The Housing Finance System

Text bolded/green below shows notes and variable definitions when you roll over. If you cannot see the notes, please download an Excel version from the Research Center, which includes notes. Also, a PDF featuring variable definitions is available in the document list under "Definition of Hofinet Variables".

 

A. Primary Housing Finance Market

A.1 Industry Structure and Performance
VariableEnd of 2015End of 2014End of 2013SourcesVar ID
Number of firms originating and funding mortgage loans161616
The Liechtenstein Banking Center
A.1.1
Types of originating lenders/market share:A.1.2
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
VariableEnd of 2015End of 2014End of 2013SourcesVar ID
Total amount of home mortgage loans outstanding at the end of year in millions of USD:10,424.84 USD (millions)10,284.73 USD (millions)10,976.13 USD (millions)
Bankstatistik
A.2.1
Total amount of home mortgage loans outstanding at the end of year as % of GDP (current)40.62%43.06%45.08%
Bankstatistik
A.2.1.1
A.3 Housing Finance Products
VariableEnd of 2015End of 2014End of 2013SourcesVar 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 LTV808080
Liechtensteinische Landesbank
A.3.8.1
Maximum term over which pmt is calculated? 10 years10 years10 years
Liechtensteinische Landesbank
A.3.9
Mortgage pmt-to-income ratio A.3.10
A.4 Lending and Servicing Process
VariableEnd of 2015End of 2014End of 2013SourcesVar ID
Which institutions define underwriting rules? A.4.2
A.5 Credit Risk Assessment
B. Funding Sources for Mortgages and the Secondary Mortgage Market
VariableEnd of 2015End of 2014End of 2013SourcesVar ID
What are the main funding sources for mortgages?B.1
C. Housing Microfinance
VariableEnd of 2015End of 2014End of 2013SourcesVar ID
Types of lenders operating in the housing micro-finance (HMF) sector:C.2
Level of NPLs (>90 days past due) in HMFC.4
back to top | Country Data:
Notes: Increase from 5 to 16 licensed banks in 1996
Notes: Indefinite term for variable mortgage loan while 2 - 10 years for fixed mortgage loan
Notes: Indefinite term for variable mortgage loan while 2 - 10 years for fixed mortgage loan
Notes: Indefinite term for variable mortgage loan while 2 - 10 years for fixed mortgage loan
Notes: Indefinite term for variable mortgage loan while 2 - 10 years for fixed mortgage loan
Notes: Indefinite term for variable mortgage loan while 2 - 10 years for fixed mortgage loan
Notes: Indefinite term for variable mortgage loan while 2 - 10 years for fixed mortgage loan
Notes: Liechtenstein Office of Statistics
Notes: Liechtenstein Office of Statistics
Notes: Total Number of Commercial Banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks
Notes: Total number of commercial banks