Macau Monetary Authority: As of December 2025, newly approved residential mortgage loans for Macau Bank amount to 900 million Macau Patacas, a decrease of 28.2% from the previous period.

The Monetary Authority of Macao SAR released the statistics on property mortgage loans for December 2025. The data shows that both residential mortgage loans and commercial property loans approved in December 2025 decreased compared to the previous month. In terms of outstanding loan balances, both residential mortgage loans and commercial property loans recorded a decrease compared to the previous month. The Macao SAR Bank approved a total of 900 million Macao Patacas in new residential mortgage loans in December 2025, a decrease of 28.2% compared to the previous month. New loan approvals: The Macao SAR Bank approved a total of 900 million Macao Patacas in new residential mortgage loans in December 2025, a decrease of 28.2% compared to the previous month, all of which were for residents. The average monthly new residential mortgage loans approved from October to December 2025 was 1.1 billion Macao Patacas, a decrease of 6.6% compared to the previous period (September to November 2025). The new commercial property loans approved decreased by 5.4% to 380 million Macao Patacas. Among them, the residential portion, which accounted for 92.8% of the new commercial property loans approved, decreased by 9.9% to 360 million Macao Patacas, while the non-residential portion increased by 167.0% to 30 million Macao Patacas from a lower base in the previous month. The average monthly new commercial property loans approved from October to December 2025 was 550 million Macao Patacas, an increase of 12.2% compared to the previous period (September to November 2025). Outstanding mortgage loan balances: As of the end of December 2025, the outstanding balance of residential mortgage loans decreased by 0.6% to 2064.5 billion Macao Patacas compared to the previous month, a decrease of 5.3% compared to the same period last year; with 96.7% of them being residential loans. The outstanding balance of residential and non-residential parts of the mortgage loans decreased by 0.6% and 0.3% respectively. The total outstanding balance of commercial property loans was 1380.9 billion Macao Patacas, a decrease of 1.7% compared to the previous month, a decrease of 7.9% compared to the same period last year; with 91.4% of them being residential loans. The outstanding balance of residential and non-residential parts of commercial property loans decreased by 1.8% and 0.3% respectively. Loan delinquency rates: The delinquency rate of residential mortgage loans at the end of December 2025 decreased by 0.2 percentage points to 3.6% compared to the previous month, while it increased by 0.1 percentage points compared to the same period last year. The delinquency rate of commercial property loans was 5.4%, a decrease of 0.2 percentage points compared to the previous month, and an increase of 0.1 percentage points compared to the same period last year. Residential mortgage loans are credit arrangements granted to individuals and companies with residential properties in Macao SAR serving as collateral, including loans for purchasing residential properties and other purposes such as refinancing, working capital, and trade financing. Commercial property loans are credit arrangements granted to individuals and companies with commercial properties in Macao SAR serving as collateral, including loans to construction companies and for property development and investment.