Mortgages in Germany 2007 (Market Guide)

STANDARD DESCRIPTION:

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.

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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