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  1. Business - Comment - MONITOR

    The great attraction of cash extraction

    Posted Nov 15th 2012, 12:00am by Tom Holland

    ... Tom Holland Home prices are still rising, perhaps it is because Hong Kong property owners have been re-mortgaging their homes to buy another flat The great attraction of cash extraction ... ready to use their flats as cash machines. Since the beginning of 2009, more than 100,000 have taken advantage of rock-bottom interest rates to take out a new mortgage on their existing homes. ...

    http://www.scmp.com/business/article/1082554/great-attraction-cash-extraction
  2. Business - Comment - MONITOR

    New step may not help banks but it does hurt homebuyers

    Posted Mar 15th 2013, 12:00am by Tom Holland

    ... the Hong Kong Monetary Authority last month ordered them to increase the amount of capital they hold against new residential mortgages to at least 15 per cent of the loans' value. Considering ... significantly. That cost increase has now been passed on to homebuyers in the form of a 0.25 percentage point mortgage rate increase, pushing the interest rate on a typical new loan up from 2.75 per cent ...

    http://www.scmp.com/business/article/1190953/new-step-may-not-help-banks-it-does-hurt-homebuyers
  3. Business - Comment - MONITOR

    Simple-minded to expect Hong Kong home prices to fall? Not at all

    Posted Jan 07th 2014, 01:43am by Tom Holland

    ... lending compiled by the Hong Kong Monetary Authority, strip out the mortgages taken out to refinance existing home loans, and compare the resulting numbers with the figures on home sales from ... that means local mortgage rates will remain at their current levels between 2 and 3 per cent for at least another year. And when the Fed does finally begin to raise its rates again, the increases ...

    http://www.scmp.com/business/article/1399278/simple-minded-expect-hong-kong-home-prices-fall-not-all
  4. Business - Comment - MONITOR

    Excluding mainlanders won't allay main property grievance

    Posted Oct 29th 2012, 12:00am by Tom Holland

    ... there's plenty of that- but for property to invest in. And here there really is a shortage. With bank deposit rates at least minus 3.5 per cent in real terms and mortgages available at interest ... buyers who can't afford the 30 per cent down payment required for a mortgage have been shut out of the market. The government's latest measures won't dispel their grievances. ...

    http://www.scmp.com/business/article/1072030/excluding-mainlanders-wont-allay-main-property-grievance
  5. Business - Comment - MONITOR

    Forecast of 30 per cent slump in home prices is about right

    Posted Oct 29th 2013, 02:31am by Tom Holland

    ... on projections of how rate increases will affect the cost of servicing a mortgage. At the moment, paying off a home loan on a HK$4.8 million, 718 square foot flat costs the typical Hong Kong household 57 ... Tom Holland Barclays may have jumped the gun earlier, but its researchers point to burden of mortgage servicing when rates rise amid abundant supply Forecast of 30 per cent slump in home ...

    http://www.scmp.com/business/article/1342170/forecast-30-cent-slump-home-prices-about-right
  6. Business - Comment - MONITOR

    Chinese bank valuations imply a bad loan ratio of 13 per cent

    Posted Jan 22nd 2014, 12:44am by Tom Holland

    ... a bad loan ratio of 13 per cent Yesterday the South China Morning Post reported that the price of mainland-listed bank shares had fallen below the book value of their net assets per share. ... on their books is far too high. Or, to put it another way, the proportion of non-performing loans on the balance sheets of China's commercial banks is a lot greater than they are admitting. A very ...

    http://www.scmp.com/business/article/1410657/chinese-bank-valuations-imply-bad-loan-ratio-13-cent
  7. Business - Comment - MONITOR

    Why the HKMA should fret over consumer debt

    Posted May 07th 2013, 12:00am by Tom Holland

    ... rates. That will mean dearer mortgages in Hong Kong, and very likely a major correction in the local property market. Granted, thanks to modest leverage levels among home loan borrowers, ... 100,000. Next time around, the interest rate environment will not be so benign. Today, with home loans available at interest rates of just 3 per cent, the cost of servicing a mortgage typically ...

    http://www.scmp.com/business/article/1231717/why-hkma-should-fret-over-consumer-debt
  8. Business - Comment - MONITOR

    Nothing new in Beijing's latest 'clampdown' on shadow loans

    Posted Jan 08th 2014, 03:33am by Tom Holland

    ... in Beijing's latest 'clampdown' on shadow loans Another year, another clampdown on China's shadow banking system. Last month, the State Council issued a policy directive aimed at tightening the regulation of China's ballooning market in murky off-balance-sheet loans. The document contained few details, but according to news reports the new measures made it more difficult ...

    http://www.scmp.com/business/article/1400132/nothing-new-beijings-latest-clampdown-shadow-loans
  9. Business - Comment - MONITOR

    50pc property slump would see 57,000 in negative equity

    Posted Feb 06th 2013, 12:00am by Tom Holland

    ... levels among mortgage borrowers are relatively low. Over the last couple of years the average loan-to-value ratio among new borrowers has been just 55 per cent, with the maximum loan size fixed ... of their mortgage exceeds the value of their home. Knowing the average loan-to-value ratios for new loans over the last few years, and assuming a normal distribution of loan values about the mean, for any ...

    http://www.scmp.com/business/article/1143934/50pc-property-slump-would-see-57000-negative-equity
  10. Business - Comment - MONITOR

    A good time to sell Hong Kong's family-owned banks as China's bad debt swells

    Posted Oct 25th 2013, 03:13am by Tom Holland

    ... banks stepped up their lending to the city's property market- both mortgages and loans to investment companies- and they ramped up the amounts they lent outside Hong Kong, principally ... of the local loan market; Chong Hing 1 per cent. Still, the interest has propelled both companies' shares sharply higher on the Hong Kong stock exchange, pushing Wing Hang's price up to 1.8 ...

    http://www.scmp.com/business/article/1339109/good-time-sell-hong-kongs-family-owned-banks-chinas-bad-debt-swells

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