Abstract
Overview
Introduction
A rise in dwelling housing stock in the past three years coupled with tighter
lending conditions have slowed the growth of the French mortgage market. What
are the current issues facing this market? How are housing policies affecting
its performance? Who are the biggest lenders? What will be the size of the
sector in the next five years? This report provides the answers.
Scope
- Covers the residential mortgage market.
- Provides market sizing data in terms of gross advances and balances
outstanding.
- Provides competitor market share for the top five players in terms of
balances outstanding.
- Looks at housing policies, regulations and issues in the mortgage market.
Report Highlights
Prior to the fourth quarter of 2005, typical mortgage interest rates decreased
in France by 0.85 percentage points from 4.35% in the third quarter of 2004 to
3.5% in the fourth quarter of 2005. However, typical mortgage rates have been
on the increase since then, reaching 4.3% in the second quarter of 2007.
Unsurprisingly, while mortgage interest rates fell significantly in the
2003-05 period, remortgaging became more popular in the French mortgage
market. However, the increase in mortgage interest rates since early 2006 has
slowed down this upward trend in remortgaging.
Mutual and co-operative banks and commercial banks held a share of 53.6% and
34.6% respectively in terms of home loans balances at the end of 2006.
Reasons to Purchase
- Learn how the French residential mortgage market has developed over the
last five years.
- Understand the recent developments in the mortgage market in terms of
regulations and competitor shares.
- Find out Datamonitor' s opinion on the future performance of the French
mortgage market over the next five years and its future prospects.
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