South africa mortgages
South africa mortgages. The key challenge with that data is to segment loans across the market. Loan size on its own is not good enough; smaller mortgages may be granted to higher income borrowers who purchase relatively costly homes using equity from the sale of another house. Alternatively higher income borrowers who already have a primary mortgage on their property may take out a smaller secondary mortgage.
To overcome this challenge we used two criteria. The analysis tracked the performance of two tranches of loans; those granted between January 2004 and December 2008 under the first phase of the FSC, referred to as FSC loans, and those granted between January 2009 and December 2011 referred to as Affordable Market loans. The charts below summarise the performance of these two tranches of loans relative to the rest of the market.
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Gallery of South africa mortgages
