The Housing Finance System
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PDF featuring variable definitions is available in the document list under "Definition of Hofinet Variables".
A. Primary Housing Finance Market
A.1 Industry Structure and Performance
| Variable | End of 2012 | End of 2011 | End of 2010 | Sources | Var ID |
|---|
| Types of originating lenders/market share: | A.1.2 |
| Level of Non-Performing Mortgage Loans (90 days or more past due): | A.1.6 |
| Average 1997-2007 | A.1.7 |
A.2 Size of Mortgage Finance Sector
A.3 Housing Finance Products
| Variable | End of 2012 | End of 2011 | End of 2010 | Sources | Var ID |
|---|
| Mortgage products as % of all mortgages (approx.) in local currency: | A.3.1 |
| Most prevalent type of foreign currency mortgage used: | A.3.3 |
| Most frequent interest rates on fully amortizing: | A.3.4 |
| Typical lender fees associated with mortgage origination: | A.3.6 |
| Typical third party fees associated with mortgage origination: | A.3.7 |
| Loan-to-Value (LTV) on first mortgage: | A.3.8 |
| Mortgage pmt-to-income ratio | A.3.10 |
A.4 Lending and Servicing Process
| Variable | End of 2012 | End of 2011 | End of 2010 | Sources | Var ID |
|---|
| Which institutions define underwriting rules? | A.4.2 |
A.5 Credit Risk Assessment
B. Funding Sources for Mortgages and the Secondary Mortgage Market
| Variable | End of 2012 | End of 2011 | End of 2010 | Sources | Var ID |
|---|
| What are the main funding sources for mortgages? | B.1 |
C. Housing Microfinance
| Variable | End of 2012 | End of 2011 | End of 2010 | Sources | Var ID |
|---|
| Types of lenders operating in the housing micro-finance (HMF) sector: | C.2 |
| Level of NPLs (>90 days past due) in HMF | C.4 |