住房抵押贷款市场基于(主要地区、市场参与者、规模和份额)- 预测至 2031 年

  • Report Code : TIPRE00039068
  • Category : Banking, Financial Services, and Insurance
  • No. of Pages : 150
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Home Mortgage Finance Market Analysis, Growth, Size by 2031

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住房抵押贷款金融市场规模和趋势

住房抵押贷款金融市场规模预计将从 2023 年的 4.51 万亿美元增长到 2031 年的 21.46 万亿美元;预计 2023 年至 2031 年复合年增长率将达到 21.5%。抵押贷款是您与贷方之间的一项安排,如果您未能偿还借入资金和利息,贷方将有权收回您的财产。抵押贷款可用于购买房产或以现有房屋的价值借款。住房抵押贷款金融市场是为购买房产提供贷款的行业。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。借款人与贷款人互动以获得购房融资。

住房抵押贷款金融市场分析

住房抵押贷款金融市场预测是根据以下因素估算的:各种二级和一级研究成果,例如主要公司出版物、协会数据和数据库。抵押贷款市场对房地产行业至关重要,因为它为个人提供了必要的资金来帮助他们成为房主。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。住房抵押贷款金融市场的增长直接受到一个国家经济状况的影响。例如,与经济稳定的国家相比,经济状况疲弱的国家可能会有利率。储备银行提高利率以对抗通货膨胀并防止价格失控。

住房抵押贷款金融 行业概述

  • 抵押贷款行业不断适应更大的金融市场的变化。 COVID-19 是市场最近面临的挑战。疫情期间,随着多国美联储实施了一系列措施让消费者借贷变得更加简单,抵押贷款利率大幅下降。由于利率较低,在疫情期间和疫情后几年,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。这意味着由于国家或地区经济状况的变化而导致市场波动。例如,根据LendingTree 2024年的一份报告,美国人的抵押贷款欠款为12.14万亿美元,占美国消费者债务总额的70.2%。即使利率超过 7.00%,抵押贷款需求仍然强劲,全国各地的美国人都在应对当今严峻的房地产市场。因此,了解美国人如何处理抵押贷款对于掌握美国金融的健康状况至关重要。

 

住房抵押贷款金融市场驱动力

政府推动住房抵押贷款金融市场的举措

 

  • 政府政策在一个国家的发展中发挥着重要作用。的住房条件。政府对经济适用房的优惠政策推动了住房抵押贷款金融市场的增长。这些保障性住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,通过增加每个城镇体面住房的供应来逐步降低住房成本。他的计划包括立法和行政举措,以帮助在五年内缩小美国的住房供应缺口,首先是在未来三年内建造和保存数十万套经济适用房。

[来源:The White众议院,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。这些公告建立在拜登-哈里斯政府的住房供应行动计划的基础上,旨在增加国家经济适用房的存量并降低住房成本,包括通过上周宣布的新行动。

[资料来源:美国国务院财政部,政府网站]

  • 2024 年 2 月,财政部长 Nirmala Sitharaman 在 2024 年中期预算演讲中推出了一项新计划。根据预算报告,政府将推出一项计划,帮助居住在租赁住宅、贫民窟、小屋和未经许可的殖民地的中产阶级中应得的部分购买或建造自己的房屋

[资料来源:外交部金融(印度),政府网站]

 

            此类举措旨在推动住房抵押贷款金融市场的增长。

 

住房抵押贷款金融 市场报告细分分析< /p>

  • 根据来源,住房抵押贷款融资市场报告分为住房金融公司 (HFC) 和银行。
  • 住房金融公司 (HFC) 部分预计将持有大量住房2023 年抵押贷款融资市场份额。住房金融公司是另一种类型的非银行金融公司,主要参与购买或建造房屋的融资,包括开发用于建造新住宅的土地。< /ul>

     

    住房抵押贷款金融 按地理位置进行市场分析

    住房抵押贷款金融市场报告的范围主要分为五个地区 - 北美、欧洲、亚太地区、中东和非洲。非洲、南美洲。北美正在经历快速增长,预计将占据重要的住房抵押贷款金融市场份额。美国、加拿大等北美主要国家经济稳定,市场非常成熟。

    住房抵押贷款金融 市场报告范围

    “住房抵押贷款金融市场分析”是根据类型、技术、应用和地域进行的。从来源来看,市场分为住房金融公司(HFC)和银行。基于技术,住房抵押贷款金融市场分为近场通信(NFC)、快速响应(QR)码和生物识别验证。根据利率,市场分为固定利率和浮动利率。根据地理位置,市场分为北美、欧洲、亚太地区、中东和中东地区。非洲和南美洲。

     

    报告属性

    详情

    2023年市场规模

    4.51万亿美元

    2031 年市场规模

    21.46 万亿美元

    < /td>

    全球复合年增长率(2023-2031)

    21.5%

    实际数据

    2021  2023

    预测时期

    2024年 – 2031年< /p>

    报告覆盖范围

    市场规模和预测(美元)、市场驱动因素和预测趋势分析、PEST 分析、关键机会、区域和地区国家分析、竞争格局、公司概况

    细分市场

    来源(住房金融公司 (HFC) 和银行)、利率(固定利率和浮动利率)和期限(最长 5 年、6 年) - 10 年、11 - 24 年和 25 - 30 年)

    区域覆盖范围

    北美、欧洲、亚太地区、南美、中东和非洲

    < /td>

    国家覆盖范围

    <跨度>美国;加拿大;墨西哥;英国;德国;法国、俄罗斯、意大利;中国;印度;日本;韩国;澳大利亚;巴西;阿根廷;沙特阿拉伯;阿联酋;南非

    市场领导者和主要公司简介

    < /td>

    PNB 住房金融有限公司;雪绒花住房金融有限公司; HDFC 住房金融;笔会;盟友金融;口径住房贷款;国家银行;旗星;桑坦德银行;巴克莱银行

     

    住房抵押贷款金融 市场新闻和最新动态

    公司在住房抵押贷款金融市场上采取并购等无机和有机策略。下面列出了近期的一些关键市场动态:

     

    • 2023 年 11 月,巴克莱银行宣布四天内第二次下调抵押贷款利率,首付为 10% 的抵押贷款利率低于 5%。由于全球债券购买狂潮带来了金边债券收益率,这家银行业巨头今天公布了其产品的一系列折扣,金边债券收益率用于压低抵押贷款的价格。

    [资料来源:巴克莱银行,公司网站]

    • 2024年2月,桑坦德银行表示,新建房屋和公寓的最高贷款与价值比率将提高至95%,要求这些借款人支付5%的首付才能购买房屋。以 95% LTV 抵押贷款购买新房的客户可以从银行现有的 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]

    住房抵押贷款金融 市场报告覆盖范围和市场报告可交付成果

    市场报告《住房抵押贷款金融市场规模与预测(2021年-2031年)》提供了对以下领域市场的详细分析-

    • 市场规模&对范围内涵盖的所有关键细分市场进行全球、区域和国家层面的预测。
    • 市场动态,例如驱动因素、限制因素和关键机遇。
    • 主要未来趋势。
    • 详细的 PEST 和分析SWOT 分析
    • 全球和区域市场分析,涵盖主要市场趋势、关键参与者、法规和近期市场发展。
    • 行业格局和竞争分析,涵盖市场集中度、热图分析、关键参与者和近期发展。
    • 详细的公司简介。
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

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to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

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to country scope.

Frequently Asked Questions


What are the future trends of the Global home mortgage finance market?

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.

Which are the key players holding the major market share of the global home mortgage finance market?

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

What are the driving factors impacting the global home mortgage finance market?

Government initiative and rapid urbanization are the major factors that propel the global home mortgage finance market.

What will be the market size for the global home mortgage finance market by 2031?

The global home mortgage finance market is expected to reach US$ 21.4 trillion by 2031.

What is the estimated market size for the global home mortgage finance market in 2023?

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.

  • 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.

  1. 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.

  1. 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:

Research Methodology

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.

  1. 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.

  1. 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.

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