Mortgages in Sweden 2007 (Market Guide)

Table of Contents

• Overview
  • Catalyst
  • Summary
• Executive Summary
  • Market size
  • 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
      • Housing stock
      • House prices
  • Government housing intervention
    • Taxes, subsidies and housing schemes
  • Market data
    • Mortgage interest rates
      • Balances outstanding
      • Gross advances
    • Product lines
  • Market structure
    • Structure of the Swedish retail banking market
      • Commercial banks
      • Foreign banks
      • Savings banks
      • Co-operative banks
      • Mortgage banks
    • Mortgage market structure
      • Market share of player types
      • Funding
      • Distribution
  • Regulatory environment
    • Industry regulators
      • The Riksbank (Bank of Sweden)
      • Finansinspektionen
    • Industry associations
      • Svenska Bankföreningen
      • Statens bostadskreditnämnd (BKN)
      • Other noteworthy associations
    • Credit bureaus
    • 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
      • Basel II will mean a number of changes for lenders
      • National mortgage-related regulations
  • Key issues
• Competitor and Product Overview
  • Top five mortgage lenders
    • Market share by balances outstanding
  • Product analysis
• Market Forecasts
  • Forecasting gross advances
    • Datamonitor forecasts continuous growth for the Swedish mortgage market
  • Future prospects
    • Market attractiveness
    • Market inhibitors
• Appendix
  • Supplementary data
    • Tables relating to Chapter 2: Market Context
  • Definitions
    • Balances outstanding
    • CAGR
    • Fixed rate mortgage
    • Flexible mortgage
    • Gross advances
    • Loan-to-value (LTV)
    • Mortgage intermediary
    • Remortgaging
    • Tied agent
    • Unemployment rate
    • 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 theSwedish market , 2005-11f, (€m)
    • Table 2: Total population across major western European countries, 2002-06
    • Table 3: GDP at current rates across major western Europeancountries, 2002-06, (€ billions)
    • Table 4: GDP per capita at current rates across major westernEuropean 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 Sweden' s dwelling stock, 2002
    • Table 10: Residential mortgage balances outstanding as a percentage of GDP of selected European countries, 2006
    • Table 11: Market share of top five competitors in Sweden interms of balances outstanding, 2005-06, (€m)
    • Table 12: Forecast of residential mortgage gross advances in theSwedish market , 2005-11f, (€m)
    • Table 13: Total housing stock in Sweden, 2001-05, (000s)
    • Table 14: Average house price growth in Sweden, 2002-06
    • Table 15: Typical mortgage interest rates in the Swedish residential market and central bank lending rates, Q3 2004-Q4 2006
    • Table 16: Residential mortgage balances outstanding in Sweden,2002-06, (€m)
    • Table 17: Residential net mortgage lending in Sweden, 2002-06, (€m)
    • Table 18: Residential mortgage gross advances in Sweden,2002-06, (€m)
  • List of Figures
    • Figure 1: After rising significantly in recent years, gross mortgage advances in Sweden fell in 2006, 2002-06
    • Figure 2: Swedbank was the largest mortgage lender in Sweden in 2006, 2005-06
    • Figure 4: A snapshot of Sweden' s key statistics, 2006
    • Figure 4: The dwelling stock in Sweden reached 4.4 million in 2005, 2001-05
    • Figure 5: Sweden has a low owner-occupier rate at 42%, 2006
    • Figure 6: Average house price growth in the Swedish market was 10.6% in 2006, 2002-06
    • Figure 7: Typical mortgage interest rates stood at 3.63% in the fourth quarter of 2006, Q3 2005-Q4 2006
    • Figure 8: Total mortgage balances outstanding reached €175.8billion at year-end 2006, 2002-06
    • Figure 9: Net mortgage lending rose from €8.2 billion to €19.9billion from 2002-06
    • Figure 10: After rising significantly in recent years, gross mortgage advances in Sweden fell in 2006, 2002-06
    • Figure 11: The four pillars of Swedish Banking, 2007
    • Figure 12: HCIs are the major type of mortgage player in the Swedish market, representing 87.4% of balances outstanding at the end of 2006
    • Figure 13: Regulatory overview of Sweden, 2007
    • Figure 14: Swedbank was the largest mortgage lender in Sweden in 2006
    • Figure 15: Gross mortgage lending in Sweden is expected to pick up again in 2007 after a small dip in 2006