住房抵押贷款市场规模预计将从 2023 年的 4.51 万亿美元增长到 2031 年的 21.46 万亿美元;预计从 2023 年到 2031 年,该市场的复合年增长率将达到 21.5%。抵押贷款是您与贷方之间的一种协议,如果您未能偿还借款和利息,贷方有权收回您的房产。抵押贷款可用于购买房产或以现有房屋的价值为抵押借款。住房抵押贷款市场是提供购房贷款的行业。抵押贷款对房地产市场至关重要,因为大多数购房者都需要融资。借款人与贷方互动以获得购房融资。
住房抵押贷款市场分析
住房抵押贷款市场预测是根据各种二手和一手研究结果(如主要公司出版物、协会数据和数据库)估算得出的。抵押贷款市场对住房行业至关重要,因为它为个人提供必要的资金,帮助他们成为房主。一级和二级抵押贷款市场展示了一个动态系统,借款人、贷款人和投资者共同努力实现财产转让。住房抵押贷款市场的增长直接受到一个国家经济状况的影响。例如,经济状况较弱的国家的利率可能与经济稳定的国家不同。储备银行提高利率以对抗通货膨胀并防止价格失控。
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住房抵押贷款
行业概览
- 抵押贷款行业不断适应更大金融市场的变化。COVID-19 是市场最近面临的挑战。在疫情期间,由于美联储在许多国家实施了一系列措施,使消费者借贷更加简单,抵押贷款利率大幅下降。由于这些低利率,在疫情期间和疫情后的几年里,住房需求相对较高。
- 但随后几年房价飙升,导致抵押贷款需求下降。这表明由于国家或地区经济状况的变化,市场波动很大。例如,根据 LendingTree 2024 年的报告,美国人的抵押贷款债务总额为 12.14 万亿美元,占美国总消费者债务的 70.2%。即使利率超过 7.00%,抵押贷款需求仍然强劲,全美各地的美国人都在应对当今艰难的房地产市场。因此,了解美国人如何处理抵押贷款对于了解美国财政状况至关重要。
住房抵押贷款市场驱动因素
政府推动住房抵押贷款市场发展的举措
- 政府政策对一个国家的住房状况起着重要作用。政府对经济适用房的优惠政策推动了住房抵押贷款市场的增长。这些经济适用房政策鼓励中产阶级和工薪阶层公民申请住房抵押贷款。
例如,
- 2022 年 5 月,拜登总统宣布了一项住房供应行动计划,旨在通过增加每个城镇的体面住房供应来逐步降低住房成本。他的计划包括立法和行政举措,以帮助在五年内弥补美国的住房供应缺口,首先是在未来三年内建造和保留数十万套经济适用房。
[来源:白宫,政府网站]
- 2024 年 3 月,美国财政部宣布了未来几年增加住房供应的新举措。这些公告以拜登-哈里斯政府的住房供应行动计划为基础,旨在增加全国经济适用房存量并降低住房成本,包括上周宣布的新行动。
[来源:美国财政部,政府网站]
- 2024 年 2 月,财政部长 Nirmala Sitharaman 在 2024 年临时预算演讲中推出了一项新计划。根据预算演讲,政府将推出一项计划,帮助居住在租赁住宅、贫民窟、公寓和未经授权的殖民地中的中产阶级购买或建造自己的房屋
[来源:印度财政部,政府网站]
这些举措旨在推动住房抵押贷款市场的增长。
住房抵押贷款
市场报告细分分析
- 根据来源,住房抵押贷款金融市场报告分为住房金融公司(HFC)和银行。
- 预计住房金融公司 (HFC) 部门将在 2023 年占据相当大的住房抵押贷款市场份额。住房金融公司是另一种非银行金融公司,主要从事房屋收购或建设的融资,包括开发用于建造新住宅的地块。
住房抵押贷款
按地区划分的市场分析
The scope of the Home Mortgage Finance market report is primarily divided into five regions - North America, Europe, Asia Pacific, Middle East & Africa, and South America. North America is experiencing rapid growth and is anticipated to hold a significant Home Mortgage Finance market share. The major countries in North America, such as the US and Canada, have a stable economy and a very mature market.
Home Mortgage Finance
Home Mortgage Finance Market Regional Insights
The regional trends and factors influencing the Home Mortgage Finance Market throughout the forecast period have been thoroughly explained by the analysts at Insight Partners. This section also discusses Home Mortgage Finance Market segments and geography across North America, Europe, Asia Pacific, Middle East and Africa, and South and Central America.
- Get the Regional Specific Data for Home Mortgage Finance Market
Home Mortgage Finance Market Report Scope
Report Attribute | Details |
---|---|
Market size in 2023 | US$ 4.51 trillion |
Market Size by 2031 | US$ 21.46 trillion |
Global CAGR (2023 - 2031) | 21.5% |
Historical Data | 2021-2023 |
Forecast period | 2023-2031 |
Segments Covered | By Tenure
|
Regions and Countries Covered | North America
|
Market leaders and key company profiles |
|
Home Mortgage Finance Market Players Density: Understanding Its Impact on Business Dynamics
The Home Mortgage Finance Market market is growing rapidly, driven by increasing end-user demand due to factors such as evolving consumer preferences, technological advancements, and greater awareness of the product's benefits. As demand rises, businesses are expanding their offerings, innovating to meet consumer needs, and capitalizing on emerging trends, which further fuels market growth.
Market players density refers to the distribution of firms or companies operating within a particular market or industry. It indicates how many competitors (market players) are present in a given market space relative to its size or total market value.
Major Companies operating in the Home Mortgage Finance Market are:
- PNB Housing Finance Limited
- Edelweiss Housing Finance Limited
- HDFC Housing Finance
- PenFed
- Ally Financial
Disclaimer: The companies listed above are not ranked in any particular order.
- Get the Home Mortgage Finance Market top key players overview
The "Home Mortgage Finance Market Analysis" 根据类型、技术、应用和地理位置进行。在来源方面,市场细分为住房金融公司 (HFC) 和银行。根据技术,住房抵押贷款市场细分为近场通信(NFC)、快速响应 (QR) 码和生物识别验证。根据利率,市场细分为固定利率和浮动利率。根据地理位置,市场细分为北美、欧洲、亚太地区、中东和非洲以及南美。
住房抵押贷款
市场新闻和最新动态
在住房抵押贷款市场中,各公司采用并购等无机和有机战略。以下列出了一些近期的关键市场发展:
- 2023 年 11 月,巴克莱银行宣布在四天内第二次下调抵押贷款利率,将 10% 首付的抵押贷款利率降至 5% 以下。这家银行巨头今天公布了一系列产品折扣,因为全球债券购买狂潮导致用于降低抵押贷款价格的英国政府债券收益率下降。
[来源:巴克莱,公司网站]
- 2024 年 2 月,桑坦德银行宣布,新建房屋和公寓的最高贷款价值比将提高至 95%,要求这些借款人支付 5% 的定金来购买房屋。使用 95% 贷款价值比抵押贷款购买新房的客户可以从该银行现有的 95% 五年期固定利率套餐中进行选择。
[来源:桑坦德银行,公司网站]
住房抵押贷款
市场报告范围及交付成果
市场报告《住房抵押贷款市场规模和预测(2021-2031)》对市场进行了详细分析,涵盖以下领域:
- 范围内涵盖的所有主要细分市场的全球、区域和国家层面的市场规模和预测。
- 市场动态,例如驱动因素、限制因素和关键机遇。
- 未来的主要趋势。
- 详细的 PEST 和 SWOT 分析
- 全球和区域市场分析涵盖主要市场趋势、主要参与者、法规和最新的市场发展。
- 行业格局和竞争分析包括市场集中度、热图分析、关键参与者和最新发展。
- 详细的公司简介。
- Historical Analysis (2 Years), Base Year, Forecast (7 Years) with CAGR
- PEST and SWOT Analysis
- Market Size Value / Volume - Global, Regional, Country
- Industry and Competitive Landscape
- Excel Dataset
Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
This text is related
to segments covered.
Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
Country Scope
This text is related
to country scope.
Frequently Asked Questions
Personalization and customization to enhance user experience are impacting home mortgage finance, which is anticipated to bring new home mortgage finance market trends in the coming years.
The key players holding majority shares in the global home mortgage finance market are PNB Housing Finance Limited; Edelweiss Housing Finance Limited; Santander; and Barclays
Government initiative and rapid urbanization are the major factors that propel the global home mortgage finance market.
The global home mortgage finance market is expected to reach US$ 21.4 trillion by 2031.
The global home mortgage finance market was estimated to be US$ 4.51 trillion in 2023 and is expected to grow at a CAGR of 21.5% during the forecast period 2023 - 2031.
Trends and growth analysis reports related to Banking, Financial Services, and Insurance : READ MORE..
- PNB Housing Finance Limited
- Edelweiss Housing Finance Limited
- HDFC Housing Finance
- PenFed
- Ally Financial
- Caliber Home Loans
- Nbkc Bank
- Flagstar
- Santander
- Barclays
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- Data Collection and Secondary Research:
As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.
Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.
- Primary Research:
The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.
For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.
A typical research interview fulfils the following functions:
- Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
- Validates and strengthens in-house secondary research findings
- Develops the analysis team’s expertise and market understanding
Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:
- Industry participants: VPs, business development managers, market intelligence managers and national sales managers
- Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.
Below is the breakup of our primary respondents by company, designation, and region:
Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.
- Data Analysis:
Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.
- Macro-Economic Factor Analysis:
We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.
- Country Level Data:
Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.
- Company Profile:
The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.
- Developing Base Number:
Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.
- Data Triangulation and Final Review:
The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.
We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.
We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.