Albany, NY -- (SBWIRE) -- 02/08/2017 -- A mortgage is a debt instrument that borrowers can use to secure collateral for any specific real estate property. By taking a loan, the borrower and business firm can execute real estate deal in a single payment. While the lender releases the entire value of the real estate purchase, the borrower repays the loan amount in fixed sets of payment within fixed tenure. If the borrowers default then, the bank or lenders can evict the tenants and sell the house to clear the mortgage debt.

In a fixed rate mortgage (FRM) system, the borrowers pay the same interest rate until the maturity of the loan, which is between 15 and 30 years. Even if the interest rates go up, the borrower continues to pay the fixed interest in the FRM system. However, if the market interest rates decline significantly, the borrowers may be able to secure a lower rate by refinancing the mortgage. In an adjustable rate mortgage (ARM) system, the interest rate is fixed for an initial term, but after that, it fluctuates in line with prevalent rates.

The global housing mortgage market to grow at a CAGR of 3.95% during the period 2016-2020. The report covers the present scenario and the growth prospects of the global housing mortgage market for 2016-2020. To calculate the market size, the report considers the global residential loan value from 37 major companies spread across EMEA, APAC, and the Americas.

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Technavio's report, Global Housing Mortgage Market 2016-2020, has been prepared based on an in-depth market analysis with inputs from industry experts. The report covers the market landscape and its growth prospects over the coming years. The report also includes a discussion of the key vendors operating in this market.

Key vendors
- Bank of China
- China Construction Bank
- HSBC
- Wells Fargo

Other prominent vendors
- Agricultural Bank of China
- Australia and New Zealand Banking Group
- Banco Bilbao Vizcaya Argentaria
- Bank of America
- Bank of Communications
- Bank of Tokyo-Mitsubishi
- Barclays
- BNP Paribas
- China Development Bank
- China Merchants Bank
- Citibank
- Commerzbank
- Commonwealth Bank of Australia
- Credit Agricole
- Credit Suisse
- Deutsch Bank
- Industrial and Commercial Bank of China..........

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Key questions answered in this report
- What will the market size be in 2020 and what will the growth rate be?
- What are the key market trends?
- What is driving this market?
- What are the challenges to market growth?
- Who are the key vendors in this market space?
- What are the market opportunities and threats faced by the key vendors?
- What are the strengths and weaknesses of the key vendors?

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