Table of Contents
- OVERVIEW
- Market Size
- Future Growth Indicators
- Key issues
- Belgium
- Netherlands
- Luxembourg
- Key market players
- Product innovation
- Belgium
- Netherlands
- Luxembourg
- CHAPTER 1 INTRODUCTION
- What is this report about?
- Scope of the report
- Structure of report
- CHAPTER 2 MARKET CONTEXT
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Distribution of wealth
- Demographics
- Population and demographic split
- Unemployment
- Housing market
- Dwelling stock
- House prices
- Government housing intervention
- Taxes, subsidies and housing schemes
- Belgium
- Netherlands
- Luxembourg
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Structure of the Benelux retail banking sector
- Structure of Belgian retail banking
- Structure of the Dutch retail banking market
- Structure of Luxembourg's retail banking market
- Mortgage market structure
- Market share of player types in Belgian mortgage market
- Market share of player types in the Dutch mortgage market
- Market share of player types in the Luxembourg mortgage market
- Funding in the Benelux region
- Distribution
- Regulatory environment
- Industry regulators in Belgium
- National Bank of Belgium - NBB
- Banking, Finance and Assurance Commission - CBFA
- Industry associations in Belgium
- Belgian Bankers Association (ABB-BVB)
- Test-Achats
- Union Professionnelle du Credit - UPC BVK
- Industry regulators in Netherlands
- De Nederlandsche Bank
- Netherlands Authority for the Financial Markets
- Industry associations in the Netherlands
- Nederlandse Vereniging van Banken (NVB)
- Consumentenbond
- Industry regulators in Luxembourg
- The Banque Centrale du Luxembourg (BCL)
- Commission de Surveillance du Secteur Financier (CSSF)
- Industry associations in Luxembourg
- Association des Banques et Banquiers Luxembourg (ABBL)
- Union Luxembourgeoise des Consommateurs (ULC)
- Credit bureaux
- Both private and public credit bureaux operate in Belgium
- There are two main credit scoring bureaux in the Netherlands
- Repossession and rules of law
- Belgium
- Netherlands
- Luxembourg
- Regulatory issues and developments in the mortgage market
- The birth of an integrated European mortgage market is still far off
on the horizon, yet lenders are concerned over potential developments
- Basel II will mean a number of changes for lenders
- European Code of Conduct on Home Loans
- Recent national mortgage-related legislation
- Key issues in the mortgage market
- Belgium
- Netherlands
- Luxembourg
- CHAPTER 3 COMPETITOR AND PRODUCT OVERVIEW
- Top five mortgage lenders
- Market share by balances outstanding
- Profile of top five mortgage lenders
- Rabobank
- ING
- Fortis
- ABN Amro
- SNS Bank
- Competitor developments
- Merger and acquisition activities in Belgium
- Merger and acquisition activities in the Netherlands
- Merger and acquisition activities in Luxembourg
- Product analysis
- Typical product characteristics
- Belgium
- Netherlands
- Luxembourg
- Product innovation
- Belgium
- Netherlands
- Luxembourg
- CHAPTER 4 FORECASTING THE MORTGAGE MARKET IN THE BENELUX
- Forcasting gross advances
- Gross advances in the Benelux residential mortgage market will grow at
a CAGR of 5.8 per cent
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 5 APPENDIX
- Supplementary data
- Data tables relating to Chapter 2: Market context
- Data tables relating to Chapter 3: Competitor and product overview
- Definitions
- Balances outstanding
- CAGR
- Capped mortgage
- Equity release
- EU 15
- Fixed rate mortgage
- Flexible mortgage
- Gross advances
- Loan-to-value (LTV)
- Mortgage intermediary
- Remortgaging
- Self-certification mortgage
- Variable mortgage
- Forecasting methodology
- Research methodology
- Relevant readings
- UK Mortgage Market Map
- Key Features
- For futher information
- Reports
- European mortgage reports:
- Other mortgage reports
- Briefings
- Future readings
- Datamonitor's custom research capabilities
- Retail Banking Team contact details
- How to contact experts in your industry
- List of Tables
- Table 1: Mortgage gross advances in the Benelux region by country,
2001-2005e
- Table 2: Ranking of selected European countries by GDP, 2004
- Table 3: GDP per capita of selected European countries, 2004
- Table 4: Sectoral composition of the economies of the Benelux nations,
2004
- Table 5: Inflation in selected European countries, 2004
- Table 6: GINI Coefficient of selected European countries, 2003
- Table 7: Segmentation of liquid assets in the Benelux nations, 2004
- Table 8: Approximately two-thirds of the Benelux population are of
working age, 2004
- Table 9: Age distribution of dwelling stock in the Benelux
- Table 10: Outstanding balances of mortgages compared to GDP of
selected European countries, 2004
- Table 11: Number of loans and the average size of a mortgage loan,
2001-2005e
- Table 12: Proportion of gross advances for 'house purchase' split by
purpose, 2001-2004
- Table 13: Top five mortgage lenders in the Benelux region by balances
outstanding, 2003-2004
- Table 14: Splits of gross advances by type of interest rate, 2001-2004
- Table 15: Datamonitor's forecast of mortgage gross advances in the
Benelux region, 2005e-2010f
- Table 16: Unemployment rate in the Benelux, 2001-2005
- Table 17: Total dwelling stock in the Benelux region split by country,
1999-2003
- Table 18: Owner occupation rate in the Benelux region by country,
2001/2002
- Table 19: Annual house price growth in the Benelux region by country,
1996-2003
- Table 20: Average price per 100 square metres of building land in
Luxembourg, 1998-2003
- Table 21: Typical mortgage interest rates in the Benelux region by
country and 3-months EURIBOR, Q1 2003 - Q1 2005
- Table 22: Mortgage balances outstanding in the Benelux region by
country, 2001-2005e
- Table 23: Net mortgage lending in the Benelux region, 2001-2005e
- Table 24: Mortgage gross advances in the Benelux region by country,
2001-2005e
- Table 25: Mortgage gross advances in the Belgian residential market
split by product line, 2001-2004
- Table 26: Market share of gross advances in the Belgian market by
player type, 2005
- Table 27: Mortgage gross advances by Monetary Financial Institutions
in the Dutch mortgage market split by interest rate type, 2003-2005
- List of Figures
- Figure 1: Strong growth in the Belgian and Luxembourg markets will
drive the Benelux mortgage market forward, as growth in the Dutch mortgage
market slows significantly, 2005e-2010f
- Figure 2: Rabobank is the largest mortgage lender in the Benelux
region, 2003-2004
- Figure 3: A snapshot of the Benelux's key statistics, 2004
- Figure 4: Of the Benelux nations, Luxembourg's economy has been
expanding at the fastest rate, 2001-2004
- Figure 5: Belgium has the highest unemployment rate in the Benelux
region, 2001-2005
- Figure 6: Dwelling stock in the Benelux has remained static over the
years, 1999-2003
- Figure 7: The number of new builds in the Netherlands on a yearly
basis is significantly below historical trends, 1995-2004
- Figure 8: Luxembourg and Belgium have a high level of home ownership,
2001/2002
- Figure 9: House price growth in the Netherlands has slowed
significantly, 1996-2003
- Figure 10: The price of building land in Luxembourg has more than
doubled from 1998 to 2003
- Figure 11: Typical mortgage rates have gone down, Q1 2003-Q1 2004
- Figure 12: The Netherlands is the major contributor to mortgage
balances outstanding in the Benelux region, 2001-2005e
- Figure 13: All countries in the Benelux region witnessed an increase
in net lending over the last five years, 2001-2005e
- Figure 14: Gross advances in the Benelux picked up again in 2005,
after recording a slower growth rate in 2004, 2001-2005e
- Figure 15: Remortgaging in the Belgian mortgage market has grown in
importance in the last couple of years, 2001-2004
- Figure 16: Remortgaging grew rapidly in the late '90s before stalling
in 2000, but started to pick up again in 2002, 1995-2003
- Figure 17: Home improvement accounts for the vast majority of equity
withdrawal, while debt consolidation accounts for just 6 per cent of the
market, 2003
- Figure 18: Credit institutions advanced 91.2 per cent of gross
advances in the Belgian mortgage market in 2005
- Figure 19: Banks are the major player type in the Dutch mortgage
market, 2005
- Figure 20: Regulatory structure of the Belgian Banking market, 2005
- Figure 21: Regulatory overview of the Netherlands, 2005
- Figure 22: Regulatory overview of Luxembourg, 2005
- Figure 23: Rabobank is the largest mortgage lender in the Benelux
region, 2003-2004
- Figure 24: Fixed rates mortgages of five to ten years are the most
popular type of mortgages in the Dutch market but short-term variable
rates have recently gained in popularity, 2003-2005
- Figure 25: Strong growth in the Belgian and Luxembourg markets will
drive the Benelux mortgage market forward, as growth in the Dutch mortgage
market slows significantly, 2005e-2010f
- Figure 26: The UK Mortgage Market Map covers a wide range of mortgage
sectors
- Figure 27: Mortgage sectors covered within the UK Mortgage Market Map
- Figure 28: Datamonitor's core consulting capabilities
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