You are browsing the Hong Kong website, Regulated by Hong Kong SFC (CE number: BJA907). Investment is risky and you must be cautious when entering the market.
《港樓》中小型發展商財務壓力浮現 銀行業:儘量幫助地產商面對困境
中小型發展商面對的財務壓力陸續顯現,其中英皇國際(00163.HK)在最新一份全年業績中披露,共有166億元貸款違約。有不願透露姓名的企業融資界人士表示,中小型發展商把手上物業大比例地抵押以爭取銀行融資,遇上物業價值下跌,銀行或不認同發展商的估值,要求增加抵押品,便會成爲這些發展商的催命符。 已出現債務違約的英皇國際,截至今年3月底,抵押資產佔總資產比例83%,而租金收入亦按年下跌逾一成,同時響起警號。 有銀行業人士指出,銀行仍會盡量幫助地產商面對困境,若抽走貸款令客戶走向破產,即使取得抵押品,現時市況放售仍難免有不少資金未能收回。另外,金管局對地產等個別行業的貸款上限和集中度有監管,加上近年銀行財富管理等收入表現不錯,部分本地銀行去年不良貸款率雖明顯上升,但有不錯的盈利,料有助銀行承擔相關貸款風險。 另外,業界人士認爲,本港地產經歷週期修正,而非結構問題,雖然商業地產市場回穩仍需時間,但住宅樓價已趨穩定。銀行決定放貸時,會視乎一連串因素,例如公司項目是否有潛力、遇上困難如何表現,以及擁有人的財務實力等。
Follow us
Find us on Facebook, Twitter , Instagram, and YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!
Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.
uSMART
Wealth Growth Made Easy
Open Account