表紙:住宅ローンの市場規模、シェア、成長分析、ローン目的別、金利タイプ別、ローン金額別、ローン期間別、資格基準別、借り手タイプ別、貸し手タイプ別、地域別 - 産業予測 2025~2032年
市場調査レポート
商品コード
1722205

住宅ローンの市場規模、シェア、成長分析、ローン目的別、金利タイプ別、ローン金額別、ローン期間別、資格基準別、借り手タイプ別、貸し手タイプ別、地域別 - 産業予測 2025~2032年

Home Loan Market Size, Share, and Growth Analysis, By Loan Purpose, By Interest Rate Type, By Loan Amount, By Loan Term, By Qualification Criteria, By Borrower Type, By Lender Type, By Region, And Segment Forecast, 2025-2032


出版日
発行
SkyQuest
ページ情報
英文 185 Pages
納期
3~5営業日
価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=148.42円
住宅ローンの市場規模、シェア、成長分析、ローン目的別、金利タイプ別、ローン金額別、ローン期間別、資格基準別、借り手タイプ別、貸し手タイプ別、地域別 - 産業予測 2025~2032年
出版日: 2025年05月02日
発行: SkyQuest
ページ情報: 英文 185 Pages
納期: 3~5営業日
GIIご利用のメリット
  • 全表示
  • 概要
  • 目次
概要

住宅ローンの世界市場規模は、2023年に633億1,000万米ドルと評価され、2024年の695億9,000万米ドルから2032年には1,483億1,000万米ドルに成長し、予測期間(2025年~2032年)のCAGRは9.92%で成長する見通しです。

金利は世界の住宅ローン市場を形成する上で極めて重要な役割を担っており、金利の低下は借り入れをより手頃なものにし、結果として住宅取得を後押しします。連邦準備制度理事会やRBIなどの中央銀行は、金融政策を通じて金利に大きな影響を与えます。都市化が加速し、中間層の人口が特に若年層で増加するにつれて、住宅需要が急増し、住宅ローンの申込件数の増加につながります。さらに、クレジットの利用可能性は極めて重要であり、緩和された融資基準や低い頭金オプションによって、より多くの個人がローンを確保できるようになります。しかし、厳しい融資要件は、特に低所得者や信用力の不安定な人々にとっては障壁となり、最終的には市場の成長を制限し、多くの人々にとっての住宅取得の機会を制限することになります。

目次

イントロダクション

  • 調査の目的
  • 調査範囲
  • 定義

調査手法

  • 情報調達
  • 二次と一次データの方法
  • 市場規模予測
  • 市場の前提条件と制限

エグゼクティブサマリー

  • 世界市場の見通し
  • 供給と需要の動向分析
  • セグメント別機会分析

市場力学と見通し

  • 市場概要
  • 市場規模
  • 市場力学
    • 促進要因と機会
    • 抑制要因と課題
  • ポーターの分析

主な市場の考察

  • 重要成功要因
  • 市場に影響を与える要因
  • 主な投資機会
  • エコシステムマッピング
  • 市場の魅力指数(2024年)
  • PESTEL分析
  • マクロ経済指標
  • ケーススタディ分析
  • 技術評価
  • 規制情勢

住宅ローン市場規模:ローン目的別& CAGR(2025-2032)

  • 市場概要
  • 購入
  • 借り換え
  • 債務整理
  • 建設
  • 改修
  • その他

住宅ローン市場規模:ローン金額別& CAGR(2025-2032)

  • 市場概要
  • 最大25万米ドル
  • 25万米ドル~50万米ドル
  • 50万米ドル~100万米ドル
  • 100万米ドル以上

住宅ローン市場規模:ローン期間別& CAGR(2025-2032)

  • 市場概要
  • 15年
  • 20年
  • 25年
  • 30年

住宅ローン市場規模:金利タイプ別& CAGR(2025-2032)

  • 市場概要
  • 固定金利
  • 変動金利

住宅ローン市場規模:資格基準別& CAGR(2025-2032)

  • 市場概要
  • クレジットスコア
  • 所得
  • 頭金
  • 債務対収入比率

住宅ローン市場規模:借り手タイプ別& CAGR(2025-2032)

  • 市場概要
  • 初めて住宅を購入する人
  • リピーター
  • 自営業の借り手
  • 低所得の借り手
  • 富裕層
  • 外国人/非居住インド人バイヤー

住宅ローン市場規模:貸し手タイプ別& CAGR(2025-2032)

  • 市場概要
  • 銀行
  • 信用組合
  • 非銀行金融会社(NBFC)
  • 住宅ローンブローカー
  • オンライン貸金業者/デジタルプラットフォーム
  • 住宅金融会社(HFC)

住宅ローン市場規模:地域別& CAGR(2025-2032)

  • 北米
    • 米国
    • カナダ
  • 欧州
    • ドイツ
    • スペイン
    • フランス
    • 英国
    • イタリア
    • その他欧州地域
  • アジア太平洋地域
    • 中国
    • インド
    • 日本
    • 韓国
    • その他アジア太平洋地域
  • ラテンアメリカ
    • ブラジル
    • その他ラテンアメリカ地域
  • 中東・アフリカ
    • GCC諸国
    • 南アフリカ
    • その他中東・アフリカ

競合情報

  • 上位5社の比較
  • 主要企業の市場ポジショニング(2024年)
  • 主な市場企業が採用した戦略
  • 最近の市場動向
  • 企業の市場シェア分析(2024年)
  • 主要企業の企業プロファイル
    • 企業の詳細
    • 製品ポートフォリオ分析
    • 企業のセグメント別シェア分析
    • 収益の前年比比較(2022-2024年)

主要企業プロファイル

  • Westpac Banking Corporation
  • Citigroup
  • Commonwealth Bank of Australia
  • JP Morgan Chase & Co.
  • Truist
  • ANZ Banking Group
  • Deutsche Bank
  • Barclays
  • National Australia Bank
  • Bank of America
  • BNP Paribas
  • Wells Fargo
  • HSBC
  • PNC Financial Services Group
  • ICBC(Industrial and Commercial Bank of China)
  • Morgan Stanley
  • HDFC Bank
  • Mr. Cooper Group
  • Home Credit Group
  • ING Group

結論と提言

目次
Product Code: SQMIG40C2005

Global Home Loan market size was valued at USD 63.31 Billion in 2023 and is poised to grow from USD 69.59 Billion in 2024 to USD 148.31 Billion by 2032, growing at a CAGR of 9.92% in the forecast period (2025-2032).

Interest rates play a pivotal role in shaping the global home loan market, with falling rates making borrowing more affordable and consequently boosting homeownership. Central banks, such as the Federal Reserve and RBI, significantly influence these rates through their monetary policies. As urbanization accelerates and the middle-class population grows, especially among younger demographics, the demand for housing surges, leading to an increase in home loan applications. Additionally, the availability of credit is crucial; relaxed lending standards and low down payment options enable more individuals to secure loans. However, stringent lending requirements can present barriers, particularly for low-income earners or those with unstable credit, ultimately restricting market growth and limiting homeownership opportunities for many.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Home Loan market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Home Loan Market Segments Analysis

The global Home Loan market is segmented into loan purpose, loan amount, loan term, interest rate type, qualification criteria, borrower type, lender type, and region. By Loan Purpose, the market is classified into Purchase, Refinance, Debt Consolidation, Construction, Renovation, and Others. Depending on Loan Amount, it is divided into Up to $250,000, $250,000 - $500,000, $500,000 - $1,000,000, and $1,000,000+. According to Loan Term, the market is categorized into 15 years, 20 years, 25 years, and 30 years. According to Interest Rate Type, the market is categorized into Fixed-Rate, and Adjustable-Rate. According to Qualification Criteria, the market is categorized into Credit Score, Income, Down Payment, and Debt-to-Income Ratio. According to Borrower Type, the market is categorized into First-time Homebuyers, Repeat Buyers, Self-employed Borrowers, Low-income Borrowers, High-net-worth Individuals, and Foreign/NRI Buyers. According to Lender Type, the market is categorized into Banks, Credit Unions, Non-banking Financial Companies (NBFCs), Mortgage Brokers, Online Lenders/Digital Platforms, and Housing Finance Companies (HFCs). Regionally, the market is analyzed across North America, Europe, Asia-Pacific, Middle East & Africa, and Latin America.

Driver of the Global Home Loan Market

The Global Home Loan market is being significantly influenced by a surge in housing demands, fueled by rapid population growth, urbanization, and evolving lifestyle preferences. As more individuals and families migrate to urban centers in search of suitable housing, the need for homes has intensified. This trend, in turn, has led to a rising demand for home loans, as people aim to secure residences that align with their shifting desires and requirements. Consequently, the importance of home loans has grown substantially in the contemporary housing landscape, highlighting their critical role in accommodating the changing needs of the population.

Restraints in the Global Home Loan Market

The global home loan market faces significant challenges stemming from affordability concerns, primarily driven by escalating housing costs and widening income inequality. Many prospective buyers struggle to qualify for mortgages or even consider homeownership due to these financial barriers. As property prices continue to climb and income distribution remains uneven, potential homeowners find themselves unable to meet the financial requirements associated with obtaining a mortgage. Consequently, this situation restricts their ability to purchase homes and limits their participation in the housing market, further exacerbating the challenges faced by those seeking to achieve homeownership in today's economic climate.

Market Trends of the Global Home Loan Market

The Global Home Loan market is witnessing a significant trend towards digital transformation as lenders swiftly adopt AI-driven technologies, automated underwriting, and online Know Your Customer (KYC) processes to streamline home loan approvals. This shift caters to tech-savvy borrowers who demand quicker access and convenience in their financial dealings. Notably, the introduction of chatbots and virtual advisors is enhancing customer interaction and reducing friction in application processes, resulting in faster turnaround times. The competitive landscape post-pandemic is further driving these innovations, compelling lenders to enhance operational efficiency and deliver a seamless borrowing experience, ultimately reshaping the home loan market for the future.

Table of Contents

Introduction

  • Objectives of the Study
  • Scope of the Report
  • Definitions

Research Methodology

  • Information Procurement
  • Secondary & Primary Data Methods
  • Market Size Estimation
  • Market Assumptions & Limitations

Executive Summary

  • Global Market Outlook
  • Supply & Demand Trend Analysis
  • Segmental Opportunity Analysis

Market Dynamics & Outlook

  • Market Overview
  • Market Size
  • Market Dynamics
    • Drivers & Opportunities
    • Restraints & Challenges
  • Porters Analysis
    • Competitive rivalry
    • Threat of substitute
    • Bargaining power of buyers
    • Threat of new entrants
    • Bargaining power of suppliers

Key Market Insights

  • Key Success Factors
  • Market Impacting Factors
  • Top Investment Pockets
  • Ecosystem Mapping
  • Market Attractiveness Index, 2024
  • PESTEL Analysis
  • Macro-Economic Indicators
  • Case Study Analysis
  • Technology Assessment
  • Regulatory Landscape

Global Home Loan Market Size by Loan Purpose & CAGR (2025-2032)

  • Market Overview
  • Purchase
  • Refinance
  • Debt Consolidation
  • Construction
  • Renovation
  • Others

Global Home Loan Market Size by Loan Amount & CAGR (2025-2032)

  • Market Overview
  • Up to $250,000
  • $250,000 - $500,000
  • $500,000 - $1,000,000
  • $1,000,000+

Global Home Loan Market Size by Loan Term & CAGR (2025-2032)

  • Market Overview
  • 15 years
  • 20 years
  • 25 years
  • 30 years

Global Home Loan Market Size by Interest Rate Type & CAGR (2025-2032)

  • Market Overview
  • Fixed-Rate
  • Adjustable-Rate

Global Home Loan Market Size by Qualification Criteria & CAGR (2025-2032)

  • Market Overview
  • Credit Score
  • Income
  • Down Payment
  • Debt-to-Income Ratio

Global Home Loan Market Size by Borrower Type & CAGR (2025-2032)

  • Market Overview
  • First-time Homebuyers
  • Repeat Buyers
  • Self-employed Borrowers
  • Low-income Borrowers
  • High-net-worth Individuals
  • Foreign/NRI Buyers

Global Home Loan Market Size by Lender Type & CAGR (2025-2032)

  • Market Overview
  • Banks
  • Credit Unions
  • Non-banking Financial Companies (NBFCs)
  • Mortgage Brokers
  • Online Lenders/Digital Platforms
  • Housing Finance Companies (HFCs)

Global Home Loan Market Size & CAGR (2025-2032)

  • North America (Loan Purpose, Loan Amount, Loan Term, Interest Rate Type, Qualification Criteria, Borrower Type, Lender Type)
    • US
    • Canada
  • Europe (Loan Purpose, Loan Amount, Loan Term, Interest Rate Type, Qualification Criteria, Borrower Type, Lender Type)
    • Germany
    • Spain
    • France
    • UK
    • Italy
    • Rest of Europe
  • Asia Pacific (Loan Purpose, Loan Amount, Loan Term, Interest Rate Type, Qualification Criteria, Borrower Type, Lender Type)
    • China
    • India
    • Japan
    • South Korea
    • Rest of Asia-Pacific
  • Latin America (Loan Purpose, Loan Amount, Loan Term, Interest Rate Type, Qualification Criteria, Borrower Type, Lender Type)
    • Brazil
    • Rest of Latin America
  • Middle East & Africa (Loan Purpose, Loan Amount, Loan Term, Interest Rate Type, Qualification Criteria, Borrower Type, Lender Type)
    • GCC Countries
    • South Africa
    • Rest of Middle East & Africa

Competitive Intelligence

  • Top 5 Player Comparison
  • Market Positioning of Key Players, 2024
  • Strategies Adopted by Key Market Players
  • Recent Developments in the Market
  • Company Market Share Analysis, 2024
  • Company Profiles of All Key Players
    • Company Details
    • Product Portfolio Analysis
    • Company's Segmental Share Analysis
    • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

  • Westpac Banking Corporation
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • Citigroup
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • Commonwealth Bank of Australia
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • JP Morgan Chase & Co.
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • Truist
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • ANZ Banking Group
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • Deutsche Bank
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • Barclays
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • National Australia Bank
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • Bank of America
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • BNP Paribas
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • Wells Fargo
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • HSBC
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • PNC Financial Services Group
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • ICBC (Industrial and Commercial Bank of China)
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • Morgan Stanley
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • HDFC Bank
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • Mr. Cooper Group
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • Home Credit Group
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments
  • ING Group
    • Company Overview
    • Business Segment Overview
    • Financial Updates
    • Key Developments

Conclusion & Recommendations