South africa mortgages
South africa mortgages. The surprise perhaps is that the difference is so small. On the one hand this is a significant achievement. Banks should be lauded for providing greater access to mortgages in under-served markets without taking on significantly more risk.
As the data clearly shows, mortgages granted to lower income borrowers in South Africa cannot be characterised as subprime. In the USA for instance, delinquency rates on fixed rate subprime mortgages are six times higher than those on prime mortgages. Lenders in South Africa did not behave in any way like their American counterparts, despite political pressure to provide access to mortgages.
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