Germany Mortgage Market

In this paper we will discuss about the mortgage market of Germany. The market value decreased during 2004 – 05, but of late it is improving. Several policies have been taken by the government to improve the market. The mortgage market of Germany has been growing for the last two or three years.
Experts have predicted that within 2009 the mortgage market’s worth will reach up to 40.7 billion US dollars. In 2004, the value of the mortgage market was 38.3 billion dollars. But the market value was low compared to the 2003 figure.

The ratio of Gross National Product (GNP) to residential mortgage debt has been constant in Germany for many years. The ratio of Gross National Product to secured residential real estate debt decreased slightly during 1983 -1990 and so was the ratio of GNP to total residential. In 2006, the mortgage debt ratio in Germany was 51.3% of the Gross Domestic Product.

The housing market had been falling during the last decade. Moreover, currently, there is hardly any housing equity to increase the personal consumption or to make sustained equity withdrawals possible for the landlords.
The mortgage banks of Germany are focusing more on liquidity enhancement to fulfill their commitment. Currently, the German government is regulating the mortgage bond markets and the mortgage banks.

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Last Updated on : 24th August 2013