Market Research Logo

Global Housing Mortgage Market in China 2016-2020

Global Housing Mortgage Market in China 2016-2020

About Housing Mortgage

A mortgage is a debt instrument that borrowers can use to secure collateral for any specific real estate property. By taking a loan, the borrower and business firm can execute real estate deal in a single payment. While the lender releases the entire value of the real estate purchase, the borrower repays the loan amount in fixed sets of payment within fixed tenure. If the borrowers default then, the bank or lenders can evict the tenants and sell the house to clear the mortgage debt.

In a fixed rate mortgage (FRM) system, the borrowers pay the same interest rate until the maturity of the loan, which is between 15 and 30 years. Even if the interest rates go up, the borrower continues to pay the fixed interest in the FRM system. However, if the market interest rates decline significantly, the borrowers may be able to secure a lower rate by refinancing the mortgage. In an adjustable rate mortgage (ARM) system, the interest rate is fixed for an initial term, but after that, it fluctuates in line with prevalent rates.

Technavio’s analysts forecast the global housing mortgage market to grow at a CAGR of 3.95% during the period 2016-2020.

Covered in this report

The report covers the present scenario and the growth prospects of the global housing mortgage market for 2016-2020. To calculate the market size, the report considers the global residential loan value from 37 major companies spread across EMEA, APAC, and the Americas.Technavio's report, Global Housing Mortgage Market 2016-2020, has been prepared based on an in-depth market analysis with inputs from industry experts. The report covers the market landscape and its growth prospects over the coming years. The report also includes a discussion of the key vendors operating in this market.

Key vendors

  • Bank of China
  • China Construction Bank
  • HSBC
  • Wells Fargo
Other prominent vendors
  • Agricultural Bank of China
  • Australia and New Zealand Banking Group
  • Banco Bilbao Vizcaya Argentaria
  • Bank of America
  • Bank of Communications
  • Bank of Tokyo-Mitsubishi
  • Barclays
  • BNP Paribas
  • China Development Bank
  • China Merchants Bank
  • Citibank
  • Commerzbank
  • Commonwealth Bank of Australia
  • Credit Agricole
  • Credit Suisse
  • Deutsch Bank
  • Industrial and Commercial Bank of China
  • Industrial Bank
  • ING Vysya Bank
  • Japan Post Bank
  • JPMorgan Chase
  • National Australia Bank
  • Nordea Bank
  • Rabobank
  • Royal Bank of Canada
  • Royal Bank of Scotland
  • Santander
  • Scotiabank
  • Shanghai Pudong Development Bank
  • Societie Generale
  • Standard Chartered
  • Toronto-Dominion Bank
  • UniCredit
Market driver
  • Investors' assets diversification and low housing loan interest
  • For a full, detailed list, view our report
Market challenge
  • Lack of transparency in housing mortgage loans
  • For a full, detailed list, view our report
Market trend
  • Opportunity for buyers and investors
  • For a full, detailed list, view our report
Key questions answered in this report
  • What will the market size be in 2020 and what will the growth rate be?
  • What are the key market trends?
  • What is driving this market?
  • What are the challenges to market growth?
  • Who are the key vendors in this market space?
  • What are the market opportunities and threats faced by the key vendors?
  • What are the strengths and weaknesses of the key vendors?


Press Release

Technavio Announces the Publication of its Research Report – Global Housing Mortgage Market 2016-2020

Technavio recognizes the following companies as the key players in the Global Housing Mortgage Market: Bank of China, China Construction Bank, HSBC, and Wells Fargo.

Other Prominent Vendors in the market are: Agricultural Bank of China, Australia and New Zealand Banking Group, Banco Bilbao Vizcaya Argentaria, Bank of America, Bank of Communications, Bank of Tokyo-Mitsubishi, Barclays, BNP Paribas, China Development Bank, China Merchants Bank, Citibank, Commerzbank, Commonwealth Bank of Australia, Credit Agricole, Credit Suisse, Deutsch Bank, Industrial and Commercial Bank of China, Industrial Bank, ING Vysya Bank, Japan Post Bank, JPMorgan Chase, National Australia Bank, Nordea Bank, Rabobank, Royal Bank of Canada, Royal Bank of Scotland, Santander, Scotiabank, Shanghai Pudong Development Bank, Societie Generale, Standard Chartered, Toronto-Dominion Bank, and UniCredit.

Commenting on the report, an analyst from Technavio’s team said: “Competition for prime assets will intensify during the forecast period. The generation of wealth in the emerging economies will intensify competition for prime housing asset and investors may have to evolve new strategies to earn attractive returns. Such a situation may help develop housing assets in fast-growing, but higher risk emerging economies and specialize in the certain sectors during the forecast period.”

According to the report, implementation of enhanced internal risk management frameworks and underwriting standards of all housing mortgage loan originators and brokers will help in the enforcement of the prudential supervision. If we look at the different market scenario, the stringent verification process is being implemented by regulatory bodies worldwide where the borrowers can make higher down payments to guarantee good credibility and to lower the systemic risk.

Further, the report states that lack of transparency in housing mortgage loans hinders the market growth.

Companies Mentioned

Bank of China, China Construction Bank, HSBC, Wells Fargo, Agricultural Bank of China, Australia and New Zealand Banking Group, Banco Bilbao Vizcaya Argentaria, Bank of America, Bank of Communications, Bank of Tokyo-Mitsubishi, Barclays, BNP Paribas, China Development Bank, China Merchants Bank, Citibank, Commerzbank, Commonwealth Bank of Australia, Credit Agricole, Credit Suisse, Deutsch Bank, Industrial and Commercial Bank of China, Industrial Bank, ING Vysya Bank, Japan Post Bank, JPMorgan Chase, National Australia Bank, Nordea Bank, Rabobank, Royal Bank of Canada, Royal Bank of Scotland, Santander, Scotiabank, Shanghai Pudong Development Bank, Societie Generale, Standard Chartered, Toronto-Dominion Bank, UniCredit.

  • Executive summary
    • Highlights
  • Scope of the report
    • Market overview
      • Table List of banks considered while calculating market size
    • Top-vendor offerings
      • Table Products and services offerings
  • Market research methodology
    • Research methodology
    • Economic indicators
  • Introduction
    • Key market highlights
  • Market landscape
    • Market overview
      • Table Types of mortgage
    • Market size and forecast
      • Table Global residential loan value 2015-2020 ($ trillions)
    • Five forces analysis
      • Table Five forces analysis
  • Geographical segmentation
    • Segmentation of housing mortgage market by geography
      • Table Housing mortgage market share 2015
    • Residential loan value in APAC
      • Table Residential loan value in APAC 2015-2020 ($ trillions)
    • Residential loan value in Americas
      • Table Residential loan value in Americas ($ trillions)
    • Residential loan value in EMEA
      • Table Residential loan value in EMEA 2015-2020 ($ billions)
  • Market drivers
  • Impact of drivers
    • Table Impact of drivers
  • Market challenges
  • Impact of drivers and challenges
    • Table Impact of drivers and challenges
  • Market trends
  • Vendor landscape
    • Competitive landscape
      • Table Global refinancing housing mortgage rate 2014
    • Company overview
    • Company financials
      • Table Major vendor financials 2014
      • Table Market capitalization 2014 ($ trillions)
      • Table Dividend yield 2014
      • Table Price to earnings ratio 2014
      • Table Net interest spread 2014
  • Appendix
    • Other prominent vendors
      • Table Other prominent vendors
    • List of abbreviations
  • Explore Technavio

Download our eBook: How to Succeed Using Market Research

Learn how to effectively navigate the market research process to help guide your organization on the journey to success.

Download eBook

Share this report