Lending
Lending protocols form the backbone of the decentralized money market, allowing users to lend or borrow digital assets without intermediaries. Using smart contracts, platforms like Aave and Morpho automate interest rates based on supply and demand while requiring over-collateralization for security. The 2026 lending landscape features advanced permissionless vaults and institutional-grade credit lines. This tag covers the evolution of capital efficiency, liquidations, and the integration of diverse collateral types, including LSTs and tokenized RWAs.
Hong Kong Mortgage Applications Decline by 0.7% in October 2025
The post Hong Kong Mortgage Applications Decline by 0.7% in October 2025 appeared on BitcoinEthereumNews.com. Luisa Crawford Nov 28, 2025 09:31 The Hong Kong Monetary Authority reports a 0.7% decrease in mortgage applications for October 2025, with approved loans reaching HK$31.3 billion. October 2025 Mortgage Survey Overview The Hong Kong Monetary Authority (HKMA) has released the results of its residential mortgage survey for October 2025, revealing a slight decline in the number of mortgage applications. According to the survey, applications fell by 0.7% from the previous month, totaling 8,255 applications. Loan Approvals and Market Dynamics Despite the decrease in applications, the total value of approved mortgage loans in October remained steady at HK$31.3 billion, similar to September’s figures. However, the landscape within the market showed some shifts. Loans financing primary market transactions experienced a 2.1% decrease, amounting to HK$12.4 billion. In contrast, loans for secondary market transactions saw a 3.4% rise, reaching HK$16 billion. Refinancing loans declined significantly by 8.4% to HK$3 billion. Mortgage Drawdowns and Interest Rates The survey also highlighted a 3.5% reduction in mortgage loans drawn down during October, totaling HK$20.1 billion. There was a slight shift in interest rate preferences among borrowers. The proportion of new mortgage loans referencing the Hong Kong Interbank Offered Rate (HIBOR) decreased from 92.6% in September to 91.9% in October. Similarly, loans priced with reference to best lending rates dropped from 1.5% to 1.3%. Outstanding Loans and Delinquency Ratios The outstanding value of mortgage loans saw a modest increase of 0.8%, reaching HK$1,907.4 billion by the end of October. The mortgage delinquency ratio remained low at 0.13%, and the rescheduled loan ratio held steady at nearly 0%. For further details, the full report is available on the Hong Kong Monetary Authority.Image source: Shutterstock Source: https://blockchain.news/news/hong-kong-mortgage-applications-decline-october-2025
2025/11/29
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