Global Housing Mortgage Market 2019-2025

About Housing Mortgage

 

A mortgage is a debt instrument that borrowers can use to secure collateral for any specific real estate property. By taking a loan, the borrower and business firm can execute real estate deal in a single payment. While the lender releases the entire value of the real estate purchase, the borrower repays the loan amount in fixed sets of payment within fixed tenure. If the borrowers default then, the bank or lenders can evict the tenants and sell the house to clear the mortgage debt.

 

In a fixed rate mortgage (FRM) system, the borrowers pay the same interest rate until the maturity of the loan, which is between 15 and 30 years. Even if the interest rates go up, the borrower continues to pay the fixed interest in the FRM system. However, if the market interest rates decline significantly, the borrowers may be able to secure a lower rate by refinancing the mortgage. In an adjustable rate mortgage (ARM) system, the interest rate is fixed for an initial term, but after that, it fluctuates in line with prevalent rates.

 

Researcher’s analysts forecast the global housing mortgage market to grow at a CAGR of 3.95% during the period 2017-2022.

 

Covered in this report

 

The report covers the present scenario and the growth prospects of the global housing mortgage market for 2017-2022. To calculate the market size, the report considers the global residential loan value from 37 major companies spread across EMEA, APAC, and the Americas.Researcher's report, Global Housing Mortgage Market 2017-2022, has been prepared based on an in-depth market analysis with inputs from industry experts. The report covers the market landscape and its growth prospects over the coming years. The report also includes a discussion of the key vendors operating in this market.

 

Key vendors

•             Bank of China

•             China Construction Bank

•             HSBC

•             Wells Fargo

Other prominent vendors

•             Agricultural Bank of China

•             Australia and New Zealand Banking Group

•             Banco Bilbao Vizcaya Argentaria

•             Bank of America

•             Bank of Communications

•             Bank of Tokyo-Mitsubishi

•             Barclays

•             BNP Paribas

•             China Development Bank

•             China Merchants Bank

•             Citibank

•             Commerzbank

•             Commonwealth Bank of Australia

•             Credit Agricole

•             Credit Suisse

•             Deutsch Bank

•             Industrial and Commercial Bank of China

•             Industrial Bank

•             ING Vysya Bank

•             Japan Post Bank

•             JPMorgan Chase

•             National Australia Bank

•             Nordea Bank

•             Rabobank

•             Royal Bank of Canada

•             Royal Bank of Scotland

•             Santander

•             Scotiabank

•             Shanghai Pudong Development Bank

•             Societie Generale

•             Standard Chartered

•             Toronto-Dominion Bank

•             UniCredit

Market driver

•             Investors' assets diversification and low housing loan interest

•             For a full, detailed list, view our report

Market challenge

•             Lack of transparency in housing mortgage loans

•             For a full, detailed list, view our report

Market trend

•             Opportunity for buyers and investors

•             For a full, detailed list, view our report

Key questions answered in this report

•             What will the market size be in 2022 and what will the growth rate be?

•             What are the key market trends?

•             What is driving this market?

•             What are the challenges to market growth?

•             Who are the key vendors in this market space?

•             What are the market opportunities and threats faced by the key vendors?

•             What are the strengths and weaknesses of the key vendors?

 

 

Press Release

 

Researcher Announces the Publication of its Research Report – Global Housing Mortgage Market 2017-2022

 

Researcher recognizes the following companies as the key players in the Global Housing Mortgage Market: Bank of China, China Construction Bank, HSBC, and Wells Fargo.

 

Other Prominent Vendors in the market are: Agricultural Bank of China, Australia and New Zealand Banking Group, Banco Bilbao Vizcaya Argentaria, Bank of America, Bank of Communications, Bank of Tokyo-Mitsubishi, Barclays, BNP Paribas, China Development Bank, China Merchants Bank, Citibank, Commerzbank, Commonwealth Bank of Australia, Credit Agricole, Credit Suisse, Deutsch Bank, Industrial and Commercial Bank of China, Industrial Bank, ING Vysya Bank, Japan Post Bank, JPMorgan Chase, National Australia Bank, Nordea Bank, Rabobank, Royal Bank of Canada, Royal Bank of Scotland, Santander, Scotiabank, Shanghai Pudong Development Bank, Societie Generale, Standard Chartered, Toronto-Dominion Bank, and UniCredit.

 

Commenting on the report, an analyst from Researcher’s team said: “Competition for prime assets will intensify during the forecast period. The generation of wealth in the emerging economies will intensify competition for prime housing asset and investors may have to evolve new strategies to earn attractive returns. Such a situation may help develop housing assets in fast-growing, but higher risk emerging economies and specialize in the certain sectors during the forecast period.”

 

According to the report, implementation of enhanced internal risk management frameworks and underwriting standards of all housing mortgage loan originators and brokers will help in the enforcement of the prudential supervision. If we look at the different market scenario, the stringent verification process is being implemented by regulatory bodies worldwide where the borrowers can make higher down payments to guarantee good credibility and to lower the systemic risk.

 

Further, the report states that lack of transparency in housing mortgage loans hinders the market growth.