This is , i think , attributable partly to the fortitude with which homeowners in negative equity have borne the problem , and partly to the willingness of most banks to restructure loans in cases of difficulty 不过，我要指出目前按揭贷款的拖欠还款比率仍然位于低位，我相信这是因为负资产业主都能坚忍地承担这个问题，以及大部分银行都愿意为面对困难的借款人重组贷款。
" the fact that the rescheduling ratio has gone up and the delinquency ratio down indicates that banks have been stepping up their efforts to assist borrowers in financial difficulties by being accommodating on restructuring , " said mr david carse , deputy chief executive of the hkma 金管局副总裁简达恒说：经重组贷款比率上升而拖欠比率下降，显示银行愿意透过为借款人重组贷款，协助借款人应付财政困难。
" although the mortgage delinquency and rescheduled loan ratios improved slightly , banks should remain watchful of the quality of their mortgage portfolios in view of the weak economic environment , " said mr david carse , deputy chief executive of the hkma 金管局副总裁简达恒表示：在目前疲弱的经济环境下，尽管按揭贷款拖欠比率及经重组贷款比率轻微改善，银行仍须继续提高警觉，注意本身按揭贷款业务的质素。
" it is encouraging that the delinquency ratio on residential mortgage lending has not risen , in contrast to the recent sharp rise in the delinquency ratio on credit card lending , " said mr david carse , deputy chief executive of the hkma 金管局副总裁简达恒说：信用卡贷款拖欠比率近期大幅上升，但住宅按揭贷款拖欠比率未有上升，实在令人鼓舞。另一方面，经重组贷款比率持续上升，显示银行正配合客户重组按揭贷款。
Some banks are quite proactive in working with the borrowers in difficulty to restructure their mortgages , so that they can cope with their short - term financial difficulties , which , the banks are confident , are likely to go away as the economy recovers and the property market bottoms out 有些银行较主动与有困难的借款人商讨重组贷款，希望他们能渡过难关，原因是这些银行相信随经济复苏及楼市走出谷底，借款人面对的短暂困境亦会成为过去。
" the mortgage delinquency ratio continued to improve . this can largely be explained by repayments of overdue loans and more rescheduling requests accommodated by the banks as reflected by the rise in the rescheduled loan ratio , " said mr david carse , deputy chief executive of the hkma 金管局副总裁简达恒说：按揭拖欠比率持续改善，主要原因是拖欠贷款获得偿还，以及银行接受更多重组贷款的要求，其中后者可从经重组贷款比率上升的情况中反映。
This is because the number of repossessed properties nearly 4 , 000 in the past 12 months being disposed of has probably become a big enough factor on the supply side to have exerted a significant depressing effect on property prices , in particular those in the secondary market ，可能已成为楼市供应其中一个主要源头，对楼价造成显著的遏抑作用，其中以对二手楼市的影响更为明显。因此，那些打算收回抵押物业的银行不如考虑重组贷款，可能更符合本身的利益。
The decline in number of rmls in negative equity in the first quarter is due to a number of factors : the stabilisation of property prices , continued instalment repayments by homeowners , pay - downs by customers who sought refinancing or restructuring of their loans and some disposals of repossessed properties 年第季的负资产住宅按揭贷款宗数有所减少，是受多项因素影响，包括物业价格转趋稳定业主继续供款客户寻求转按或重组贷款而偿还部分本金，以及银行出售部分收回的物业。
This is due to a combination of factors , including : continued repayments of the loans by homeowners under the prevailing low interest rate environment , which has made debt servicing easier ; pay - downs by customers who sought refinancing with other banks ; and partial repayments by homeowners to obtain restructuring at lower interest rates 这种情况是由不同因素引致，其中包括持续的低利率令供款变得比较轻松，业主因此能够继续还款客户向其他银行寻求转按而偿还部分本金，以及业主为求以较低利率重组贷款而偿还部分款项。
