Page 230 - Hong Kong Housing Society Annual Report 2023/24

14. Loans receivable 14. 應收貸款

Loans receivable represents mainly the second mortgage 應收貸款主要是指為樓宇買家所提供的
loans granted to the flat buyers. All the secured loans are 第二按揭貸款。所有有抵押的貸款是以
secured by residential properties. 住宅物業作押。

(in HK$Million) （港幣百萬元） 2024 2023

Secured mortgage loans 有抵押品按揭貸款 15.2 23.2
Unsecured loans 無抵押品貸款 0.3 0.4

15.5 23.6

Representing: 上列數目代表：

Due within 1 year 一年內到期 1.0 1.6

Due after 1 year, but within 2 years 一年至二年內到期 1.0 1.3

Due after 2 years, but within 5 years 二年至五年內到期 2.6 3.8
Due after 5 years 五年以後到期 10.9 16.9

Total due after 1 year 一年以後到期總額 14.5 22.0

15.5 23.6

Interest rates applicable to the above loans receivable are 有關應收貸款的利率現列如下：
set out below:

secured mortgage loans unsecured loans
有抵押品按揭貸款 無抵押品貸款

2024 2023 2024 2023

Contractual interest 合約利率 0% to 0% to
rate
Prime rate Prime rate Prime rate Prime rate
百分之零至 百分之零至

最優惠利率 最優惠利率 最優惠利率 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

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