表紙：ホームエクイティレンディングの市場規模、シェア、成長分析：プロバイダータイプ別、ローン期間別、地域別 - 産業予測 2025～2032年

市場調査レポート

商品コード

1722271

ホームエクイティレンディングの市場規模、シェア、成長分析：プロバイダータイプ別、ローン期間別、地域別 - 産業予測 2025～2032年

Home Equity Lending Market Size, Share, and Growth Analysis, By Provider Type (Banks, Credit Unions), By Loan Tenure (Short-Term (<=5 years), Medium-Term (6-10 years)), By Region - Industry Forecast 2025-2032

出版日: 2025年05月04日
発行: SkyQuest
ページ情報: 英文 188 Pages
納期: 3～5営業日

価格

PDF & Excel (Single User License)

USD 5,300 770,726円

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PDF & Excel (Multiple User License)

USD 6,200 901,604円

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PDF & Excel (Enterprise License)

USD 7,100 1,032,482円

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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=145.42円

全表示
概要
目次

概要

サンプル依頼リストに入れる

ホームエクイティレンディングの世界市場規模は2023年に297億米ドルとなり、予測期間（2025～2032年）のCAGRは3.5%で、2024年の307億4,000万米ドルから2032年には404億8,000万米ドルに成長する見通しです。

ホームエクイティレンディング市場は、住宅所有率の上昇と住宅資産価値の上昇を原動力に成長する見込みです。住宅所有者は増大する自己資本を活用して低利融資を受け、改築や債務整理、主要な生活費の管理に役立てています。デジタル・バンキングの革新はローン申請と承認を合理化し、良好な経済環境下での市場拡大をさらに後押しし、消費者の信頼感を高めています。しかし、特にサブプライム債務者を対象とした融資ガイドラインの厳格化や、欧州およびアジア太平洋地域の一部で続く景気の不透明感により、課題も残っています。金利の低下は貸し手のリスク回避行動につながっています。加えて、高インフレと生活費の高騰が借り手の返済能力に対する懸念を高めており、銀行はポートフォリオの拡大と厳格な信用安全基準とのバランスを取る必要に迫られています。

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

Bank of America
Wells Fargo
JPMorgan Chase（Chase）
U.S. Bank
PNC Bank
Citibank
Discover Bank
LoanDepot
Spring EQ
Figure Technologies
PenFed Credit Union
Navy Federal Credit Union
Flagstar Bank
TD Bank
Fifth Third Bank

結論と提言

Product Code: SQMIG40C2006

Global Home Equity Lending Market size was valued at USD 29.7 billion in 2023 and is poised to grow from USD 30.74 billion in 2024 to USD 40.48 billion by 2032, growing at a CAGR of 3.5% during the forecast period (2025-2032).

The Home Equity Lending Market is poised for growth driven by rising homeownership rates and increasing residential property values. Homeowners are leveraging their growing equity for low-interest credit, facilitating renovations, debt consolidation, and managing major life expenses. Digital banking innovations streamline loan applications and approvals, further propelling market expansion in a favorable economic environment and boosting consumer confidence. However, challenges persist, particularly due to stricter lending guidelines aimed at subprime borrowers and prevailing economic uncertainties in Europe and parts of Asia-Pacific. Decreasing interest rates have led to risk-averse behaviors among lenders. Additionally, high inflation and escalating living costs raise concerns about borrowers' repayment capabilities, compelling banks to balance portfolio growth with rigorous credit safety standards.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Home Equity Lending 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 Equity Lending Market Segments Analysis

Global Home Equity Lending Market is segmented by Provider Type, By Loan Tenure, By Interest Rate Type, By Application and region. Based on Provider Type, the market is segmented into Banks, Credit Unions, Online Lenders / Fintechs and Mortgage Brokers and Non-Bank Financial Institutions. Based on Loan Tenure, the market is segmented into Short-Term (<=5 years), Medium-Term (6-10 years) and Long-Term (>10 years). Based on Interest Rate Type, the market is segmented into Fixed-Rate Loans and Variable/Adjustable Rate Loans. Based on Application, the market is segmented into Home Renovation and Repairs, Debt Consolidation, Education Expenses, Medical Expenses, Business Investment and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Home Equity Lending Market

The Global Home Equity Lending market is primarily driven by two key factors: the increasing rates of homeownership and the rise in property values. As the real estate market flourishes in urban and suburban regions, homeowners find themselves with growing equity that can be utilized for significant expenditures such as education, home renovations, or debt consolidation. Financial institutions capitalize on this trend by offering specialized equity-linked loan products, which provide lower-risk, collateral-backed financing options. Additionally, the familiarity with home equity lines of credit (HELOCs) further influences the lending landscape, particularly in developed markets like the United States, Canada, and the United Kingdom.

Restraints in the Global Home Equity Lending Market

The Global Home Equity Lending market faces significant challenges due to increasing interest rates driven by inflation and central bank policies. These heightened rates lead to elevated borrowing costs, discouraging individuals from taking on additional debt unless absolutely necessary. Consequently, the refinancing of home loans tends to decrease under such conditions. Lenders are implementing more stringent mortgage approval standards, resulting in a higher number of rejections for prospective borrowers. Additionally, U.S. borrowers typically favor floating-rate Home Equity Lines of Credit (HELOCs), and as interest rates rise, this leads to increased monthly payments, further diminishing the attractiveness of these loans.

Market Trends of the Global Home Equity Lending Market

The Global Home Equity Lending market is currently witnessing substantial shifts driven by rising interest rates and inflationary pressures. Homeowners are increasingly leveraging their home equity to consolidate debt and manage escalating living costs, prompting lenders to tighten underwriting standards. In this evolving landscape, digital lending platforms are emerging as significant players, providing faster approval processes and competitive rates that appeal to tech-savvy borrowers. As a result, the market is seeing a heightened demand for innovative financial solutions, which are reshaping customer expectations and lender strategies to navigate the complexities of the current economic environment.

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
Degree of Competition
Top Investment Pockets
Market Ecosystem
Market Attractiveness Index, 2024
PESTEL Analysis
Macro-Economic Indicators
Regulatory Analysis

Global Home Equity Lending Market Size by Provider Type & CAGR (2025-2032)

Market Overview
Banks
Credit Unions
Online Lenders / Fintechs
Mortgage Brokers and Non-Bank Financial Institutions

Global Home Equity Lending Market Size by Loan Tenure & CAGR (2025-2032)

Market Overview
Short-Term (<=5 years)
Medium-Term (6-10 years)
Long-Term (>10 years)

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

Market Overview
Fixed-Rate Loans
Variable/Adjustable Rate Loans

Global Home Equity Lending Market Size by Application & CAGR (2025-2032)

Market Overview
Home Renovation and Repairs
Debt Consolidation
Education Expenses
Medical Expenses
Business Investment
Others

Global Home Equity Lending Market Size & CAGR (2025-2032)

North America (By Provider Type, By Loan Tenure, By Interest Rate Type, By Application)
- US
- Canada
Europe (By Provider Type, By Loan Tenure, By Interest Rate Type, By Application)
- Germany
- Spain
- France
- UK
- Italy
- Rest of Europe
Asia Pacific (By Provider Type, By Loan Tenure, By Interest Rate Type, By Application)
- China
- India
- Japan
- South Korea
- Rest of Asia-Pacific
Latin America (By Provider Type, By Loan Tenure, By Interest Rate Type, By Application)
- Brazil
- Rest of Latin America
Middle East & Africa (By Provider Type, By Loan Tenure, By Interest Rate Type, By Application)
- 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

Bank of America
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Wells Fargo
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
JPMorgan Chase (Chase)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
U.S. Bank
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
PNC Bank
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Citibank
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Discover Bank
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
LoanDepot
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Spring EQ
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Figure Technologies
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
PenFed Credit Union
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Navy Federal Credit Union
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Flagstar Bank
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
TD Bank
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Fifth Third Bank
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments

ホームエクイティレンディングの市場規模、シェア、成長分析：プロバイダータイプ別、ローン期間別、地域別 - 産業予測 2025～2032年

Home Equity Lending Market Size, Share, and Growth Analysis, By Provider Type (Banks, Credit Unions), By Loan Tenure (Short-Term (<=5 years), Medium-Term (6-10 years)), By Region - Industry Forecast 2025-2032

目次

イントロダクション

調査手法

エグゼクティブサマリー

市場力学と見通し

主な市場の考察

ホームエクイティレンディング市場規模：プロバイダータイプ別

ホームエクイティレンディング市場規模：ローン期間別

ホームエクイティレンディング市場規模：金利タイプ別

ホームエクイティレンディング市場規模：用途別

ホームエクイティレンディング市場規模