Abstract
Overview
Introduction
The level of gross advances in the German residential mortgage market has
fluctuated in recent years. 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
The significant fall in gross advances between 2004 and 2005 means that new
lending in the German mortgage market has contracted in the last five years at
a CAGR of -7.7%.
The housing market, like the economy, has remained flat in recent years. With
house prices flat or falling for almost a decade, there has been little or no
additional housing equity to push up personal consumption or to enable
sustained equity withdrawals by owner-occupiers or landlords.
Germany' s mortgage debt ratio as a percentage of GDP stood at 51.3% at the end
of 2006. This is despite the low level of owner-occupation seen in Germany.
Reasons to Purchase
- Learn how the German 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 German
residential mortgage market over the next five years and its future prospects.
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