South africa mortgages
South africa mortgages. 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. The latter has consistently exceeded the former, indicating that loans with smaller balances are less likely to be in arrears compared to larger loans. Interestingly, the gap between these two metrics increased noticeably as performance deteriorated.
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The British Journal of Criminology. Proceedings of the National Academy of Sciences. Bois et Forêts des Tropiques.
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Cameroon Tribune in French. Retrieved 16 January 2022. Retrieved 11 January 2022.
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