Page 221 - 香港房屋協會 Hong Kong Housing Society Annual Report 2020/2021

香港房屋協會 2020/21 年度年報
219
AUDITED FINANCIAL STATEMENTS 已審核財務報表 NOTES TO THE FINANCIAL STATEMENTS 財務報表附註
15. Loans receivable
Loans receivable represents mainly the second mortgage loans granted to the flat buyers and unsecured loans granted to home owners under the Building Management and Maintenance Scheme. All the secured loans are secured by residential properties.
15. 應收貸款
應收貸款主要是指為樓宇買家所提供的 第二按揭貸款，或在樓宇管理維修綜合 計劃中，為業主提供的免息無抵押貸 款。所有有抵押的貸款是以住宅物業作 押。
(in HK$Million) (港幣百萬元)
2021
2020
Secured mortgage loans
有抵押品按揭貸款
36.6
54.1
Unsecured loans
無抵押品貸款
6.1
11.3
42.7
65.4
Less: impairment loss
減:減值
(1.5)
(1.3)
41.2
64.1
Representing:
上列數目代表:
Due within one year
一年內到期
5.4
8.1
Due after 1 year, but within 2 years
一年至二年內到期
3.3
5.9
Due after 2 years, but within 5 years
二年至五年內到期
5.5
8.9
Due after 5 years
五年以後到期
27.0
41.2
Total due after 1 year
一年以後到期總額
35.8
56.0
41.2
64.1
Interest rates applicable to the above loans receivable are set out below:
有關應收貸款的利率現列如下:
Secured mortgage loans
Unsecured loans
有抵押品按揭貸款
無抵押品貸款
2021
2020
2021
2020
Contractual interest rate
合約利率
Prime rate
Prime rate
0% to Prime rate
0% to Prime rate
最優惠利率
最優惠利率
百分之零至 最優惠利率
百分之零至 最優惠利率
Effective interest rate
實質利率
Prime rate
Prime rate
9.3%
9.3%
最優惠利率
最優惠利率