The Housing Finance System

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    A. Primary Housing Finance Market

    A.1 Industry Structure and Performance
    VariableEnd of 2013End of 2012End of 2011SourcesVar ID
    Types of originating lenders/market share:A.1.2
    Level of Non-Performing Mortgage Loans (90 days or more past due):A.1.6
    Average 1997-2007 A.1.7
    A.2 Size of Mortgage Finance Sector
    VariableEnd of 2013End of 2012End of 2011SourcesVar ID
    Total amount of home mortgage loans outstanding at the end of year in millions of USD: 1,944.41 USD (millions)1,807.98 USD (millions)
    Statistical Bulletin, Central Bank of Bahrain
    		A.2.1
    Total amount of home mortgage loans outstanding at the end of year as % of GDP (current) 7.19%6.99%
    Central Bank of Bahrain
    		A.2.1.1
    and as % of all credits outstanding 8.76%8.7%A.2.1.2
    A.3 Housing Finance Products
    VariableEnd of 2013End of 2012End of 2011SourcesVar ID
    Mortgage products as % of all mortgages (approx.) in local currency:A.3.1
    Most prevalent type of foreign currency mortgage used:A.3.3
    Most frequent interest rates on fully amortizing:A.3.4
    Typical lender fees associated with mortgage origination: A.3.6
    Typical third party fees associated with mortgage origination:A.3.7
    Loan-to-Value (LTV) on first mortgage: A.3.8
    Mortgage pmt-to-income ratio A.3.10
    A.4 Lending and Servicing Process
    VariableEnd of 2013End of 2012End of 2011SourcesVar ID
    Which institutions define underwriting rules? A.4.2
    A.5 Credit Risk Assessment
    B. Funding Sources for Mortgages and the Secondary Mortgage Market
    VariableEnd of 2013End of 2012End of 2011SourcesVar ID
    What are the main funding sources for mortgages?B.1
    C. Housing Microfinance
    VariableEnd of 2013End of 2012End of 2011SourcesVar ID
    Types of lenders operating in the housing micro-finance (HMF) sector:C.2
    Level of NPLs (>90 days past due) in HMFC.4
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    Notes: Figure listed only includes information from retail banks.
    Notes: Figure listed only includes information from retail banks.
    Notes: Figure listed only includes information from retail banks.
    Notes: Figure listed only includes information from retail banks.
    Notes: Figure listed only includes information from retail banks.
    Notes: Figure listed only includes information from retail banks.
    Notes: Figure listed only includes information from retail banks.
    Notes: Figure listed only includes mortgage outstanding from retail banks as percentage of net domestic credit.
    Notes: Figure listed only includes mortgage outstanding from retail banks as percentage of net domestic credit.
    Notes: Figure listed only includes mortgage outstanding from retail banks as percentage of net domestic credit.
    Notes: Figure listed only includes mortgage outstanding from retail banks as percentage of net domestic credit.
    Notes: Figure listed only includes mortgage outstanding from retail banks as percentage of net domestic credit.
    Notes: Figure listed only includes mortgage outstanding from retail banks as percentage of net domestic credit.
    Notes: Figure listed only includes mortgage outstanding from retail banks as percentage of net domestic credit.