A. Primary Housing Finance Market
A.1 Industry Structure and Performance
| Variable | End of 2017 | End of 2016 | End of 2015 | Sources | Var ID |
|---|---|---|---|---|---|
| Types of originating lenders/market share: | A.1.2 | ||||
| Universal/ commercial banks | 81% of total | 81% of total | A.1.2.1 | ||
| Non-depository financial institutions specialized in housing finance | 6% of total | 6% of total | A.1.2.3 | ||
| Are there (quasi) public mortgage lenders: | Yes | Yes | yes | A.1.4 | |
| Universal/ commercial banks | Yes | Yes | yes | A.1.4.1 | |
| Non-depository financial institutions specialized in housing finance | yes | A.1.4.3 | |||
| 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
| Variable | End of 2017 | End of 2016 | End of 2015 | Sources | Var ID |
|---|---|---|---|---|---|
| Total amount of home mortgage loans outstanding at the end of year in millions of USD: | 7,983.07 USD (millions) | 6,240.74 USD (millions) | A.2.1 | ||
| Total amount of home mortgage loans outstanding at the end of year as % of GDP (current) | 3.05% | 3.03% | A.2.1.1 | ||
| and as % of all credits outstanding | 9.1% | 8.8% | A.2.1.2 |
A.3 Housing Finance Products
| Variable | End of 2017 | End of 2016 | End of 2015 | Sources | Var 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 | ||||
| Typical LTV at origination | 50%-70% | A.3.8.2 | |||
| Mortgage pmt-to-income ratio | A.3.10 | ||||
A.4 Lending and Servicing Process
| Variable | End of 2017 | End of 2016 | End of 2015 | Sources | Var ID |
|---|---|---|---|---|---|
| Does the mortgage industry use standard principles/guidelines for underwriting? | Yes | yes | yes | Bangladesh Bank | A.4.1 |
| Which institutions define underwriting rules? | A.4.2 | ||||
| Central Bank/Ministry of Finance | Yes | yes | yes | Bangladesh Bank | A.4.2.1 |
A.5 Credit Risk Assessment
| Variable | End of 2017 | End of 2016 | End of 2015 | Sources | Var ID |
|---|---|---|---|---|---|
| Do credit bureaus exist? | Yes | yes | yes | A.5.2 | |
| Is mortgage default insurance available? | Yes | yes | A.5.3 |
B. Funding Sources for Mortgages and the Secondary Mortgage Market
| Variable | End of 2017 | End of 2016 | End of 2015 | Sources | Var ID |
|---|---|---|---|---|---|
| What are the main funding sources for mortgages? | B.1 | ||||
| Retail funding (deposits/other) | primary | primary | B.1.1 | ||
| Wholesale funding: loans from other banks or corporations | secondary | secondary | B.1.2 | ||
| Funding through mortgage bonds | Non-applicable | B.1.3 | |||
| Funding through securitization of mortgages | Non-applicable | B.1.4 | |||
C. Housing Microfinance
| Variable | End of 2017 | End of 2016 | End of 2015 | Sources | Var ID |
|---|---|---|---|---|---|
| Are non-collateralized housing micro-finance loans offered? | Yes | Yes | yes | C.1 | |
| Types of lenders operating in the housing micro-finance (HMF) sector: | C.2 | ||||
| NGOs | Yes | yes | yes | C.2.3 | |
| Level of NPLs (>90 days past due) in HMF | C.4 | ||||