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The current dynamics and the future of mortgage distribution in South AfricaMuchanya, George 05 February 2014 (has links)
M.B.A. / Estimated to contribute between 15-20% of earnings for each of South Africa's biggest four banks, ABSA, Nedcor, Standard Bank and FNB mortgages are the biggest contributor to the banks' profits. The economic stability that followed the emerging market crisis buoyed the mortgage industry. This, and the growth of the 'previously disadvantaged' segment, with its historically low house ownership levels, has meant that the mortgage industry is the biggest and fastest growing industry in South Africa. The positive outlook of the South African mortgage industry created by the above factors has attracted new players into the industry at various levels of the value chain. The beginning of 1999 saw the launch of South African Home Loans (SAHL), a lender that focuses on low risk buyers. Latter in the same year various estate agents teamed up to form MortgageSA, now the biggest originator group in South Africa. SAHL by focusing on low risk clients was able to offer buyers very competitive rates thereby forcing the more established banks to give away significant discounts on new mortgages as a way of protecting their market share. The 'birth' of originators have had the same detrimental effect. The originators by obtaining exclusive rights to mortgage applications generated by the estate agents and latter 'selling' them to the banks have increased the banks' acquisition costs. In 2000 alone it was estimated that originators cost the banks an extra R24million. The overall effect of the increased acquisition costs and the rate discounting has been the decline of margins. The response of the banks to the declining margins has been to adopt a high volume, low margin strategy. This has forced the banks to focus on the control of distribution channels as a means of obtaining the required volumes. In South Africa mortgage origination is mostly controlled by the intermediary channels Le. estate agents and originators with relatively little business going through the direct channels Le. internet, branches, home loan consultants and call centres. Collectively intermediaries account for 75% of total originations and direct channels 25%. Whether or not this balance between intermediary and direct originations will be...
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Development of a model for the measurement of home loan riskPowell, Robert John 11 1900 (has links)
The primary objective of the study was to develop a model which allowed banks to
measure home loan risk and determine prices accordingly.
A survey among banks revealed:
1. belief that the home loan market is more risky than 5 years ago
2. belief that lending in the "black" market is riskier than lending in the
"white" market
3. no model is used which allows risk-measurement for the purpose of home
loan pricing
4. mixed feeling as to the value of the proposed model - value, to a large
extent, would depend on flexibility.
A practical, flexible model has been developed which allows:
1. risk classification of loans in terms of geographical areas, product/client
characteristics, and loan performance
2. risk measurement in terms of potential losses relating to each loan
category
3. determination of appropriate pricing levels for each risk category. / Department of Economics / M. Com. (Accounting )
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Development of a model for the measurement of home loan riskPowell, Robert John 11 1900 (has links)
The primary objective of the study was to develop a model which allowed banks to
measure home loan risk and determine prices accordingly.
A survey among banks revealed:
1. belief that the home loan market is more risky than 5 years ago
2. belief that lending in the "black" market is riskier than lending in the
"white" market
3. no model is used which allows risk-measurement for the purpose of home
loan pricing
4. mixed feeling as to the value of the proposed model - value, to a large
extent, would depend on flexibility.
A practical, flexible model has been developed which allows:
1. risk classification of loans in terms of geographical areas, product/client
characteristics, and loan performance
2. risk measurement in terms of potential losses relating to each loan
category
3. determination of appropriate pricing levels for each risk category. / Department of Economics / M. Com. (Accounting )
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A demand estimation of housing units in South Africa13 August 2012 (has links)
M. Comm. / The aim of the study is to estimate the demand function for housing in South Africa (for the period 1989 to 1998). It is important to study the housing demand as housing demand contributes positively towards economic growth and economic stability. The main findings in chapter five show that all the estimated parameters have a significant role on the demand for housing loans in South Africa, as approved by multiple regression results. However, real interest rates have a more significant impact on the demand for home loans. The study therefore asserts that the real interest rates must be as low as possible as a way of stimulating housing demand, thus providing investment and in turn there will be an increase in economic growth. The study further and finally asserts that taxation must be decreased, as a way of stimulating disposable income thus there will be an increase in investment spending.
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Residential mortgage securitization and secondary mortgage markets in South Africa: techniques benefits prerequisites.Ghersi, S. B. January 1991 (has links)
Research report submitted to the
Department of Building,
University of the Witwatersrand
in partial fulfiment of the degree MSc (Building)
by Course Work / The objective of this report is to investigate certain structural
imbalances in the South African financial system to assess if the
technique of' mortgage securitization may serve to alleviate
deficiencies in the provision of housing finance as well as prerequisite in creating a secondary mortgage market in South Africa. (Abbreviation abstract ) / Andrew Chakane 2018
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Impact of mortgage policies on homeownership in Kwazulu-NatalRamphal, Krishna January 2002 (has links)
Dissertation submitted in fulfillment of the requirement for the Degree of Master of Technology: Quantity Surveying at Technikon Natal, 2002. / This research investigates the key question of whether banks discriminate against black people in the process of granting mortgage bonds which consequently affects homeownership in South Africa in general, and KwaZulu-Natal in particular / M
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The property finance business in South AfricaWight, A. G. (Alan Gary) 11 1900 (has links)
Problem Statement:
The business of property finance has not been properly documented in South Africa.
Available resource material focuses on the perspective of the property developer and
investor largely neglecting the business of property finance. Thus comprehensive
information on this business was not available to students and researchers
This study set out to correct this deficiency.
Research Procedure:
Key property finance personnel in the major banks in the Republic of South Africa
were interviewed to establish how the business of property finance is conducted.
Jointly the interviewees represent 77% by volume of business over a period of two
years
A parallel process of literature research was undertaken to compliment the interview
research and provide technical depth to the findings.
Findings:
The empirical and literature research results were combined to comprehensively
document the processes, structures, systems, products / Business Management / M. Com. (Business Management)
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The property finance business in South AfricaWight, A. G. (Alan Gary) 11 1900 (has links)
Problem Statement:
The business of property finance has not been properly documented in South Africa.
Available resource material focuses on the perspective of the property developer and
investor largely neglecting the business of property finance. Thus comprehensive
information on this business was not available to students and researchers
This study set out to correct this deficiency.
Research Procedure:
Key property finance personnel in the major banks in the Republic of South Africa
were interviewed to establish how the business of property finance is conducted.
Jointly the interviewees represent 77% by volume of business over a period of two
years
A parallel process of literature research was undertaken to compliment the interview
research and provide technical depth to the findings.
Findings:
The empirical and literature research results were combined to comprehensively
document the processes, structures, systems, products / Business Management / M. Com. (Business Management)
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