defaulting on purchase agreements and forfeiting deposits because they fear tougher policy settings will trigger a sharp fall ... to by the South China Morning Post disagreed with the estimates. 'We have encountered about 50 cases recently, where buyers have decided to forfeit their deposits and walk away from contracts in view ...

    http://www.scmp.com/article/728650/deals-collapse-cooling-measures-bite
  4. Property - International - PHILIPPINES

    Limits on Philippines property loans may be tightened further

    Posted May 08th 2013, 12:00am by BLOOM

    ... estate exposure to adjusted capital of banks," Philippines Central Bank governor Amando Tetangco said, but added that capital controls were not being considered at the moment. The Philippines has cut borrowing costs, banned foreign funds from special deposit accounts and eased rules for outflows, striving to manage an investment influx lured by economic growth exceeding 6 per ...

    http://www.scmp.com/property/international/article/1232384/limits-philippines-property-loans-may-be-tightened-further
  5. Business - Banking & Finance - BANKING

    'Modest default risk' in property price slump

    Posted Mar 22nd 2013, 12:00am by KANIS LI

    ... to funding sourced from the interbank market and aggressive issuance of wealth management products as substitutes for time deposits. Mid-tier banks faced greater challenges, said Charlene Chu, ... Kanis Li kanis.li@scmp.com 'Modest default risk' in property price slump The city's banks face moderate default risks even if property prices drop significantly, according ...

    http://www.scmp.com/business/banking-finance/article/1196712/modest-default-risk-property-price-slump
  6. Even if the best isn't good enough... if it ain't bust, don't fix it

    Posted Jun 24th 2005, 12:00am by Jake Van Der Kamp

    ... but I can work out a rough one of my own. Take the proportion of total Hong Kong dollar bank deposits held in each of demand deposits, savings deposits and term deposits and then take each ... immediately stands out about this chart. The HSBC best lending rate, the red line, marches in almost lock step with the average cost of deposits. What the banks have done is fix a target premium ...

    http://www.scmp.com/article/505702/even-if-best-isnt-good-enough-if-it-aint-bust-dont-fix-it
  7. Business - Money

    Is money in the bank a good thing in Hong Kong right now?

    Posted Aug 27th 2012, 03:26pm by Melanie Nutbeam

    ... Melanie Nutbeam I’M NOT EARNING ANYTHING ON MY MONEY IN THE BANK.  SHOULD I PAY DOWN PART OF MY HONG KONG HOME MORTGAGE? Paying down your mortgage is essentially a no-risk investment.  You ... need to ask your bank what your options are, and whether there are any penalties for early repayment.  Ask the bank too for a calculation showing the savings you make by paying down your ...

    http://www.scmp.com/business/money/expert-qa/article/1023457/money-bank-good-thing-hong-kong-right-now
  8. Cheap mortgages may be over as banks raise rates

    Posted Apr 16th 2011, 12:00am

    ... Bank- are expected to raise rates next week. 'The main factor driving interest rate rises is funding pressure,' said Derek Chung, senior vice-president of customer segments, deposits and secured loans, consumer banking with DBS Bank (Hong Kong). Although Hong Kong is awash with cash, banks are finding it difficult to attract deposits because investors are looking ...

    http://www.scmp.com/article/965207/cheap-mortgages-may-be-over-banks-raise-rates
  9. Business - Banking & Finance

    BOCHK lowers rate for mortgages

    Posted May 29th 2013, 12:00am by KANIS LI

    ... and experience in it. Another strength of Hong Kong is that we have plenty of yuan deposits, which generates the liquidity," he said. Deputy chief executive Jason Yeung Chi-wai said the bank would ... Kanis Li kanis.li@scmp.com Bank says lending rate to stay at reasonable level after cut aimed at checking drop in loans BOCHK lowers rate for mortgages Bank of China (Hong Kong), ...

    http://www.scmp.com/business/banking-finance/article/1248537/bochk-lowers-rate-mortgages
  10. Lenders under pressure to raise mortgage rates

    Posted Jun 13th 2008, 12:00am by Staff Reporter

    ... before a Fed increase if surplus deposits in the local banking system continued to tumble. Many observers expect the US central bank will raise interest rates later this year. Joseph Yam ... Maria Chan Hong Kong lenders are facing more pressure to increase mortgage rates as the interbank rate, the fee banks charge each other, has surged in the past few days. Yesterday, ...

    http://www.scmp.com/article/641380/lenders-under-pressure-raise-mortgage-rates

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