On the Impact of Bank Valuation on Property Prices and Expectations

Lie Chun Pong

doi:10.46609/IJSSER.2025.v10i10.050

Title: On the Impact of Bank Valuation on Property Prices and Expectations
Authors: Lie Chun Pong
Journal: International Journal of Social Science and Economic Research (IJSSER) ISSN: 2455-8834 Volume: 10 Issue: 10 Publication Date: October 2025 DOI: 10.46609/IJSSER.2025.v10i10.050
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Lie Chun Pong Hong Kong University of Science and Technology (HKUST)
MLA 8 Pong, Lie Chun. "On the Impact of Bank Valuation on Property Prices and Expectations." Int. j. of Social Science and Economic Research, vol. 10, no. 10, Oct. 2025, pp. 5335-5341, doi.org/10.46609/IJSSER.2025.v10i10.050. Accessed Oct. 2025. APA 6 Pong, L. (2025, October). On the Impact of Bank Valuation on Property Prices and Expectations. Int. j. of Social Science and Economic Research, 10(10), 5335-5341. Retrieved from https://doi.org/10.46609/IJSSER.2025.v10i10.050 Chicago Pong, Lie Chun. "On the Impact of Bank Valuation on Property Prices and Expectations." Int. j. of Social Science and Economic Research 10, no. 10 (October 2025), 5335-5341. Accessed October, 2025. https://doi.org/10.46609/IJSSER.2025.v10i10.050.
References [1] . Lam Ka Sing, Dary Choo, (2019). Two Hong Kong banks cut valuation of used homes as civic unrest threatens to knock property bull run off its footing. SCMP. [2] . https://www.ricacorp.com/en-hk/property/transaction/estate/kingswood-villas-bigest-tin-shui-wai-hma-en [3] . https://www.hsbc.com.hk/zh-hk/mortgages/tools/property-valuation
ABSTRACT: Banks are the mother of the foundation of all industries. As we all know, the banking sector has a significant impact on the operations of the industrial, commercial, and even real estate sectors. Among them, banks play a crucial role as a reference point in determining building prices. In particular, the makeup of the real estate cycle has an essential influence. In this research paper, we want to discuss the dilemma problem in the bank valuation of the asset, which may in turn hinder the bank's bad debt value. In addition, we suggested using a more moderate method to estimate the property price in the longer run approach, in order to solve the volatility of the real asset price valuation.

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