Abstract
Overview
Introduction
The Dutch residential mortgage market grew at a CAGR of 11.2% over the last
five 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.
Report Highlights
The issue of tight housing supply seems to be acute in the Netherlands, which
has ensured that property demand remains strong.
Average house price growth has increased from 3.6% in 2004 to 4.9% in 2006.
Economic recovery has been a key driver for the increase in house price growth
in the Netherlands.
While the branch plays an important role in the distribution of mortgage loans
in the Dutch market, as with many European markets, intermediaries also
generate substantial mortgage business. In fact, in the Netherlands,
intermediaries' share of the mortgage market has been increasing continuously
in the past few years.
Reasons to Purchase
- Learn how the Dutch 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 Dutch
mortgage market over the next five years and its future prospects.
Table of Contents
- Overview
- Executive Summary
- Market size
- Market 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
- Housing market
- Dwelling stock
- House prices
- Government housing intervention
- Taxes, subsidies and housing schemes
- Market data
- Mortgage interest rates
- Market size
- Balances outstanding
- Gross advances
- Product lines
- Market structure
- Structure of the Dutch retail banking market
- Mortgage market structure
- Market share of player types in the Dutch mortgage market
- Funding
- Distribution
- Regulatory environment
- Industry regulators
- Industry 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
- Recent national mortgage-related legislation
- Key issues in the mortgage market
- Competitor and Product Overview
- Top five mortgage lenders
- Market share by balances outstanding
- Product analysis
- Typical product characteristics
- Market Forecasts
- Forecasting gross advances
- Datamonitor forecasts a slowdown in the Dutch mortgage market
- Future prospects
- Market attractiveness
- Market inhibitors
- APPENDIX
- Supplementary data
- Data tables relating to Chapter 2: Market Context
- Definitions
- AAGR
- Balances outstanding
- CAGR
- Fixed rate mortgage
- Gross advances
- Loan-to-value (LTV)
- Mortgage intermediary
- Remortgaging
- Variable mortgage
- Forecasting methodology
- Research methodology
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
- List of Tables
- Table 1: Forecast of residential mortgage gross advances in the Dutch
market , 2005-11f, (€m)
- Table 2: Total population across major western European countries,
2002-06
- Table 3: GDP at current rates across major western European countries,
2002-06, (€ billions)
- Table 4: GDP per capita at current rates across major western European
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 distribution of dwelling stock in the Netherlands, 2002
- Table 10: Residential mortgage balances outstanding in the Netherlands
compared to GDP of selected European countries, 2006
- Table 11: Top five mortgage lenders in the Benelux region by balances
outstanding, 2005-06
- Table 12: Forecast of residential mortgage gross advances in the Dutch
market , 2005-11f, (€m)
- Table 13: Total dwelling stock in the Netherlands 2002-06, (000s)
- Table 14: Total number of new builds in the Netherlands, 2002-06
- Table 15: Average house price growth in the Netherlands, 2002-06
- Table 16: Mortgage balances outstanding in the Netherlands, 2002-06e,
(€m)
- Table 17: Mortgage net lending in the Netherlands, 2002-06e, (€m)
- Table 18: Mortgage gross advances in the Netherlands, 2002-06e, (€m)
- List of Figures
- Figure 1: Mortgage gross advances in the Netherlands reached an
estimated €133.8 billion in 2006
- Figure 2: Rabobank is the largest mortgage lender in the Netherlands,
2005-06
- Figure 3: A snapshot of the Netherlands' s key statistics, 2006
- Figure 4: Dwelling stock reached a total of 6.9 million in 2006,
2002-06
- Figure 5: The number of new builds in the Netherlands stood at 67,016
in 2006, 2002-06
- Figure 6: The Netherlands has an owner-occupation rate of 54%, January
2006
- Figure 7: Average house price growth in the Netherlands stood at 4.9%
in 2006, 2002-06
- Figure 8: Balances outstanding have been growing steadily in the
Netherlands, 2002-06e
- Figure 9: Net mortgage lending in the Netherlands has fallen in recent
years, 2002-06e
- Figure 10: Mortgage gross advances in the Netherlands reached an
estimated €133.8 billion in 2006
- Figure 11: Banks are the major player type in the Dutch mortgage
market, 2006
- Figure 12: Regulatory overview of the Netherlands, 2007
- Figure 13: Rabobank is the largest mortgage lender in the Netherlands,
2005-06
- Figure 14: The Dutch mortgage market is expected to grow at a CAGR of
5.3% from 2007-11f
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