South africa mortgages
South africa mortgages. According to the NCR, as at end Q3 2014 roughly 3. The trend is positive, with arrears levels significantly lower than their peak of 6. The data published by the SARB for bank lenders tells the same story.
However, neither the SARB nor the NCR publish performance data by market segment; their data cannot be used to explore how mortgages granted to lower income households performed relative to those granted to higher income borrowers. This would be useful in order to assess the impact of efforts to expand access to mortgages in previously under-served markets, for both lenders and borrowers. The best we can do with published data is to explore the relationship between arrears levels measured in terms of number of loans and arrears levels measured by value.
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