A. Primary Housing Finance Market
A.1 Industry Structure and Performance
| Variable | End of 2015 | End of 2014 | End of 2013 | Sources | Var ID |
|---|---|---|---|---|---|
| Types of originating lenders/market share: | A.1.2 | ||||
| Identify the 3 largest loan originating lenders | PrivatBank, Oschadbank, Ukreximbank | PrivatBank, Oschadbank, Ukreximbank | National Bank of Ukraine | A.1.3 | |
| Are there (quasi) public mortgage lenders: | Yes | Yes | Yes | State Mortgage Institution | A.1.4 |
| Non-depository financial institutions specialized in housing finance | Yes | Yes | Yes | State Mortgage Institution | 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 2015 | End of 2014 | End of 2013 | Sources | Var ID |
|---|---|---|---|---|---|
| Total amount of home mortgage loans outstanding at the end of year in millions of USD: | 2,756.97 USD (millions) | 4,553.13 USD (millions) | 6,436.47 USD (millions) | National Bank of Ukraine | A.2.1 |
| Total amount of home mortgage loans outstanding at the end of year as % of GDP (current) | 3.03% | 3.44% | 3.58% | National Bank of Ukraine and WEO | A.2.1.1 |
| and as % of all credits outstanding | Not available | 4.75% | 4.27% | National Bank of Ukraine, World Bank | A.2.1.2 |
A.3 Housing Finance Products
| Variable | End of 2015 | End of 2014 | End of 2013 | 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 | ||||
| Maximum LTV | 80 | 80 | A.3.8.1 | ||
| Typical LTV at origination | Not available | 70 | 80 | National Bank of Ukraine | A.3.8.2 |
| Maximum term over which pmt is calculated? | 15 years | 15 years | 15 years | Piraeus Bank and https://fp.cibs.ubs.edu.ua/files/1302/13hamikv.pdf | A.3.9 |
| Mortgage pmt-to-income ratio | A.3.10 | ||||
| Maximum pmt-to-income ratio (Individual income) | 50% | A.3.10.2 | |||
A.4 Lending and Servicing Process
| Variable | End of 2015 | End of 2014 | End of 2013 | Sources | Var ID |
|---|---|---|---|---|---|
| Which institutions define underwriting rules? | A.4.2 | ||||
A.5 Credit Risk Assessment
| Variable | End of 2015 | End of 2014 | End of 2013 | Sources | Var ID |
|---|---|---|---|---|---|
| Is mortgage default insurance available? | Yes | Yes | A.5.3 |
B. Funding Sources for Mortgages and the Secondary Mortgage Market
| Variable | End of 2015 | End of 2014 | End of 2013 | Sources | Var ID |
|---|---|---|---|---|---|
| What are the main funding sources for mortgages? | B.1 | ||||
| Retail funding (deposits/other) | primary | primary | primary | B.1.1 | |
| Wholesale funding: loans from other banks or corporations | secondary | secondary | secondary | State Mortgage Institution | B.1.2 |
| Funding through mortgage bonds | tertiary | tertiary | tertiary | SMI | B.1.3 |
C. Housing Microfinance
| Variable | End of 2015 | End of 2014 | End of 2013 | Sources | Var ID |
|---|---|---|---|---|---|
| Types of lenders operating in the housing micro-finance (HMF) sector: | C.2 | ||||
| Level of NPLs (>90 days past due) in HMF | C.4 | ||||