Residential mortgage survey results

API Detailed Documentation

API URL:

https://api.hkma.gov.hk/public/market-data-and-statistics/monthly-statistical-bulletin/banking/residential-mortgage-survey

Request Parameters (Mandatory)

Parameter Name Description
segment Used to indicate which sets of data are going to retrieve.
Format: segment=data segment name (new/old)
Example: segment=new
Output Fields (JSON) Swagger Format
Name Type Unit Of Measure Description
end_of_month Date   Year and Month in ISO format yyyy-mm, For example, 2019-09
outstanding_loans_amt Number HK$ Mn  As at end of period
Outstanding loans
Value
outstanding_loans_amt_mom Number % As at end of period
Outstanding loans
Value (M-o-M % change)
outstanding_loans_amt_yoy Number % As at end of period
Outstanding loans
Value (Y-o-Y % change)
outstanding_loans_cofin_gf_amt Number HK$ Mn  As at end of period
Outstanding loans
Loans associated with co-financing schemes6
Government-funded schemes:
Value
outstanding_loans_cofin_gf Number No. As at end of period
Outstanding loans
Loans associated with co-financing schemes6
Government-funded schemes:
Number
outstanding_loans_cofin_ps_amt Number HK$ Mn  As at end of period
Outstanding loans
Loans associated with co-financing schemes6
Schemes offered by the private sector:
Value
outstanding_loans_cofin_ps Number No. As at end of period
Outstanding loans
Loans associated with co-financing schemes6
Schemes offered by the private sector:
Number
delinquency_ratio Number % As at end of period
Outstanding loans
Delinquency ratio4
More than 3 months
delinquency_ratio_6mth Number % As at end of period
Outstanding loans
Delinquency ratio4
More than 6 months
resch_loan_ratio Number % As at end of period
Outstanding loans
Rescheduled loan ratio5
new_loans_app_received Number No. During the period
New applications received
Number
new_loans_app_received_mom Number % During the period
New applications received
Number (M-o-M% change)
new_loans_drawn_amt Number HK$ Mn  During the period
New loans drawn down
Value
new_loans_drawn_amt_mom Number % During the period
New loans drawn down
Value (M-o-M% change)
new_loans_drawn Number No. During the period
New loans drawn down
Number
new_loans_drawn_mom Number % During the period
New loans drawn down
Number (M-o-M% change)
new_loans_approved_amt Number HK$ Mn  During the period
New loans approved3
Value
new_loans_approved_amt_mom Number % During the period
New loans approved3
Value (M-o-M% change)
new_loans_approved Number No. During the period
New loans approved3
Number
new_loans_approved_mom Number % During the period
New loans approved3
Number (M-o-M% change)
new_loans_approved_avg_size Number HK$ Mn  During the period
New loans approved3
Average size
new_loans_approved_lv_ratio Number % During the period
New loans approved3
Loan-to-value ratio7
new_loans_approved_contra_life Number Month During the period
New loans approved3
Contractual life7
new_loans_approved_cofin_amt Number HK$ Mn  During the period
New loans approved3
Loans associated with co-financing schemes
Value
new_loans_approved_cofin Number No. During the period
New loans approved3
Loans associated with co-financing schemes
Number
new_loans_approved_pt_amt_pri Number HK$ Mn  During the period
New loans approved3
Type of property transaction
Value
Primary market
new_loans_approved_pt_amt_sec Number HK$ Mn  During the period
New loans approved3
Type of property transaction
Value
Secondary market
new_loans_approved_pt_amt_refin Number HK$ Mn  During the period
New loans approved3
Type of property transaction
Value
Refinancing
new_loans_approved_pt_primkt Number No. During the period
New loans approved3
Type of property transaction
Number
Primary market
new_loans_approved_pt_secmkt Number No. During the period
New loans approved3
Type of property transaction
Number
Secondary market
new_loans_approved_pt_refin Number No. During the period
New loans approved3
Type of property transaction
Number
Refinancing
new_loans_approved_undrawn_amt Number HK$ Mn  During the period
New loans approved3
New loans approved but not yet drawn
Value
new_loans_approved_undrawn Number No. During the period
New loans approved3
New loans approved but not yet drawn
Number
ir_new_loans_approved_hibor Number % During the period
Interest rates on new loans approved
With reference to Hong Kong Interbank Offered Rate (HIBOR)
ir_new_loans_approved_blr Number % During the period
Interest rates on new loans approved
With reference to Best Lending Rate (BLR)
ir_new_loans_approved_fixed Number % During the period
Interest rates on new loans approved
Fixed rate
ir_new_loans_approved_other Number % During the period
Interest rates on new loans approved
Others
loan_wo_amt Number HK$ Mn During the period
Loans written off8
Value of loans written off
loan_wo_12mth_amt Number HK$ Mn Over the past 12 months
Loans written off8
Loans written off over the past 12 months
Value
loan_wo_12mth_pa_outstand_loans String % Over the past 12 months
Loans written off8
Over the past 12 months
As % of the average outstanding loans9

Footnotes:

1. Residential mortgage loans (RMLs) of the authorized institutions covered in this survey represent about 99% of the banking sector.
2. RMLs in this survey are loans (including refinancing loans) to private individuals for the purchase of residential properties, including uncompleted units, but other than those properties under the Home Ownership Scheme, the Private Sector Participation Scheme and the Tenants Purchase Scheme.
3. New loans approved are mortgage loans approved during the surveyed month. The loans can either be drawn down in the same month or in the followingmonths. Loans that are approved but not yet drawn, which have implications for the amount of gross new loans made in the following months, are shown under the item “New loans approved during the month but not yet drawn”.
4. Delinquency ratio is measured by a ratio of total amount of overdue loans to total outstanding loans.
5. Rescheduled loan ratio is measured by a ratio of total amount of rescheduled loans to total outstanding loans.
6. Co-financing schemes refer to those schemes that involve the provision of topup finance by property developer(s) or other co-financier(s) in addition to mortgage loans advanced by authorized institutions. For loans associated with co-financing schemes, only the portion of loans advanced by reporting institutions is included in this survey.
7. Average loan-to-value ratio and average contractual life for new loans approved during the surveyed month are average figures weighted by the amount of new loans approved during the surveyed month by individual reporting institutions.
8. Loans written off over the past 12 months as a percentage of the average outstanding loans is calculated as: total value of loans written off during the past 12-month period as a percentage of the average outstanding loan value over the 12-month period [i.e. (opening + closing) ÷ 2].
9. If the % is less than 0.05%, value display as '*'.

Footnotes (Old):

10. Residential mortgage loans in this survey are loans (including refinancing loans) to private individuals for the purchase of residential properties, including uncompleted units, but other than those properties under the Home Ownership Scheme, Private Sector Participation Scheme and Tenants Purchase Scheme. Mortgage loans to corporate clients are excluded from the survey. The authorized institutions participating in this survey accounted for over 95% of the total residential mortgage lending business.
11. There is a break in data series at December 2000 due to an increase in the number of surveyed institutions.

API Examples

Javascript Example

$.ajax({
url: 'https://api.hkma.gov.hk/public/market-data-and-statistics/monthly-statistical-bulletin/banking/residential-mortgage-survey?offset=0',
dataType:'json',
success:function(data){
alert('results found:'+ data.result.datasize)
}
});

Python Example

import urllib.request
url = 'https://api.hkma.gov.hk/public/market-data-and-statistics/monthly-statistical-bulletin/banking/residential-mortgage-survey?offset=0'
with urllib.request.urlopen (url) as req:
print (req.read())

How to use the APIs

To learn more, please visit API documentation.