Da'awar inshorar jinginar gida a watan Janairu ta kai matsayi mafi ƙanƙanta fiye da shekaru 7, wanda ke nuna cewa alkaluman inshorar jinginar gida za su ci gaba da kasancewa ƙasa.

A cewar sabbin bayanai daga Sashen Binciken Lamuni na Gidaje da Kamfanin Mortgage Corporation Limited, adadin sabbin lamunin tsarin inshorar jinginar gida da aka amince da su a watan Janairun 2026 ya kai 1,100 kuma adadin ya kai HK$5.94 biliyan, bi da bi. Idan aka kwatanta da lamuni 1,040 da HK$5.553 biliyan a watan Disamba na 2025, adadin lamunin da adadin ya karu da 60 (5.8%) da HK$387 miliyan (7%), bi da bi. Dukansu sun sake farfadowa bayan watanni biyar a jere na raguwa (Hoto na 1). A watan Janairun 2026, adadin sabbin lamunin tsarin inshorar jinginar gida da adadin sabbin lamuni sun kai 460 da HK$2.356 biliyan, bi da bi. Idan aka kwatanta da 504 da HK$2.536 biliyan a watan Disamba na 2025, adadin lamunin da adadin sabbin lamuni ya ragu da 44 (8.7%) da HK$180 miliyan (7.1%), bi da bi. Dukansu sun ragu tsawon watanni hudu a jere. Adadin lamunin ya kai wani sabon matsayi a cikin fiye da shekaru 7 (watanni 86) kuma adadin ya kai wani matsayi a cikin fiye da shekara 1 (watanni 14) (Hoto na 2). Matsakaicin adadin lamunin lamunin lamunin lamuni na lamuni na lamuni shine HK$5.12 miliyan, karuwar HK$90,000 (1.8%) kowane wata, wanda ya kai wani matsayi a cikin watanni 9 (Hoto na 3). Bugu da ƙari, daga cikin sabbin shari'o'in inshorar lamuni, sabbin kadarori sun kai kashi 26% kuma kadarorin da aka yi amfani da su na zamani sun kai kashi 74%, wanda ya kai wani matsayi a cikin shekaru 2 (Hoto na 4).

Idan aka kwatanta da watan farko, adadin da adadin lamunin inshorar jinginar gida da aka amince da su a watan farko na wannan shekarar ya ragu da 181 (14.1%) da miliyan 726 (10.9%) idan aka kwatanta da biliyan 1,281 da HK$6.666 a daidai wannan lokacin a bara, bi da bi, wanda ya nuna mafi ƙarancin adadin lamuni da mafi ƙarancin adadin na watan farko a cikin kusan shekaru 10 da 7 (Hoto na 5). A halin yanzu, adadin da adadin lamunin inshorar jinginar gida da aka cire a watan farko ya ragu da 57 (11%) da miliyan 232 (9%) idan aka kwatanta da biliyan 517 da HK$2.588 a daidai wannan lokacin a bara, bi da bi, wanda ya nuna mafi ƙarancin adadin lamuni da mafi ƙarancin adadin na watan farko a cikin kusan shekaru 10 da 7 (Hoto na 6).

Cao Deming, Babban Mataimakin Shugaban Jinglu Mortgage Referral, ya bayyana cewa a halin yanzu, bankuna sun tsara matsakaicin rabon lamuni-da-ƙima (LTV) ga duk gidaje a kashi 70%. Wannan yana nufin masu siyan gida za su iya samun matsakaicin LTV ba tare da neman inshorar jinginar gida ba, wanda hakan ya haifar da ci gaba da raguwar buƙatar inshorar jinginar gida. A gefe guda kuma, yanayin saka hannun jari gaba ɗaya ya yi zafi a bara, tare da ƙaruwa mai yawa a cikin manyan ma'amaloli. Waɗannan masu siyan saka hannun jari ba za su yi amfani da inshorar jinginar gida ba. Ganin raguwar buƙatar inshorar jinginar gida, ana sa ran cewa alkaluman inshorar jinginar gida za su ci gaba da kasancewa ƙasa a wannan shekarar. (Reporter Lin Defen)