The Housing Finance System

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A. Primary Housing Finance Market

A.1 Industry Structure and Performance
VariableEnd of 2013End of 2012End of 2011SourcesVar ID
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 2013End of 2012End of 2011SourcesVar ID
Total amount of home mortgage loans outstanding at the end of year in millions of USD:1,635.91 USD (millions)1,627.48 USD (millions)1,578.77 USD (millions)
CNBS
A.2.1
Total amount of home mortgage loans outstanding at the end of year as % of GDP (current)8.67%8.8%8.95%
CNBS
A.2.1.1
Total amount of home mortgages made in calender year in millions of USD 120.09 USD (millions)142.91 USD (millions)A.2.3
and as % of GDP (current)  .66%.82%
Banco Hondureño para la Producción y la Vivienda
A.2.3.1
and as % of all credits originated in calender year 53.36%57.37%A.2.3.2
A.3 Housing Finance Products
VariableEnd of 2013End of 2012End of 2011SourcesVar 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
Mortgage pmt-to-income ratio A.3.10
A.4 Lending and Servicing Process
VariableEnd of 2013End of 2012End of 2011SourcesVar 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 2013End of 2012End of 2011SourcesVar ID
What are the main funding sources for mortgages?B.1
Retail funding (deposits/other)Primary  
CNBS
B.1.1
Other Secondary  
CNBS
B.1.5
C. Housing Microfinance
VariableEnd of 2013End of 2012End of 2011SourcesVar ID
Types of lenders operating in the housing micro-finance (HMF) sector:C.2
Level of NPLs (>90 days past due) in HMFC.4
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Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: 12,503.8 million lempiras with an exchange rate 1 USD equal to 18.90 Lempiras
Notes: 18,393.4 million lempiras with an exchange rate 1 USD equal to 18.90 Lempiras
Notes: 23,068.4 million lempiras with an exchange rate 1 USD equal to 18.90 Lempiras
Notes: 25,075.1 million lempiras with an exchange rate 1 USD equal to 18.90 Lempiras
Notes: 26,913.9 million lempiras with an exchange rate 1 USD equal to 18.90 Lempiras
Notes: 30,073.0 million lempiras with an exchange rate 1 USD equal to 19.05 Lempiras
Notes: 32,488.3 million lempiras with an exchange rate 1 USD equal to 19.96 Lempiras
Notes: 33,683.5 million lempiras with an exchange rate 1 USD equal to 20.59 Lempiras
Notes: 5,112.5 million lempiras with an exchange rate of 1 USD equal to 15.92 Lempiras
Notes: 5,779.9 million lempiras with an exchange rate 1 USD equal to 16.92 Lempiras
Notes: 6,738.7 million lempiras with an exchange rate 1 USD equal to 17.75 Lempiras
Notes: 8,033.6 million lempiras with an exchange rate 1 USD equal to 18.63 Lempiras
Notes: 9,448.5 million lempiras with an exchange rate 1 USD equal to 18.90 Lempiras
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed includes five housing finance related activities: housing purchase, lot and construction, housing construction, lot purchase, and improvements. (Compra de vivienda, lote y construccion, construccion de vivienda, compra de lote y mejoras), which is extracted from the total in housing sector.
Notes: Figure listed is only based on total credits to production and housing sector, including: Housing, Micro-credit, Production and Real Estate sectors.
Notes: Figure listed is only based on total credits to production and housing sector, including: Housing, Micro-credit, Production and Real Estate sectors.
Notes: Figure listed is only based on total credits to production and housing sector, including: Housing, Micro-credit, Production and Real Estate sectors.
Notes: Figure listed is only based on total credits to production and housing sector, including: Housing, Micro-credit, Production and Real Estate sectors.
Notes: Figure listed is only based on total credits to production and housing sector, including: Housing, Micro-credit, Production and Real Estate sectors.
Notes: Figure listed is only based on total credits to production and housing sector, including: Housing, Micro-credit, Production and Real Estate sectors.
Notes: Figure listed is only based on total credits to production and housing sector, including: Housing, Micro-credit, Production and Real Estate sectors.
Notes: Government agencies, especially the Honduran Bank of Production and Housing