South africa mortgages
South africa mortgages. While we have explored default rates by broad market segment — and there is far more that could be done in that area if additional data is utilised — this is but one domain of analysis. Areas for further investigation include triggers of default. Why do households default, and how many of these underlying default drivers are insurable events?
Mechanisms to manage these risks could protect lenders and borrowers, and enhance access to mortgages without compromising the financial stability of either party. It is also essential to explore lending patterns and performance across areas in South Africa with a particular focus on newly built stock built by the private sector compared to older stock in established townships. Then of course we know dangerously little about foreclosure rates, and to our knowledge no industry-wide study has explored loss given default and how this differs by area and borrower income.
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Gallery of South africa mortgages
