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South africa mortgages. If anything the data highlights how important it is to examine the data by segment rather than simply exploring the average performance of the book as a whole. Sadly, published data cannot facilitate this. 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.
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