Auto loans: did you know how income impacts loans across Europe?

Auto loans: did you know how income impacts loans across Europe? By analysing more than 4.7 Mio Auto loans stored in our unique database and securitised between 2008 and 2017, we are able to observe the Original Loan to Value (OLTV) behaviour based on the borrower’s salary band. Interestingly, the data highlights that salary bands … Continued

Insights on the Original Loan to Value (OLTV) in France

Insights on the Original Loan to Value (OLTV) in France By analysing more than 2.6 mm RMBS loans originated in France and securitised between 2013 and 2016, we are able to identify the relationship between the OLTV distribution and the départements in the French housing market. Facts: The highest average OLTVs are seen in the Northern border départements … Continued

Insights on Securitisation by industry in Europe

Insights on Securitisation by industry in Europe From accommodation and food service activities, to agriculture forestry and fishing, to arts, entertainment and recreation, to education and construction, did you know how each industry has evolved over time and across countries? By analysing more than 2 mm SME loans stored in our database, we were able … Continued

Focus of the week: distribution of BMW models within its brand

Focus of the week: distribution of BMW models within its brand It is well known that BMW is one of the largest vehicle manufacturers in the world, but did you know which models are the most popular with Germans within the Auto ABS market? By analysing more than 130K German securitised loans stored in our … Continued

Insights on mortgage loan terms

Insights on mortgage loan terms From Baby Boomers to Generation Y: borrower age differences have an impact on mortgage loan terms, but did you know that jurisdiction plays an important role as well?   By analysing more than 7Mio RMBS loans across Europe, we were able to identify the differences among countries and for each … Continued