ポーランドの住宅ローン市場（市場ガイド）

Abstract

Overview

Introduction

As well as the recent greater economic success of Poland and lower borrowing costs, awareness of mortgage loans has been one of the main contributors to the growth in new mortgage lending in the Polish market. What are the current issues facing the this sector? Who are the biggest lenders? What will be the size of the Polish mortgage market in the next five years? This report provides the answers.

Scope

• Covers the residential mortgage market.
• Provides market sizing data in terms of gross advances and balances outstanding.
• Provides competitor market share for the top five players in terms of balances outstanding.
• Looks at housing policies, regulations and issues in the mortgage market.

Report Highlights

The mortgage market in Poland is relatively small compared to western European mortgage markets, but it has expanded rapidly due to strong demand for mortgages.

The Polish market is witnessing strong demand from both nationals and foreign investors. Indeed, a buoyant economy, an increase in wages, lower borrowing costs and a shortage of properties are driving demand upward.

After a subdued performance, house price growth in Poland has been relatively strong over the last couple of years-particularly in urban centers.

Reasons to Purchase

• Learn how the Polish residential mortgage market has developed over the last five years.
• Understand the recent developments in the mortgage market in terms of regulations and competitor shares.
• Find out Datamonitor' s opinion on the future performance of the Polish mortgage market over the next five years and its future prospects

Table of Contents

• Overview
  • Catalyst
  • Summary
• Executive Summary
  • Market size
  • Market forecasts
  • Key issues
  • Key market players
• Table of Contents
• Table of figures
• Table of tables
• Market Context
  • Country overview
    • Demographic and economic data of selected European countries
      • Demographic data
      • Economic data
    • Housing market
      • Dwelling stock
      • Age of dwelling
      • Percentage of dwellings in occupation
      • House prices
  • Government housing intervention
    • Housing subsidies
      • Local governments are responsible for housing allowances
    • Mortgage interest repayments are deductible from income tax
    • Interest rate caps for mortgages were introduced in 2002
    • The government is encouraging the automation of land and mortgage registrations
    • Market data
      • Mortgage interest rates
    • Market size
      • Balances outstanding
      • Net mortgage lending
      • Gross advances
      • Product lines
  • Market structure
    • Categories of banks
    • Commercial banks
    • Co-operative banks
    • Mortgage banks
    • Mortgage market structure
      • Market share by player type
      • Funding
      • Distribution
  • Regulatory environment
    • Industry regulators
      • The NBP
      • The CBS
      • The GINB
    • Industry associations
      • The Polish Bank Association
      • The Mortgage Credit Foundation
    • Credit bureaus
    • Regulatory issues and developments in the mortgage market
      • The birth of an integrated European mortgage market is still very far off
      • Basel II will mean a number of changes for lenders
      • Recent national mortgage-related legislation
  • Key issues in the mortgage market
• Competitor and Product Overview
  • Top five mortgage lenders
    • Market share by balances outstanding
  • Product analysis
    • Typical product characteristics
• Market Forecasts
  • Forecasting gross advances
    • Datamonitor forecasts a rapid rise in the Polish mortgage market
  • Future prospects
    • Market attractiveness
    • Market inhibitors
• APPENDIX
  • Supplementary data
    • Data tables relating to Chapter 2: Market Context
  • Definitions
    • AAGR
    • Balances outstanding
    • CAGR
    • Fixed rate mortgage
    • Gross advances
    • Loan-to-value (LTV)
    • Mortgage intermediary
    • Remortgaging
    • Variable mortgage
  • Forecasting methodology
  • Research methodology
  • Further reading
    • European mortgages
  • Ask the analyst
  • Datamonitor consulting
  • Disclaimer
  • List of Tables
    • Table 1: Forecast of mortgage gross advances in Poland, 2006-11f, (€m)
    • Table 2: Total population across European countries, 2002-06
    • Table 3: GDP at current rates across European countries, 2002-06, (€bn)
    • Table 4: GDP per capita at current rates across European countries, 2002-06, (€)
    • Table 5: GDP growth rates across European countries, 2002-06, (%)
    • Table 6: GDP composition by sector across European countries, 2006, (%)
    • Table 7: Inflation across European countries, 2002-06, (%)
    • Table 8: Unemployment rates across European countries, 2002-06, (%)
    • Table 9: Age of Poland' s dwelling stock, 2002
    • Table 10: Residential mortgage balances outstanding compared to GDP of selected European countries, 2006
    • Table 11: Market share by competitor in the Polish residential mortgage market, 2005-06, (€m)
    • Table 12: Forecast of mortgage gross advances in Poland, 2006-11f, (€m)
    • Table 13: Number of dwellings in Poland, 2001-05
    • Table 14: Average annual house price growth in Poland, Q3 2004-Q4 2006
    • Table 15: Typical mortgage interest rate and reference rate in Poland, Q3 2004-Q4 2006
    • Table 16: Mortgage balances outstanding in the Polish mortgage market, 2002-06, (€m)
    • Table 17: Mortgage net lending in the Polish mortgage market, 2003-06, (€m)
    • Table 18: Mortgage gross advances in the Polish mortgage market, 2003e-06, (€m)
  • List of Figures
    • Figure 1: New mortgage lending in Poland has grown strongly but sporadically, 2003-06
    • Figure 2: PKO has the largest market share of the mortgage market in Poland, 2005-06
    • Figure 3: A snapshot of key statistics in Poland, 2006
    • Figure 4: Poland' s dwelling stock stood at 12.9 million at the end of 2005
    • Figure 5: The majority of dwellings in Poland are owner-occupied, 2004
    • Figure 6: Quarterly house price growth in Poland shows in the most part strong growth, Q3 2004-Q4 2006
    • Figure 7: Typical mortgage interest rates in Poland have leveled off after falling rapidly , Q3 2004-Q4 2006
    • Figure 8: Mortgage balances outstanding in Poland have seen strong growth in the last five years
    • Figure 9: Net lending in Poland grew by a CAGR of 80.1% from 2003-06
    • Figure 10: New lending of mortgages in Poland has grown strongly, but sporadically, 2003-06
    • Figure 11: Categories of banks in the Polish banking industry, 2007
    • Figure 12: PKO has the largest market share of the mortgage market in Poland, 2005-06
    • Figure 13: Mortgage gross advances in Poland are predicted to rise rapidly, 2006-11f