Mortgage loan performance in South Africa: detailed workbook
This detailed workbook provides additional analysis to the second report on the performance of mortgages granted to lower income households in South Africa since 2004. In addition to what is covered in the report, this workbook explores performance among additional dimensions, such as loan amount and borrower demographics (age and gender).
While the analysis provides a fact base as a starting point, it is critical that lenders and policy makers actively engage with the findings. This engagement will contribute immeasurably towards developing a shared understanding of the level of risk associated iwth lending to lower income market segments, the relationship between underwriting criteria and performance, and the identification of mechanisms that can enhance sustainable access to mortgage finance by low income earners in South Africa.
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