Mortgages in France 2007 (Market Guide)

Table of Contents

• Overview
  • Catalyst
  • Summary
• Executive Summary
  • Market size
  • Market forecasts
  • Key issues
  • Key market players
• Table of Contents
• Table of figures
• Table of tables
• Market Context
  • Country overview
    • Demographics data on a selection of major western European countries
      • Population
      • Economy
    • 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 crédit municipal)
      • The French banking structure is more complex than it seems
      • Finance houses are important players in the retail finance market
    • Mortgage market structure
      • Mortgage market share by type of player
      • Funding
      • Distribution
  • Regulatory environment
    • Industry regulators
      • Banque de France
      • Commission Bancaire
      • The CECEI
      • The CRBF
    • Industry associations
      • Groupement des Cartes Bancaires
      • The Association Française des Etablissements de Crédit et des Entreprises d' Investissements
      • The ASF
      • The FBF
      • Other noteworthy associations
    • Credit bureaus
    • Regulatory issues and developments in the mortgage market
      • The birth of an integrated European mortgage market is still very far off
      • Basel II will mean a number of changes for lenders
      • Recent national mortgage-related legislation
  • Key issues in the mortgage market
• Competitor and Product Overview
  • Top five mortgage lenders
    • Market share by balances outstanding
  • Product analysis
    • Typical product characteristics
• Market Forecasts
  • Forecasting gross advances
    • Gross advances in the French residential mortgage market will reach €235.9 billion in 2011
  • Future prospects
    • Market attractiveness
    • Market inhibitors
• APPENDIX
  • Supplementary data
    • Tables relating to Chapter 2: Market Context
  • Definitions
    • Balances outstanding
    • CAGR
    • Capped mortgage
    • Equity release
    • Fixed rate mortgage
    • Gross advances
    • Loan-to-value (LTV)
    • Mortgage intermediary
    • Remortgaging
    • Variable mortgage
  • Forecasting methodology
  • Research methodology
  • Further reading
    • European Mortgages
  • Ask the analyst
  • Datamonitor consulting
  • Disclaimer
  • List of Tables
    • Table 1: Forecast of residential mortgage gross advances in the French market , 2005-11f, (€m)
    • Table 2: Total population across major western European countries, 2002-06
    • Table 3: GDP at current rates across major western European countries, 2002-06, (€bn)
    • Table 4: GDP per capita at current rates across major western European countries, 2002-06, (€)
    • Table 5: GDP growth rates across major western European countries, 2002-06, (%)
    • Table 6: GDP composition by sector across major western European countries, 2006, (%)
    • Table 7: Inflation across major European countries, 2002-06, (%)
    • Table 8: Unemployment rates across major western European countries, 2002-06, (%)
    • Table 9: Age of France' s dwelling stock, 2002
    • Table 10: Residential mortgage balances outstanding compared to GDP of selected European countries, 2006
    • Table 11: Main players under each pillar in the French banking industry, 2007
    • Table 12: Examples of finance houses in France, 2007
    • Table 13: Market share of the top five competitors in the French residential mortgage market in terms of balances outstanding, 2005-06
    • Table 14: Forecast of residential mortgage gross advances in the French market, 2005-11f, (€m)
    • Table 15: Total dwelling stock in France, 1999-03, (000s)
    • Table 16: Average house price growth in the French residential mortgage market, 2002-06
    • Table 17: Typical mortgage interest rates in the French residential market and ECB base rates, Q3 2004-Q4 2006, (%)
    • Table 18: Mortgage gross advances and balances outstanding in the French mortgage market, 2002-06, (€m)
    • Table 19: Market shares of home loans in France by legal categories, 2004-06
    • Table 20: Net lending in the French mortgage market, 2002-06, (€)
  • List of Figures
    • Figure 1: Gross advances have been growing steadily in France, 2002-06
    • Figure 2: Crédit Agricole is by far the leader in the French mortgage market, 2005-06
    • Figure 3: A snapshot of France' s key statistics, 2006
    • Figure 4: Housing stock in France grew slowly between 1999 and 2003
    • Figure 5: France has an owner-occupation rate of 56%, 2002
    • Figure 6: After reaching a peak in 2004, average house price growth in France slowed in 2005 and 2006
    • Figure 7: Typical mortgage interest rates in France stood at 3.90% in the fourth quarter of 2006
    • Figure 8: Mortgage balances outstanding have experienced strong growth in France, 2002-06
    • Figure 9: Net mortgage lending in France reached €74.2 billion in 2006, 2002-06, (€m)
    • Figure 10: Gross advances have been growing steadily in France, 2002-06
    • Figure 11: Remortgaging accounted for roughly 35% of gross advances in the French mortgage market in 2006
    • Figure 12: The three pillars of the French banking structure, 2007
    • Figure 13: Commercial banks in France have slightly increased their market shares of home loans over the last few years
    • Figure 14: Regulatory overview of France, 2007
    • Figure 15: Crédit Agricole is by far the leader in the French mortgage market, 2005-06
    • Figure 16: Gross advances in France are forecast to reach €235.9 billion in 2011