Table of Contents
- CHAPTER 1 INTRODUCTION
- What is this report about?
- Scope of the report
- Who is the target reader?
- How to use this report
- CHAPTER 2 MORTGAGES IN AUSTRIA
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Segmentation of liquid assets
- Demographics
- Population and demographic split
- Unemployment
- Housing market
- Housing stock
- House prices
- Government housing intervention
- Housebuilding subsidies
- The Länder have sold large parts of their loan portfolios
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Categories of banks
- Joint stock banks and private banks
- Savings Banks (Sparkassen) Group
- Regional mortgage banks
- Raiffeisen Group
- Volksbanken Group
- Bausparkassen
- Special purpose banks and finance houses
- Mortgage market structure
- Market share by type of player
- Funding
- Distribution
- Regulatory environment
- Industry regulators
- Oesterreichische Nationalbank
- Industry associations
- Sparkassenverband
- Oesterreichische Genossenschaftsverband (OeGV)
- Raiffeisenverband
- Verband der österreichischen Landes-Hypothekenbanken
- Verband Osterreichischer Banken und Bankiers
- Credit bureaux
- Repossession and rules of law
- Regulatory issues in the market
- The birth of an integrated European mortgage market is still far
away, yet lenders are concerned over potential developments
- Austria is well prepared for the implementation of Basel II
- National mortgage related legislation
- Key market issues
- Top five mortgage lenders
- Market share by balances outstanding
- Profile of top five mortgage lenders
- Bank Austria Creditanstalt (BA-CA)
- BAWAG PSK
- Volksbank
- Sparkassen
- Raiffeisen
- Competitor developments
- Entry into the Austrian retail banking market is difficult
- The Volksbank and Raiffeisen groups are direct competitiors
- The merger of BAWAG and P.S.K. was the biggest of 2005
- Product analysis
- Typical product characteristics
- Mortgage term
- Mortgage fees in Austria
- Product innovation
- Forecasting gross advances
- Datamonitor forecasts a steady rise in new lending in the Austrian
residential mortgage market
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 3 MORTGAGES IN THE BENELUX REGION
- 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
- 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
- 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 4 MORTGAGES IN FRANCE
- Country overview
- Demographics
- Economy
- GDP
- Sectoral composition of the economy
- Inflation
- Distribution of income (GINI Coefficient)
- Unemployment
- Housing market
- Dwelling stock
- House prices
- Government housing intervention
- Taxes, subsidies and housing schemes
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Structure of the French retail banking sector
- Categories of banks
- Commercial banks
- Mutual and co-operative banks
- Municipal credit banks (Caisses de credit municipal)
- The French banking structure is more complex than it seems
- Finance houses are important players in the retail financial market
- Mortgage market structure
- Mortgage market share by type of player
- Funding
- Distribution
- Regulatory environment
- Industry regulators
- Banque de France
- Commission Bancaire - CB
- The Credit Institutions and Investments Firms Committee (CECEI)
- The Banking and Financial Regulatory Committee (CRBF)
- Industry associations
- Groupement des Cartes Bancaires (CB)
- Association Française des Etablissements de Credit et des
Entreprises d'Investissements (AFECEI)
- Association Française des Sociétes Financières (ASF)
- Fedération Bancaire Française (FBF)
- Other noteworthy associations
- Credit bureaux
- France has previously rejected the adoption of a national credit
bureau holding positive data
- Regulatory issues and developments in the mortgage market
- The birth of an integrated European mortgage market is still very
far off on the horizon, yet lenders are concerned over potential
developments
- Basel II will mean a number of changes for lenders
- Recent national mortgage-related legislation
- Key issues in the mortgage market
- Top five mortgage lenders
- Market share by balances outstanding
- Profile of top five mortgage lenders
- Credit Agricole
- Both banks launched aggressive advertising campaigns in 2005 to
raise their profile
- Credit Mutuel
- SociétEGénérale
- Caisse d'Epargne
- Banque Populaire
- Competitor developments
- Mergers and acquisition activity in the French banking market
- Credit Agricole took over Credit Lyonnais in 2003
- Mutual and co-operative banks have consolidated themselves in recent
years
- However, it is thought that the French banking market is fully
consolidated
- La Banque Postale was created on 1 January 2006
- Foreign players play a marginal role in the French mortgage market
- Product analysis
- Typical product characteristics
- Product innovation
- Forecasting gross advances
- Gross advances in the French residential mortgage market will reach
€210.4 billion in 2010
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 5 MORTGAGES IN GERMANY
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Segmentation of liquid assets
- Demographics
- Housing market
- Housing stock
- House prices
- Government housing policies
- Social housing in Germany
- Privatization of housing in the East has been slow
- Overbuilding has led to an oversupply of housing in many areas of
Germany
- The German government has used grants and subsidies to boost
homeownership
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Categories of banks
- Private commercial banks
- Sparkassen Group (savings banks)
- Volks- und Raiffeisenbanken (co-operative banks)
- Mortgage market structure
- Market share by type of player
- Funding
- Distribution
- Regulatory environment
- Industry regulators
- Industry associations
- Zentraler Kreditausschuss (ZKA)
- Deutsche Sparkassen- und Giroverband (DSGV)
- Bundesverband deutscher Banken (German Bankers Association)
- Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR)
- Bundesverband Öffentlicher Banken Deutschlands (VÖB)
- Hypothekenverband (VDH)
- Verband der privaten Bausparkassen
- Other noteworthy organizations
- Credit bureaux
- Repossession
- Regulatory issues in the mortgage market
- The birth of an integrated European mortgage market is still very
far off on the horizon, yet lenders are concerned over potential
developments
- German banks are some of the most prepared for the implementation of
Basel II
- National mortgage related reform
- Key issues in the mortgage market
- Top five mortgage lenders
- Market share by balances outstanding
- Profile of top five mortgage lenders
- The Sparkassen Group
- Eurohypo
- BHW
- BHW's real distinction comes from its brand and its distribution
strategy
- Although Bauspar is still its primary product, BHW has undertaken a
major shift in focus over the last few years
- HVB
- BSH
- Competitor developments
- Consolidation of the German retail banking market
- Most recently, Commerzbank announced it is to take control of
Eurohypo
- German Postbank buys BHW Holding
- Chancellor Schroeder has called for German banks to remain
competitive through consolidation
- Foreign lenders have been entering the German market
- In Germany the takeover of HVB was seen as further evidence of its
underperforming economy
- Wachovia enter the German commercial mortgage market
- German mortgage bank AHBR acquired by U.S. private equity firm Lone
Star
- Product analysis
- Typical product characteristics
- There are two forms of property financing
- The Bauspar system explained
- The Bauspar system pools deposits in an allocation fund
- Fixed rate and variable rate mortgages
- Mortgage term
- LTV
- Product innovation
- Forecasting gross advances
- Datamonitor forecasts a slow rise in the German mortgage market
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 6 MORTGAGES IN GREECE
- Country overview
- Demographics
- Economy
- GDP
- Sectoral composition of the economy
- Inflation
- Distribution of income (GINI Coefficient)
- Unemployment
- Housing market
- Dwelling stock
- House prices
- Government housing intervention
- Taxes, subsidies and housing schemes
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Structure of the Greek retail banking sector
- Mortgage market structure
- Mortgage market share by type of player
- Funding
- Distribution
- Regulatory environment
- Industry regulators
- Bank of Greece
- Hellenic Capital Market Commission
- Industry associations
- Hellenic Bank Association
- Credit bureaux
- 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
- Recent national mortgage-related legislation
- Key issues in the mortgage market
- Top five mortgage lenders
- Market share by balances outstanding
- Profile of top five mortgage lenders
- National Bank of Greece
- Alpha Bank
- EFG Eurobank
- Emporiki Bank
- Piraeus Bank
- Competitor developments
- Merger, acquisition and expansion activity in the Greek banking market
- Foreign players have been buying stakes in Greek banks
- Product analysis
- Typical product characteristics
- Product innovation
- Forecasting gross advances
- Gross advances in the Greek residential mortgage market will reach
€29.2 billion in 2010
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 7 MORTGAGES IN IRELAND
- Country overview
- Demographics
- Economy
- GDP
- Sectoral composition of the economy
- Inflation
- Distribution of income (GINI Coefficient)
- Unemployment
- Housing market
- Dwelling stock
- House prices
- Government housing intervention
- Taxes, subsidies and housing schemes
- The Planning and Development Act (2000)
- Tax changes affect Irish homebuyers
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Structure of the Irish banking sector
- Mortgage market structure
- Mortgage market share by type of player
- Funding
- Distribution
- Regulatory environment
- Industry regulators
- Central Bank and Financial Services Authority of Ireland (CBFSAI)
- Industry associations
- Irish Bankers' Federation (IBF)
- Irish Mortgage Council (IMC)
- Irish Finance Houses Association (IFA)
- Other noteworthy organizations
- Irish Bank Officials Association (IBOA)
- Credit bureaux
- Repossession and rules of law
- Regulatory issues and developments in the mortgage market
- The birth of an integrated European mortgage market is still very
far off on the horizon, yet lenders are concerned over potential
developments
- Basel II will mean a number of changes for lenders
- Recent national mortgage-related legislation
- Key issues in the mortgage market
- Top five mortgage lenders
- Market share by balances outstanding
- Profile of top five mortgage lenders
- Bank of Ireland
- Permanent TSB
- AIB
- First Active
- Ulster Bank
- Competitor developments
- Merger and acquisition activities in the Irish banking market
- Foreign players are attracted to the Irish banking sector
- Product analysis
- Typical product characteristics
- Product innovation
- Forecasting gross advances
- Gross advances in the Irish residential mortgage market will reach
€32.5 billion in 2010
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 8 MORTGAGES IN ITALY
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Distribution of liquid assets in Italy
- Demographics
- Population and demographic split
- Unemployment
- Housing market
- Housing stock
- House prices
- Government housing policies
- Market data
- Mortgage interest rates
- Market Size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Categories of banks
- Limited liability banks
- Co-operative banks
- Savings Banks
- Mortgage market structure
- Market Structural Overview
- Funding
- Distribution
- Regulatory environment
- Industry regulators
- Industry associations
- Associazione Bancaria Italiana (ABI)
- Associazione fra le Casse di Risparmio Italiane (ACRI)
- Banche Credito Cooperativo - BCC
- Associazione Italiana del Credito al Consumo e Immobiliare - Assofin
- Credit bureaux
- EURISC - CRIF Credit Protection Bureau
- Repossession and rules of law
- Regulatory issues in the market
- The birth of an integrated European mortgage market is still far
off, yet lenders are concerned over potential developments
- Italy is under prepared for the implementation of Basel II
- National mortgage related regulations
- Key market issues
- Top five mortgage lenders
- Market share by balances outstanding
- Profile of top five mortgage lenders
- Unicredito
- Capitalia
- Capitalia looks to expand its business to cover the whole of Italy
- Banca Monte Dei Paschi Group
- Banca Intesa
- Banca Intesa offers four key mortgage products
- Sanpaolo IMI
- Competitor developments
- Merger, acquisition and expansion activities in the Italian banking
market
- Investment by foreign banks has been hindered in the past
- Australia's Macquarie Bank enters the Italian mortgage market
- Product analysis
- Typical product characteristics
- Fixed rate and variable rate mortgage penetration
- Mortgage term
- LTV
- Mortgage fees
- Product innovation
- Forecasting gross advances
- Datamonitor forecasts a continual rise in the Italian mortgage market
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 9 MORTGAGES IN THE NORDICS
- Country overview
- Economy
- GDP
- Inflation
- Distribution of income
- Distribution of liquid assets in The Nordics
- Demographics
- Population and demographic split
- Unemployment
- Housing market
- Housing stock
- House prices
- Government housing policies in the Nordics
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- The banking structure in each Nordic country is very similar
- The structure of the Swedish banking market
- Mortgage market structure
- Major types of player
- Funding
- Distribution
- Regulatory environment
- Regulatory environment in Denmark
- Industry regulators
- Industry associations
- Other noteworthy associations
- Regulatory environment in Finland
- Industry regulators
- Industry associations
- Regulatory environment in Norway
- Industry regulators
- Industry associations
- Other noteworhy associations
- Regulatory environment in Sweden
- Industry regulators
- Industry associations
- Other noteworthy associations
- Credit bureaux
- Repossession and rules of law
- Regulatory issues in the market
- The birth of an integrated European mortgage market is still far
away, yet lenders are concerned over potential developments
- The Nordics are well prepared for the implementation of Basel II
- National mortgage related regulations
- Key market issues
- Top five mortgage lenders
- Market share by balances outstanding
- Profile of top five mortgage lenders
- Nordea Bank
- Nordea's mortgage products in Sweden
- Danske Bank
- DnB NOR
- Handelsbanken
- Handelsbanken conducts its mortgage business in Sweden through
Stadshypotek
- FöreningsSparbanken
- Competitor developments
- The consolidation process in the Nordic banking market
- There have been few new entrants to the market in recent years
- Product analysis
- Typical product characteristics
- Typical product characteristics in Denmark
- Typical product characteristics in Finland
- Typical product characteristics in Norway
- Typical product characteristics in Sweden
- Product innovation
- Forecasting gross advances
- Datamonitor forecasts a continual rise in the Nordic mortgage market
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 10 MORTGAGES IN PORTUGAL
- Country overview
- Demographics
- Population and demographic split
- Economy
- GDP
- Inflation
- Distribution of income
- Unemployment
- Housing market
- Housing stock
- House prices
- Government housing intervention
- State subsidies
- Property sales
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Categories of banks
- Universal banks
- Savings banks
- Agricultural credit institutions (co-operative banks)
- Mortgage market structure
- Market Structural Overview
- Funding
- Distribution
- Regulatory environment
- Industry regulators
- Banco de Portugal
- Conselho Nacional de Supervisores Financeiros
- Industry associations
- ASB
- ASFAC
- Caixa Central de Credito Agrú€ola Mútuo
- FENACAM
- Credit bureaux
- Regulatory development and issues in the Portuguese mortgage market
- The birth of an integrated European mortgage market is still very
far off on the horizon, yet lenders are concerned over potential
developments
- Basel II will mean a number of changes for lenders
- Legislative changes relating to covered bonds
- Key market issues
- Top five mortgage lenders
- Market share by balances outstanding
- Profiles of the top mortgage lenders
- Caixa Geral de Depósitos
- Millennium BCP
- Banco Santander Totta
- Banco Português de Investimento
- Banco Espúito Santo
- Caixa Económica Montepio Geral
- Competitor developments
- The Portuguese banking market has gone through a process of
significant consolidation
- Moreover, a number of foreign players have entered the Portuguese
mortgage market
- Product analysis
- Typical product characteristics
- Fixed rate and variable rate mortgage penetration
- Mortgage term
- LTV
- Product innovation
- Long-term fixed mortgages are now available
- Leasing is gaining popularity
- Forcasting gross advances
- Datamonitor forecasts steady but gradual growth for the Portuguese
mortgage market
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 11 MORTGAGES IN SPAIN
- Country overview
- Demographics
- Population and demographic split
- Economy
- GDP
- Inflation
- Distribution of income
- Distribution of liquid assets
- Unemployment
- Housing market
- Housing stock
- House prices
- Government housing intervention
- The Government is attempting to make more housing affordable for lower
income groups
- In addition, it is trying to boost the rental sector
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Categories of banks
- Private commercial banks
- Cajas de Ahorros (savings banks)
- Cooperativas de Credito (co-operative banks)
- Mortgage market structure
- Market share by player type
- Funding
- Distribution
- Regulatory environment
- Industry regulators
- Industry associations
- Asociación Española de Banca (AEB)
- Confederación Española de Cajas de Ahorros (CECA)
- Unión Nacional de Cooperativas de Credito (UNACC)
- Asociación Nacional de Establecimientos Financieros de Credito
(ASNEF)
- Asociación de Usuarios de Servicios Bancarios (AUSBANC)
- Credit bureaux
- The Banco de España manages a public registry
- Equifax operates a private sector credit bureau in Spain
- Experian entered the market in 2000
- Regulatory issues and developments in the mortgage market
- The birth of an integrated European mortgage market is still very
far off on the horizon, yet lenders are concerned over potential
developments
- Spain has not opted into the Code of Conduct for Home Lending
- Basel II will mean a number of changes for lenders
- Recent national legislation
- Key market issues
- Top five mortgage lenders
- Market share by balances outstanding
- Profiles of top mortgage lenders
- BBVA
- La Caixa
- BSCH
- Caja Madrid
- Banco Sabadell
- Banco Popular
- Competitor developments
- Mergers and acquisition activity in the banking sector
- Foreign lenders have been entering the Spanish mortgage market
- Product analysis
- Typical product characteristics
- The majority of mortgages are on variable rates
- Mortgages tend to be long-term
- LTVs are high in Spain
- Product innovation
- 50 year mortgages are now available
- Special mortgages for first time buyers are now available
- Offset mortgages are a new option for Spanish customers
- Equity withdrawal products are slowly being developed
- Forecasting gross advances
- Datamonitor forecasts a gradual slowdown for the Spanish mortgage
market
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 12 MORTGAGES IN TURKEY
- Country overview
- Economy
- GDP
- Sectoral composition of the economy
- Inflation
- Distribution of income (GINI Coefficient)
- Demographics
- Population and demographic split
- Unemployment
- Housing market
- Housing stock
- House prices
- Government housing intervention
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Categories of financial institutions
- Commercial banks
- Islamic Finance Houses
- Mortgage market structure
- Market structural overview
- Funding
- Distribution
- Regulatory environment
- Industry regulators
- TEkiye Cumhuriyet Merkez Bankası
- Bankacilik DEenleme ve Denetleme Kurumu (BDDK)
- Industry associations
- TEkiye Bankalar Birliği (TBB)
- Other noteworthy organisations
- Credit bureaux
- Regulatory issues and developments in the banking sector
- New laws have been introduced effecting the legal framework and
supervision of the banking system
- The Banking Sector Restructuring Program
- Turkish politicians have welcomed the benefits of Basel II
- Regulatory issues and developments in the mortgage market
- Turkey is currently without a fully developed mortgage market
- The housing credit system change legislation will implement a fully
developed mortgage market system
- Key market issues
- Top five mortgage lenders
- Market share by balances outstanding
- Profile of top five mortgage lenders
- İş Bankası
- Yapi Kredi
- Akbank
- Garanti Bank
- Vakif Bankasi
- Competitor developments
- Mergers, acquisitions and expansion activity in the Turkish banking
sector
- The Turkish market is appealing to foreign lenders
- HSBC expands its branch network in Turkey
- Dubai based Amlak joins forces with Kuwait Turkish Finance House
Group
- Product analysis
- Typical product characteristics
- Product innovation
- Forcasting gross advances
- Datamonitor forecasts a rapid rise in the Turkish mortgage market
- Future prospects
- Strengths
- Weaknesses
- Opportunities
- Threats
- CHAPTER 13 APPENDIX
- Supplementary data
- Austria
- The Benelux Region
- France
- Germany
- Greece
- Ireland
- Italy
- The Nordics
- Portugal
- Spain
- Turkey
- 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
- Tied agent
- Unemployment rate
- Variable mortgage
- Forecasting methodology
- Research methodology
- Secondary research sources
- Austria
- The Benelux Region
- France
- Germany
- Greece
- Ireland
- Italy
- The Nordics
- Portugal
- Spain
- Turkey
- Publications used
- Relevant readings
- UK Mortgage Market Map
- Key Features
- For futher information
- 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: Ranking of selected European countries by GDP, 2004
- Table 2: GDP per capita of selected European countries, 2004
- Table 3: The service industry is the main contributor to Austria's GDP,
2004
- Table 4: Inflation in selected European countries, 2004
- Table 5: GINI Coefficient of selected European countries, 2003
- Table 6: Segmentation of liquid assets in Austria, 2004
- Table 7: Population distribution according to age group in Austria, 2004
- Table 8: The age of Austrian dwelling stock, 2002
- Table 9: Mortgage balances outstanding compared to GDP of selected
European countries, 2004
- Table 10: Forecast of mortgage gross advances in Austria, 2004-2010f
- Table 11: Ranking of selected European countries by GDP, 2004
- Table 12: GDP per capita of selected European countries, 2004
- Table 13: Sectoral composition of the economies of the Benelux nations,
2004
- Table 14: Inflation in selected European countries, 2004
- Table 15: GINI Coefficient of selected European countries, 2003
- Table 16: Segmentation of liquid assets in the Benelux nations, 2004
- Table 17: Approximately two-thirds of the Benelux population are of
working age, 2004
- Table 18: Age distribution of dwelling stock in the Benelux
- Table 19: Outstanding balances of mortgages compared to GDP of selected
European countries, 2004
- Table 20: Number of loans and the average size of a mortgage loan,
2001-2005e
- Table 21: Proportion of gross advances for 'house purchase' split by
purpose, 2001-2004
- Table 22: Top five mortgage lenders in the Benelux region by balances
outstanding, 2003-2004
- Table 23: Splits of gross advances by type of interest rate, 2001-2004
- Table 24: Datamonitor's forecast of mortgage gross advances in the
Benelux region, 2005e-2010f
- Table 25: France has the fourth highest inflation rate in Europe, 2000-
2004
- Table 26: Age of France's dwelling stock, 2002
- Table 27: Mortgage balances outstanding compared to GDP of selected
European countries, 2004
- Table 28: Main players under each pillar, 2005
- Table 29: Examples of finance houses, 2005
- Table 30: Mortgage balances outstanding and market share for the top 5
lenders in the French residential market, 2003-2004
- Table 31: Forecast residential mortgage gross advances in the French
market, 2006f-2010f
- Table 32: GDP per capita of selected European countries, 2004
- Table 33: Selected inflation rates of major European countries, 2000-2003
- Table 34: Segmentation of liquid assets, 2004
- Table 35: Age of Germany's dwelling stock, 2004
- Table 36: Residential mortgage balances outstanding compared to GDP of
selected European countries, 2004
- Table 37: Forecasted gross advances in the German residential mortgage
market, 2004-2010f
- Table 38: GDP per capita at current rates across major European
countries, 2001-2004
- Table 39: Greece has the highest inflation rate in Europe, 2000- 2004
- Table 40: Age of Greece's dwelling stock, 2001
- Table 41: Mortgage balances outstanding compared to GDP of selected
European countries, 2004
- Table 42: Balances outstanding market share by type of institution,
2001-2004
- Table 43: Mortgage balances outstanding and market share for the top
five lenders in the Greek residential market, 2003-2004
- Table 44: Forecast mortgage gross advances in the Greek residential
market, 2004-2010f
- Table 45: GDP per capita for selected European countries, 2004
- Table 46: France has the fourth highest inflation rate in Europe, 2000-
2004
- Table 47: Distribution of income across major European countries
demonstrated by GINI Coefficient, 2003
- Table 48: Age of Ireland's dwelling stock, 2002
- Table 49: Mortgage balances outstanding compared to GDP of selected
European countries, 2004
- Table 50: Market share of gross residential mortgage advances by type of
institution, 2000-2004
- Table 51: Top five mortgage lenders in the Irish residential market in
terms of balances outstanding, 2004
- Table 52: Recent mergers, acquisitions and demutualizations among
domestic players in the Irish banking sector, 1991-2005
- Table 53: A number of foreign players have entered the Irish banking
sector, 1997-2006
- Table 54: Number of mortgage loans approved split by variable and fixed
rates, 2000-2004
- Table 55: Forecast residential mortgage gross advances in the Irish
market, 2006f-2010f
- Table 56: Ranking of selected European countries by GDP, 2004
- Table 57: GDP per capita of selected European countries, 2004
- Table 58: Composition of Italy's GDP by sector, 2004
- Table 59: Inflation in selected European countries, 2004
- Table 60: GINI Coefficient for selected European countries, 2003
- Table 61: Segmentation of liquid assets in Italy, 2004
- Table 62: Population distribution according to age group in Italy, 2004
- Table 63: The age of Italian dwelling stock, 1991
- Table 64: Mortgage balances outstanding compared to GDP of selected
European countries, 2004
- Table 65: Forecast of mortgage gross advances in Italy, 2004-2010
- Table 66: Ranking of selected European countries by GDP, 2004
- Table 67: GDP per capita of selected European countries, 2004
- Table 68: Composition of Nordic countries GDP by sector, 2004
- Table 69: Inflation in selected European countries, 2004
- Table 70: GINI Coefficient of selected European countries, 2003
- Table 71: Population distribution according to age group in the Nordic
region. 2004
- Table 72: Labor statistics in the Nordics, 2004
- Table 73: Dwelling stock in the Nordics, 2000-2004
- Table 74: Tenure market share in the Nordics
- Table 75: Mortgage balances outstanding as a proportion of GDP in
selected European countries, 2004
- Table 76: Forecast of mortgage gross advances in the Nordics, 2004-2010f
- Table 77: Population distribution according to age group in Portugal,
2004
- Table 78: Ranking of selected European countries by GDP, 2004
- Table 79: GDP per capita of selected European countries, 2004
- Table 80: Composition of Portugal's GDP by sector, 2005
- Table 81: Inflation in selected European countries, 2004
- Table 82: GINI Coefficient for selected European countries, 2003
- Table 83: Outstanding balances of mortgages compared to GDP of selected
European countries, 2004
- Table 84: Top five mortgage lenders in the Portuguese residential market
in terms of balances outstanding, 2004
- Table 85: Datamonitor's forecasted gross advances in the Portuguese
residential mortgage market, 2005e and 2006f-2010f
- Table 86: Population distribution according to age group in Spain, 2004
- Table 87: GDP per capita of selected European countries, 2004
- Table 88: Inflation in selected European countries, 2004
- Table 89: GINI Coefficient for selected European countries, 2003
- Table 90: Segmentation of liquid assets in Spain, 2004
- Table 91: Dwellings in Spain by year of construction, 2001
- Table 92: Outstanding balances of mortgages compared to GDP of selected
European countries, 2004
- Table 93: Top five mortgage lenders in the Spanish residential market in
terms of balances outstanding, 2004
- Table 94: Datamonitor's forecasted gross advances in the Spanish
residential mortgage market, 2005e and 2006f-2010f
- Table 95: GDP per capita for selected European countries, 2004
- Table 96: Composition of Turkey's GDP by sector, 2004
- Table 97: Inflation in selected European countries, 2004
- Table 98: GINI Coefficient for selected European countries, 2003
- Table 99: Population distribution according to age group in Turkey, 2004
- Table 100: Mortgage balances outstanding as a ratio of GDP for selected
European countries, 2004
- Table 101: Forecast of mortgage gross advances in Turkey, 2004-2010
- Table 102: GDP growth in Austria, 2001-2004
- Table 103: Labor statistics in Austria, 2000-2004
- Table 104: Number of dwellings in Austria, 2000-2003
- Table 105: House price growth in Austria, 2000-2004
- Table 106: Typical mortgage interest rates in Austria, Q1 2003-Q1 2005
- Table 107: Residential mortgage balances outstanding in Austria,
2001-2005
- Table 108: Residential net lending in Austria, 2001-2005
- Table 109: Residential mortgage gross advances in Austria, 2001-2005
- Table 110: Market share by type of banking institution, 2004
- Table 111: Market share of top five competitors in the Austrian market
by balances outstanding, 2004
- Table 112: Unemployment rate in the Benelux, 2001-2005
- Table 113: Total dwelling stock in the Benelux region split by country,
1999-2003
- Table 114: Owner occupation rate in the Benelux region by country,
2001/2002
- Table 115: Annual house price growth in the Benelux region by country,
1996-2003
- Table 116: Average price per 100 square metres of building land in
Luxembourg, 1998-2003
- Table 117: Typical mortgage interest rates in the Benelux region by
country and 3-months EURIBOR, Q1 2003 - Q1 2005
- Table 118: Mortgage balances outstanding in the Benelux region by
country, 2001-2005e
- Table 119: Net mortgage lending in the Benelux region, 2001-2005e
- Table 120: Mortgage gross advances in the Benelux region by country,
2001-2005e
- Table 121: Mortgage gross advances in the Belgian residential market
split by product line, 2001-2004
- Table 122: Market share of gross advances in the Belgian market by
player type, 2005
- Table 123: Mortgage gross advances by Monetary Financial Institutions in
the Dutch mortgage market split by interest rate type, 2003-2005
- Table 124: Population numbers and demographic splits in France and other
major European countries, 2004
- Table 125: The percentage of people over the age of 20 in the major
European countries, 2004
- Table 126: GDP at current rates across major European countries , 2004
- Table 127: GDP per capita at current rates across major European
countries, 2001-2004
- Table 128: GDP growth rates, 2001 - 2004
- Table 129: Distribution of income across major European countries
demonstrated by GINI Coefficient, 2003
- Table 130: Trends in average house price growth in the French
residential mortgage market, 1997-2005
- Table 131: Typical mortgage interest rates in France, 2003-2005Q1
- Table 132: Mortgage gross advances and balances outstanding in the
French mortgage market, 2001-2005e
- Table 133: Market shares of home loans by legal categories, 2001-2003
- Table 134: Net lending in the French mortgage market, 2001-2005e
- Table 135: GDP at current rates across major European countries, 2004
- Table 136: GDP growth rates constant to 1995, 2001-2004
- Table 137: Demographic data in Germany and other major European
countries, 2004
- Table 138: Proportion population aged over 20 in the major European
countries, 2004
- Table 139: Number of dwellings in Germany, 2000-2003
- Table 140: House price growth in Germany, 2000-2004
- Table 141: Labor statistics in Germany, 2000-2004
- Table 142: Residential mortgage balances outstanding in Germany,
2001-2005
- Table 143: Residential mortgage gross advances in Germany, 2001-2005
- Table 144: Net lending in Germany, 2001-2005
- Table 145: Typical mortgage interest rates in Germany, Q1 2003-Q1 2005
- Table 146: Market share of top five competitors in the German
residential mortgage market in balances outstanding, 2004
- Table 147: Population numbers and demographic splits in Greece and other
major European countries, 2004
- Table 148: The percentage of people over the age of 20 in the major
European countries, 2004
- Table 149: GDP at current rates across major European countries , 2004
- Table 150: GDP growth rates, 2001 - 2004
- Table 151: Unemployment rate in Greece , 1998-2004
- Table 152: Distribution of income across major European countries
demonstrated by GINI Coefficient, 2003
- Table 153: Total dwelling stock in the Greek residential mortgage
market, 1999-2003
- Table 154: House price growth in Greek residential mortgage market,
1996-2004
- Table 155: Typical mortgage interest rates in the Greek residential
market, Q1 2003- Q1 2005
- Table 156: Mortgage balances outstanding in the Greek residential
mortgage market, 2001-2005e
- Table 157: Net lending in the Greek residential mortgage market,
2001-2005e
- Table 158: Mortgage gross advances in the Greek residential mortgage
market, 2003-2005e
- Table 159: Population numbers and demographic splits in Spain and other
major European countries, 2004
- Table 160: The percentage of people over the age of 20 in the major
European countries, 2004
- Table 161: Distribution of income across major European countries
demonstrated by GINI Coefficient, 2003
- Table 162: Unemployment rate in Ireland, 1998-2005
- Table 163: Total dwelling stock in Ireland, 1999-2003
- Table 164: Average house price growth in Ireland split by new and
second-hand houses, 1995-2004
- Table 165: Typical mortgage interest rates in the Irish residential
market, Q1 2003-Q1 2005
- Table 166: Mortgage balances outstanding in the Irish mortgage market,
2001-2005
- Table 167: Net mortgage lending in the Irish residential market,
2002-2005
- Table 168: Mortgage gross advances, number of mortgage loans and average
mortgage loan amount in the Irish residential market, 2001-2005e
- Table 169: GDP growth in Italy, 2001-2004
- Table 170: Labour statistics in Italy, 2000-2004
- Table 171: Number of dwellings in Italy, 2000-2003
- Table 172: House price growth in Italy, 2000-2004
- Table 173: Typical mortgage interest rates in Italy, Q1 2003-Q1 2005
- Table 174: Residential mortgage balances outstanding in Italy, 2001-2005
- Table 175: Residential net lending in Italy, 2001-2005
- Table 176: Residential mortgage gross advances in Italy, 2001-2005
- Table 177: Market share of top five competitors in the Italian market by
balances outstanding, 2004
- Table 178: GDP growth in the Nordics, 2001-2004
- Table 179: Segmentation of liquid assets in Nordic region, 2004
- Table 180: Labor statistics in the Nordics, 2000-2004
- Table 181: House price growth in the Nordics, 2000-2004
- Table 182: Residential mortgage balances outstanding in the Nordics,
2001-2005
- Table 183: Residential mortgage net lending in the Nordics, 2001-2005e
- Table 184: Residential mortgage gross advances in the Nordics, 2001-2005e
- Table 185: Market share of top five competitors in the Nordics in terms
of balances outstanding, 2004
- Table 186: Mortgage balances outstanding in Portugal, 2001-2005e
- Table 187: Mortgage gross advances in Portugal, 2001-2005e
- Table 188: Mortgage net lending in Portugal, 2001-2005e
- Table 189: Housing stock in Portugal, 2000-2003
- Table 190: Percentage change of GDP from the previous year, 2000-2004
- Table 191: Total Spanish dwelling stock, 2000-2003
- Table 192: Rate of unemployment in Spain, 2000-2004
- Table 193: Mortgage balances outstanding in Spain, 2001-2005
- Table 194: Net lending in Spain, 2001-2005
- Table 195: Mortgage gross advances in Spain, 2001-2005e
- Table 196: GDP growth in Turkey, 2000-2004
- Table 197: CPI based inflation in Turkey, 2000-2004
- Table 198: Labor statistics in Turkey, 2000-2004
- Table 199: Residential mortgage balances outstanding in Turkey, 2001-2005
- Table 200: Residential mortgage gross advances in Turkey, 2001-2005
- Table 201: Market share of top five competitors in the Turkish
residential mortgage market in terms of balances outstanding, 2004
- List of Figures
- Figure 1: A snapshot of key statistics in Austria, 2004
- Figure 2: Between 2003 and 2004 Austria's economy expanded rapidly, 2001
- 2004
- Figure 3: Unemployment in Austria has been rising in recent years,
2001-2005
- Figure 4: The housing stock in Austria has been rising steadily,
2000-2003
- Figure 5: House prices have been fluctuating in Austria, 2000-2004
- Figure 6: Mortgage interest rates in Austria have been falling gradually
due to increased competition, Q1 2003 - Q1 2005
- Figure 7: Mortgage balances outstanding in Austria have grown
consistently in recent years, 2001-2005
- Figure 8: Residential net lending have been fluctuating, 2001-2005
- Figure 9: Mortgage gross advances have been growing in recent years,
2001-2005
- Figure 10: The seven pillars of Austrian retail banking, 2006
- Figure 11: The Bausparkassen are the leading residential mortgage
lenders in the Austrian market, 2004
- Figure 12: Regulatory overview of Austria, 2006
- Figure 13: The Sparkassen have the largest market share of the Austrian
mortgage market, 2004
- Figure 14: Mortgage gross advances in Austria are predicted to continue
to rise gradually, 2001-2010f
- Figure 15: SWOT analysis of the Austrian mortgage market, 2006
- Figure 16: A snapshot of the Benelux's key statistics, 2004
- Figure 17: Of the Benelux nations, Luxembourg's economy has been
expanding at the fastest rate, 2001-2004
- Figure 18: Belgium has the highest unemployment rate in the Benelux
region, 2001-2005
- Figure 19: Dwelling stock in the Benelux has remained static over the
years, 1999-2003
- Figure 20: The number of new builds in the Netherlands on a yearly basis
is significantly below historical trends, 1995-2004
- Figure 21: Luxembourg and Belgium have a high level of home ownership,
2001/2002
- Figure 22: House price growth in the Netherlands has slowed
significantly, 1996-2003
- Figure 23: The price of building land in Luxembourg has more than
doubled from 1998 to 2003
- Figure 24: Typical mortgage rates have gone down, Q1 2003-Q1 2004
- Figure 25: The Netherlands is the major contributor to mortgage balances
outstanding in the Benelux region, 2001-2005e
- Figure 26: All countries in the Benelux region witnessed an increase in
net lending over the last five years, 2001-2005e
- Figure 27: Gross advances in the Benelux picked up again in 2005, after
recording a slower growth rate in 2004, 2001-2005e
- Figure 28: Remortgaging in the Belgian mortgage market has grown in
importance in the last couple of years, 2001-2004
- Figure 30: Home improvement accounts for the vast majority of equity
withdrawal, while debt consolidation accounts for just 6 per cent of the
market, 2003
- Figure 31: Credit institutions advanced 91.2 per cent of gross advances
in the Belgian mortgage market in 2005
- Figure 32: Banks are the major player type in the Dutch mortgage market,
2005
- Figure 33: Regulatory structure of the Belgian Banking market, 2005
- Figure 34: Regulatory overview of the Netherlands, 2005
- Figure 35: Regulatory overview of Luxembourg, 2005
- Figure 36: Rabobank is the largest mortgage lender in the Benelux
region, 2003-2004
- Figure 37: 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 38: 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 39: A snapshot of France's key statistics, 2004
- Figure 40: France has the second highest population in Europe, 2004
- Figure 41: France has the lowest proportion of population over the age
of 20 in Europe, 2004
- Figure 42: France has the second highest GDP in Europe, 2004
- Figure 43: France has enjoyed a period of positive economic growth from
2000 to 2004
- Figure 44: The French economy is dominated by the services sector, 2004
- Figure 45: France has the second lowest GINI index of 27.00 in Europe,
2003
- Figure 46: No new dwellings were built during 2003, 1999 to 2003
- Figure 47: France has an owner occupation rate of 56 per cent, 2002
- Figure 48: 37.5 per cent of owner occupiers hold a mortgage
- Figure 49: After reaching a peak in 2004, average house price growth
slowed in 2005, 1997-2005
- Figure 50: Typical mortgage rates in France have been declining,
2003Q1-2005Q1
- Figure 51: Mortgage balances outstanding in the French residential
market reached an estimated €484.2 billion in 2005, 2001-2005e
- Figure 52: Net mortgage lending has grown steadily, 2001-2005e
- Figure 53: Mortgage dept to GDP reached 26.3 per cent in 2004, 2000 -
2004
- Figure 54: Mortgage gross advances in the French residential market have
grown significantly over the last five years, 2001-2005e
- Figure 55: Remortgaging accounted for roughly 40 per cent of gross
advances in the French mortgage market in 2005
- Figure 56: The three pillars of the French banking structure
- Figure 57: Market shares of home loans within the various legal
categories have remained stable over the last few years, 2001-2003
- Figure 58: The mortgage distribution structure in France, 2006
- Figure 59: Regulatory overview of France, 2004
- Figure 60: Credit Agricole is by far the leader in the French mortgage
market, 2003-2004
- Figure 61: Main merger and acquisition activities in the French market,
1996-2004
- Figure 62: Gross advances are forecast to reach €210.4 billion in 2010,
2004-2010f
- Figure 64: Germany has the highest GDP across the major European
countries, 2004
- Figure 65: The GDP growth rate in Germany has decreased the most in
comparison to the major European countries, 2000-2004
- Figure 66: The German economy is dominated by the services sector, 2002
- Figure 67: Germany has a relatively low GINI Coefficient in comparison
to other major European countries, 2003
- Figure 69: Germany has the fourth highest percentage of population over
the age of 20 after Italy Spain and Greece, 2004
- Figure 70: Unemployment in Germany has been on the rise, 2000-2004
- Figure 71: The housing stock in Germany has been rising steadily,
2000-2003
- Figure 72: House prices in Germany have risen weakly and even fell in
2001, 2000-2004
- Figure 73: Mortgage interest rates have fluctuated in Germany, however
the overall trend has been downwards, Q1 2003 - Q1 2005
- Figure 74: Residential mortgage balances outstanding in Germany have
remained almost level in recent years, 2001-2005
- Figure 75: Net lending has been falling in Germany in recent years,
2001-2005
- Figure 76: Mortgage gross advances fell sharply in 2005 having
fluctuated in recent years, 2001-2005
- Figure 77: The three pillars of German banking, 2005
- Figure 78: Banking groups in the three pillars, 2005
- Figure 79: The savings banks and mortgage banks dominate the residential
mortgage market in Germany, 2002
- Figure 80: The majority of residential mortgages in Germany are
distributed via the banks branch networks, 2001
- Figure 81: Regulatory overview of Germany, 2006
- Figure 82: The Sparkassen have the largest market share of the mortgage
market in Germany, 2004
- Figure 83: Overview of main mergers in the German banking sector,
1998-2005
- Figure 84: Mortgage gross advances in Germany are predicted to continue
to rise rapidly, 2001-2010
- Figure 85: SWOT analysis of the German mortgage market, 2006
- Figure 86: A snapshot of Greece's key statistics, 2004
- Figure 87: Greece's population is of similar size to that of Belgium,
2004
- Figure 88: Greece has the second lowest GDP in 2004
- Figure 89: Greece recorded the highest GDP growth, 2001 to 2004
- Figure 90: The Greek economy is dominated by the services sector, 2005
- Figure 91: Among the selection of countries shown, Greece had the third
highest GINI coefficient in 2003
- Figure 92: Greece has a history of high unemployment, 1998-2004
- Figure 93: Greek's dwelling stock reached 5,542 million in 2003,
1999-2003
- Figure 94: At 80 per cent in 2003, Greece has one of the highest owner
occupation rates in Europe
- Figure 95: 75 per cent of Greek homeowners generally buy their home
outright, 2004
- Figure 96: After witnessing impressive house price growth during the
last decade, growth has slowed over the last couple of years, 1996-2004
- Figure 97: Typical mortgage interest rates in the Greek residential
market dropped from 4.58 per cent in Q1 2003 to 4.15 per cent in Q1 2005, Q1
2003-Q1 2005
- Figure 98: Mortgage balances outstanding grew at a CAGR of 28.3 per cent
from 2001 to 2005e
- Figure 99: Net lending in the Greek residential mortgage market has
grown strongly, 2001-2005e
- Figure 100: Mortgage gross advances in the Greek residential market
reached an estimated €11.7 billion in 2005, 2003-2005e
- Figure 101: There are basically two types of player in the Greek retail
banking sector , 2006
- Figure 102: Commercial banks have strengthened their share of the
mortgage market over the years, 2000-2004
- Figure 103: Regulatory overview of Greece, 2006
- Figure 104: National Bank of Greece is the leader in the Greek
residential mortgage market, 2003-2004
- Figure 105: Mergers and acquisitions in the Greek banking market,
1999-2002
- Figure 106: Gross advances in the Greek residential mortgage market will
grow at a CAGR of 18.1 per cent to reach €29.2 billion in 2010, 2004-2010f
- Figure 107: A snapshot of Ireland's key statistics, 2004
- Figure 108: Ireland has one of the smallest populations in Europe, 2004
- Figure 109: Ireland has the smallest economy among the sample of
European countries shown, 2004
- Figure 110: Services and Agricultural sectors are the major contributors
to Ireland's GDP, 2002
- Figure 111: Ireland has a relatively high GINI Coefficient, 2003
- Figure 112: Ireland has a very low unemployment rate, 1998-2005
- Figure 113: Dwelling stock in the Irish residential mortgage market has
been growing steadily, 1999-2003
- Figure 114: Ireland has a high owner-occupation rate, 2002
- Figure 115: The Irish property market continues to witness strong growth
in house prices, 1995-2004
- Figure 116: The typical mortgage interest rates have dropped from 3.98
per cent in Q1 2003 to 3.47 per cent in Q1 2005, Q1 2003- Q1 2005
- Figure 117: Mortgage balances outstanding in the Irish market reached
€94.3 billion in 2005, 2001-2005
- Figure 118: Net mortgage lending in the Irish mortgage market has grown
significantly over 2001 level, 2001-2005
- Figure 119: Mortgage gross advances in the Irish residential market
reached €20.6 billion in 2005, 2001-2005e
- Figure 120: The number of mortgage loans advanced in the Irish mortgage
market rose from 66,786 in 2001 to reach an estimated 107,923 in 2005,
2001-2005e
- Figure 121: The average value of a mortgage loan rose from €114,755 in
2001 to €190,187 in 2005, 2001-2005e
- Figure 122: There are basically two types of financial institutions in
the Irish banking industry, 2006
- Figure 123: Regulatory overview of Ireland, 2006
- Figure 124: Bank of Ireland is the leader in the Irish mortgage market,
2004
- Figure 125: Gross advances in the Irish residential mortgage market will
grow at a CAGR of 8.2 per cent over the next five years, 2004-2010f
- Figure 127: Between 2003 and 2004 Italy's economy picked-up, 2001 - 2004
- Figure 128: Unemployment in Italy has been falling in recent years,
2000-2004
- Figure 129: The housing stock in Italy has been rising steadily,
2000-2003
- Figure 130: House prices in Italy have been rising continually; however,
the rate of increase fell in 2004, 2000-2004
- Figure 131: Mortgage interest rates have fluctuated in Italy, however
the overall trend has been downwards, Q1 2003-Q1 2005
- Figure 132: Residential mortgage balances outstanding in Italy have
grown rapidly in recent years, 2001-2005
- Figure 133: Residential lending has been rising fast in Italy, however,
there was a fall in 2005, 2001-2005
- Figure 134: There was a sharp decline in residential mortgage gross
advances in 2004, 2001-2005
- Figure 135: The three pillars of Italian banking, 2004
- Figure 136: Conceptual illustration of distribution in the Italian
mortgage market, 2006
- Figure 137: Regulatory overview of Italy, 2006
- Figure 138: Banca UniCredito is the largest provider of residential
mortgage loans to consumers in Italy, 2004
- Figure 139: Main mergers in Italy, 1998 - 2005
- Figure 140: Mortgage gross advances in Italy are predicted to continue
to rise rapidly, 2001-2010f
- Figure 141: SWOT analysis of the Italian mortgage market, 2006
- Figure 142: A snapshot of the Nordic's key statistics, 2004
- Figure 143: Between 2003 and 2004 all of the Nordic countries saw
increased growth of their economies, 2001 - 2004
- Figure 144: Sweden has the highest level of liquid assets in the Nordic
region, 2004
- Figure 145: Unemployment in the Nordics has been rising in recent years,
however, 2004 saw a fall, 2000-2004
- Figure 146: Increases in house prices in the Nordics have been
fluctuating in recent years, 2000-2004
- Figure 147: Residential mortgage outstanding balances have been rising
steadily in recent years, 2001-2005e
- Figure 148: On the whole net lending has increased from 2001-2005e
- Figure 149: Residential mortgage advances have been rising in the
Nordics, 2001-2005
- Figure 150: The four pillars of Nordic Banking, 2006
- Figure 151: Regulatory overview of Denmark, 2004
- Figure 152: Regulatory overview of Finland, 2004
- Figure 153: Regulatory overview of Norway, 2004
- Figure 154: Regulatory overview of Sweden, 2004
- Figure 155: Danske Bank has the largest market share of the residential
mortgage market in the Nordics, 2004
- Figure 156: Mergers and acquisitions of banks by the top five
residential mortgage providers in the Nordics, 1997-2005
- Figure 157: Mortgage gross advances in the Nordics are predicted to
continue to rise rapidly, 2001-2010Figure 158: SWOT analysis of the Nordic
mortgage market, 2006
- Figure 159: A snapshot of Portugal's key statistics, 2004
- Figure 160: GDP growth in Portugal began to rise in 2004 after a period
of decline, 2001-2004
- Figure 161: Unemployment in Portugal has risen in recent years, 2000-2004
- Figure 162: The housing stock in Portugal continues to grow, but not as
quickly as before, 2000-2003
- Figure 163: Mortgage balances outstanding have grown steadily in
Portugal, 2001-2005
- Figure 164: Net lending in Portugal has been mixed, 2001-2005
- Figure 165: Mortgage gross advances have seen a mixed performance,
2001-2005
- Figure 166: The structure of the Portuguese banking industry, 2005
- Figure 167: Virtually all mortgages are distributed directly in Portugal
- Figure 168: Regulatory overview of Portugal, 2004
- Figure 169: Caixa Geral de Depósitos is the leading mortgage lender in
Portugal, 2004
- Figure 170: Mergers and acquisitions in the Portuguese banking sector,
2000-2005
- Figure 171: Datamonitor forecasts slow growth in the Portuguese mortgage
market, 2000-2009f
- Figure 172: A snapshot of Spain's key statistics, 2004
- Figure 173: GDP growth in Spain slowed in 2000 and 2001, but has since
recovered, 2000-2004
- Figure 174: The services sector is the greatest contributor to Spanish
GDP, 2004
- Figure 175: The rate of unemployment in Spain remains high, 2000-2004
- Figure 176: The Spanish housing stock continues to grow strongly,
2000-2003
- Figure 177: House prices in Spain continue to grow at exceptionally high
levels, 2000-2004
- Figure 178: Mortgage balances outstanding in Spain have seen exceptional
growth in the last five years, 2001-2005
- Figure 179: Net lending in Spain has seen strong growth, 2001-2005
- Figure 180: Mortgage lending gross advances have grown strongly,
2001-2005e
- Figure 181: The three pillars of Spanish banking, 2005
- Figure 182: Examples of banks in each of the three pillars, 2005
- Figure 183: Mortgage distribution in Spain
- Figure 184: Regulatory overview of Spain, 2005
- Figure 185: BBVA and La Caixa are the leading mortgage lenders in Spain,
2004
- Figure 187: Datamonitor forecasts a gradual slowdown of the Spanish
mortgage market, 2000-2010f
- Figure 188: A snapshot of Turkey's key statistics, 2004
- Figure 189: The performance of Turkey's economy has fluctuated
experiencing a major recession in 2001, 2000- 2004
- Figure 190: After peaking in 2001, inflation in Turkey has fallen,
2000-2004
- Figure 191: Unemployment has been rising in recent years, 2000-2004
- Figure 192: Mortgages balances outstanding in Turkey increased nearly
5-fold, 2001-2005
- Figure 193: Prior to 2005, net lending had been rising fast in Turkey,
2001-2005
- Figure 194: Gross advances of mortgages has been rising rapidly in
Turkey, the greatest increase occurred most recently in 2005, 2001-2005
- Figure 195: The three pillars of Turkish commercial banking, 2006
- Figure 196: Conceptual illustration of distribution in the Turkish
mortgage market, 2006
- Figure 197: Regulatory overview of Turkey, 2005
- Figure 198: IS Bankasi is the largest provider of mortgage loans to
consumers in Turkey, 2004
- Figure 199: Gross advances of mortgages in Turkey are predicted to
continue to rise rapidly, 2001-2010
- Figure 200: SWOT analysis of the Turkish mortgage market, 2006
- Figure 201: The UK Mortgage Market Map covers a wide range of mortgage
sectors
- Figure 202: Mortgage sectors covered within the UK Mortgage Market Map
- Figure 203: Datamonitor's core consulting capabilities
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