China’s six largest banks saw outstanding personal mortgage loans fall by about
700 billion yuan to over 25 trillion yuan at end-2025, according to annual
reports.
The decline was partly driven by borrowers accelerating repayments to reduce
interest costs, while banks faced contracting mortgage books and rising
non-performing loan ratios.
Executives said new mortgage applications have shown signs of recovery this
year, indicating early stabilization in the property market, China Securities
Journal reported.
