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市場調查報告書
商品編碼
1522793

全球再融資市場規模研究（按類型、貸方、最終用戶和 2022-2032 年區域預測）

Global Refinance Market Size study, by Type, by Lenders, by End User, and Regional Forecasts 2022-2032
出版日期: | 出版商: Bizwit Research & Consulting LLP | 英文 200 Pages | 商品交期: 2-3個工作天內

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簡介目錄

2023 年全球再融資市場價值約為 199.6 億美元，預計在 2024-2032 年預測期內將以超過 8.78% 的健康成長率成長。再融資是指以新貸款取代現有貸款的過程，通常是為了受益於更優惠的條款，例如較低的利率、減少每月還款或改變貸款結構。借款人選擇再融資來改善其財務狀況，要么通過提高信用評分來獲得更好的利率，要么利用較低的市場利率。此流程適用於各種類型的貸款，包括抵押貸款、汽車貸款和學生貸款。透過再融資，借款人可以在貸款期限內節省資金，更快地還清債務，或調整還款計劃以更好地適應當前的財務狀況。

全球再融資市場的擴張是由政府不斷增加的促進再融資選擇的舉措和計劃以及促進全球在線再融資應用的數位技術的快速採用推動的。世界各國政府都認知到再融資作為增強金融穩定和刺激經濟成長工具的重要性。這些措施通常包括有利的政策、激勵措施和監管改革，旨在使再融資對消費者和企業更容易獲得和更具吸引力。透過降低利率、提供稅收優惠和簡化申請流程，這些計劃鼓勵借款人為現有貸款再融資，從而減輕他們的財務負擔，並騰出資金用於其他投資。此外，線上再融資平台的出現透過為借款人提供更容易獲得和簡化的服務，對市場成長產生積極影響。然而，市場面臨著缺乏再融資服務意識和可及性以及安全和隱私問題等挑戰。

全球再融資市場研究涵蓋的關鍵地區包括亞太地區、北美、歐洲、拉丁美洲和世界其他地區。 2023年，北美在再融資市場佔有率中佔據主導地位，預計在預測期內將保持領先地位。富國銀行、美國銀行和 Ally Financial Inc. 等主要市場參與者的存在對該地區的市場成長做出了重大貢獻。此外，在接受房屋貸款的城市人口不斷增加以及抵押貸款再融資選擇日益增多的推動下，亞太地區預計將大幅成長。

目錄

第 1 章：全球再融資市場執行摘要

  • 全球再融資市場規模及預測（2022-2032）
  • 區域概要
  • 分部摘要
    • 按類型
    • 透過貸款人
    • 按最終用戶
  • 主要趨勢
  • 經濟衰退的影響
  • 分析師推薦與結論

第 2 章：全球再融資市場定義與研究假設

  • 研究目的
  • 市場定義
  • 研究假設
    • 包容與排除
    • 限制
    • 供給側分析
      • 可用性
      • 基礎設施
      • 監管環境
      • 市場競爭
      • 經濟可行性（消費者的角度）
    • 需求面分析
      • 監理框架
      • 技術進步
      • 環境考慮
      • 消費者意識和接受度
  • 估算方法
  • 研究涵蓋的年份
  • 貨幣兌換率

第 3 章：全球再融資市場動態

  • 市場促進因素
    • 不斷增加的政府措施和計劃
    • 數位技術採用率的提高
    • 線上再融資應用程式的出現
  • 市場挑戰
    • 缺乏意識和可及性
    • 安全問題和隱私問題
  • 市場機會
    • 現有產品線的技術進步
    • 新興經濟體尚未開發的潛力

第 4 章：全球再融資市場產業分析

  • 波特的五力模型
    • 供應商的議價能力
    • 買家的議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭競爭
    • 波特五力模型的未來方法
    • 波特的五力影響分析
  • PESTEL分析
    • 政治的
    • 經濟
    • 社會的
    • 技術性
    • 環境的
    • 合法的
  • 頂級投資機會
  • 最佳制勝策略
  • 顛覆性趨勢
  • 產業專家視角
  • 分析師推薦與結論

第 5 章：2022-2032 年全球再融資市場規模及類型預測

  • 細分儀表板
  • 全球再融資市場：類型收入趨勢分析，2022 年和 2032 年
    • 抵押貸款再融資
    • 汽車貸款再融資
    • 學生貸款再融資
    • 個人貸款再融資
    • 商業貸款再融資

第 6 章：2022-2032 年全球再融資市場規模及貸款機構預測

  • 細分儀表板
  • 全球再融資市場：2022 年和 2032 年貸款人收入趨勢分析
    • 銀行
    • 非銀行金融公司
    • 其他

第 7 章：2022-2032 年全球再融資市場規模及最終用戶預測

  • 細分儀表板
  • 全球再融資市場：2022 年和 2032 年最終用戶收入趨勢分析
    • 個人
    • 企業

第 8 章：2022-2032 年全球再融資市場規模及地區預測

  • 北美再融資市場
    • 美國再融資市場
      • 2022-2032 年型別細分規模與預測
      • 2022-2032 年貸款機構細分規模與預測
    • 加拿大再融資市場
  • 歐洲再融資市場
    • 英國再融資市場
    • 德國再融資市場
    • 法國再融資市場
    • 西班牙再融資市場
    • 義大利再融資市場
    • 歐洲其他地區再融資市場
  • 亞太再融資市場
    • 中國再融資市場
    • 印度再融資市場
    • 日本再融資市場
    • 澳洲再融資市場
    • 韓國再融資市場
    • 亞太地區其他地區再融資市場
  • 拉丁美洲再融資市場
    • 巴西再融資市場
    • 墨西哥再融資市場
    • 拉丁美洲其他地區再融資市場
  • 中東和非洲再融資市場
    • 沙烏地阿拉伯再融資市場
    • 南非再融資市場
    • 中東其他地區及非洲再融資市場

第 9 章：競爭情報

  • 重點企業SWOT分析
  • 頂級市場策略
  • 公司簡介
    • Better Holdco, Inc
      • 關鍵訊息
      • 概述
      • 財務（視數據可用性而定）
      • 產品概要
      • 市場策略
    • Bank of America Corporation
    • Wells Fargo & Company
    • Caliber Home Loans, Inc.
    • loanDepot.com, LLC
    • Ally Financial Inc.
    • Rocket Companies, Inc
    • RefiJet
    • Citigroup Inc.
    • JPMorgan Chase & Co.

第 10 章：研究過程

  • 研究過程
    • 資料探勘
    • 分析
    • 市場預測
    • 驗證
    • 出版
  • 研究屬性
簡介目錄

Global Refinance Market is valued approximately at USD 19.96 billion in 2023 and is anticipated to grow with a healthy growth rate of more than 8.78% over the forecast period 2024-2032. Refinance refers to the process of replacing an existing loan with a new one, typically to benefit from more favorable terms such as lower interest rates, reduced monthly payments, or a change in the loan structure. Borrowers opt for refinancing to improve their financial situation, either by securing a better rate due to improved credit scores or taking advantage of lower market rates. This process can apply to various types of loans, including mortgages, auto loans, and student loans. Through refinancing, borrowers can potentially save money over the life of the loan, pay off debts more quickly, or adjust their payment schedules to better suit their current financial circumstances.

The Global Refinance Market expansion is driven by increasing government initiatives and programs promoting refinancing options, and the rapid adoption of digital technologies facilitating online refinance applications across the world. Governments worldwide are recognizing the importance of refinancing as a tool to enhance financial stability and stimulate economic growth. These initiatives often include favorable policies, incentives, and regulatory reforms designed to make refinancing more accessible and attractive to consumers and businesses. By lowering interest rates, providing tax benefits, and simplifying the application processes, these programs encourage borrowers to refinance existing loans, thereby reducing their financial burdens and freeing up capital for other investments. Moreover, the emergence of online refinancing platforms positively influences market growth by providing more accessible and streamlined services to borrowers. However, the market faces challenges such as a lack of awareness and accessibility to refinancing services, along with security and privacy concerns.

The key regions considered for the Global Refinance Market study includes Asia Pacific, North America, Europe, Latin America, and Rest of the World. In 2023, North America dominated the refinance market share and is expected to maintain its leading position during the forecast period. The presence of major market players such as Wells Fargo & Company, Bank of America, and Ally Financial Inc., significantly contributes to the region's market growth. Furthermore, the Asia-Pacific region is projected to witness substantial growth, driven by the rising urban population embracing home loans and the increasing availability of mortgage loan refinancing options.

Major market player included in this report are:

  • Better Holdco, Inc.
  • Bank of America Corporation
  • Wells Fargo & Company
  • Caliber Home Loans, Inc.
  • loanDepot.com, LLC
  • Ally Financial Inc
  • Rocket Companies, Inc
  • RefiJet
  • Citigroup Inc.
  • JPMorgan Chase & Co.

The detailed segments and sub-segment of the market are explained below:

By Type:

  • Mortgage Refinancing
  • Auto Loan Refinancing
  • Student Loan Refinancing
  • Personal Loan Refinancing
  • Business Loan Refinancing

By Lenders:

  • Banks
  • NBFC's
  • Others

By End User:

  • Individuals
  • Businesses

By Region:

  • North America
  • U.S.
  • Canada
  • Europe
  • UK
  • Germany
  • France
  • Spain
  • Italy
  • ROE
  • Asia Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
  • RoAPAC
  • Latin America
  • Brazil
  • Mexico
  • Middle East & Africa
  • Saudi Arabia
  • South Africa
  • RoMEA

Years considered for the study are as follows:

  • Historical year - 2022
  • Base year - 2023
  • Forecast period - 2024 to 2032

Key Takeaways:

  • Market Estimates & Forecast for 10 years from 2022 to 2032.
  • Annualized revenues and regional level analysis for each market segment.
  • Detailed analysis of geographical landscape with Country level analysis of major regions.
  • Competitive landscape with information on major players in the market.
  • Analysis of key business strategies and recommendations on future market approach.
  • Analysis of competitive structure of the market.
  • Demand side and supply side analysis of the market

Table of Contents

Chapter 1. Global Refinance Market Executive Summary

  • 1.1. Global Refinance Market Size & Forecast (2022-2032)
  • 1.2. Regional Summary
  • 1.3. Segmental Summary
    • 1.3.1. By Type
    • 1.3.2. By Lenders
    • 1.3.3. By End User
  • 1.4. Key Trends
  • 1.5. Recession Impact
  • 1.6. Analyst Recommendation & Conclusion

Chapter 2. Global Refinance Market Definition and Research Assumptions

  • 2.1. Research Objective
  • 2.2. Market Definition
  • 2.3. Research Assumptions
    • 2.3.1. Inclusion & Exclusion
    • 2.3.2. Limitations
    • 2.3.3. Supply Side Analysis
      • 2.3.3.1. Availability
      • 2.3.3.2. Infrastructure
      • 2.3.3.3. Regulatory Environment
      • 2.3.3.4. Market Competition
      • 2.3.3.5. Economic Viability (Consumer's Perspective)
    • 2.3.4. Demand Side Analysis
      • 2.3.4.1. Regulatory frameworks
      • 2.3.4.2. Technological Advancements
      • 2.3.4.3. Environmental Considerations
      • 2.3.4.4. Consumer Awareness & Acceptance
  • 2.4. Estimation Methodology
  • 2.5. Years Considered for the Study
  • 2.6. Currency Conversion Rates

Chapter 3. Global Refinance Market Dynamics

  • 3.1. Market Drivers
    • 3.1.1. Rising Government Initiatives and Programs
    • 3.1.2. Increase in Adoption of Digital Technologies
    • 3.1.3. Emergence of Online Refinance Applications
  • 3.2. Market Challenges
    • 3.2.1. Lack of Awareness and Accessibility
    • 3.2.2. Security Issues and Privacy Concerns
  • 3.3. Market Opportunities
    • 3.3.1. Technological Advancements in Existing Product Lines
    • 3.3.2. Untapped Potential in Emerging Economies

Chapter 4. Global Refinance Market Industry Analysis

  • 4.1. Porter's 5 Force Model
    • 4.1.1. Bargaining Power of Suppliers
    • 4.1.2. Bargaining Power of Buyers
    • 4.1.3. Threat of New Entrants
    • 4.1.4. Threat of Substitutes
    • 4.1.5. Competitive Rivalry
    • 4.1.6. Futuristic Approach to Porter's 5 Force Model
    • 4.1.7. Porter's 5 Force Impact Analysis
  • 4.2. PESTEL Analysis
    • 4.2.1. Political
    • 4.2.2. Economical
    • 4.2.3. Social
    • 4.2.4. Technological
    • 4.2.5. Environmental
    • 4.2.6. Legal
  • 4.3. Top investment opportunity
  • 4.4. Top winning strategies
  • 4.5. Disruptive Trends
  • 4.6. Industry Expert Perspective
  • 4.7. Analyst Recommendation & Conclusion

Chapter 5. Global Refinance Market Size & Forecasts by Type 2022-2032

  • 5.1. Segment Dashboard
  • 5.2. Global Refinance Market: Type Revenue Trend Analysis, 2022 & 2032 (USD Billion)
    • 5.2.1. Mortgage Refinancing
    • 5.2.2. Auto Loan Refinancing
    • 5.2.3. Student Loan Refinancing
    • 5.2.4. Personal Loan Refinancing
    • 5.2.5. Business Loan Refinancing

Chapter 6. Global Refinance Market Size & Forecasts by Lenders 2022-2032

  • 6.1. Segment Dashboard
  • 6.2. Global Refinance Market: Lenders Revenue Trend Analysis, 2022 & 2032 (USD Billion)
    • 6.2.1. Banks
    • 6.2.2. NBFC's
    • 6.2.3. Others

Chapter 7. Global Refinance Market Size & Forecasts by End User 2022-2032

  • 7.1. Segment Dashboard
  • 7.2. Global Refinance Market: End User Revenue Trend Analysis, 2022 & 2032 (USD Billion)
    • 7.2.1. Individuals
    • 7.2.2. Businesses

Chapter 8. Global Refinance Market Size & Forecasts by Region 2022-2032

  • 8.1. North America Refinance Market
    • 8.1.1. U.S. Refinance Market
      • 8.1.1.1. Type breakdown size & forecasts, 2022-2032
      • 8.1.1.2. Lenders breakdown size & forecasts, 2022-2032
    • 8.1.2. Canada Refinance Market
  • 8.2. Europe Refinance Market
    • 8.2.1. U.K. Refinance Market
    • 8.2.2. Germany Refinance Market
    • 8.2.3. France Refinance Market
    • 8.2.4. Spain Refinance Market
    • 8.2.5. Italy Refinance Market
    • 8.2.6. Rest of Europe Refinance Market
  • 8.3. Asia-Pacific Refinance Market
    • 8.3.1. China Refinance Market
    • 8.3.2. India Refinance Market
    • 8.3.3. Japan Refinance Market
    • 8.3.4. Australia Refinance Market
    • 8.3.5. South Korea Refinance Market
    • 8.3.6. Rest of Asia Pacific Refinance Market
  • 8.4. Latin America Refinance Market
    • 8.4.1. Brazil Refinance Market
    • 8.4.2. Mexico Refinance Market
    • 8.4.3. Rest of Latin America Refinance Market
  • 8.5. Middle East & Africa Refinance Market
    • 8.5.1. Saudi Arabia Refinance Market
    • 8.5.2. South Africa Refinance Market
    • 8.5.3. Rest of Middle East & Africa Refinance Market

Chapter 9. Competitive Intelligence

  • 9.1. Key Company SWOT Analysis
  • 9.2. Top Market Strategies
  • 9.3. Company Profiles
    • 9.3.1. Better Holdco, Inc
      • 9.3.1.1. Key Information
      • 9.3.1.2. Overview
      • 9.3.1.3. Financial (Subject to Data Availability)
      • 9.3.1.4. Product Summary
      • 9.3.1.5. Market Strategies
    • 9.3.2. Bank of America Corporation
    • 9.3.3. Wells Fargo & Company
    • 9.3.4. Caliber Home Loans, Inc.
    • 9.3.5. loanDepot.com, LLC
    • 9.3.6. Ally Financial Inc.
    • 9.3.7. Rocket Companies, Inc
    • 9.3.8. RefiJet
    • 9.3.9. Citigroup Inc.
    • 9.3.10. JPMorgan Chase & Co.

Chapter 10. Research Process

  • 10.1. Research Process
    • 10.1.1. Data Mining
    • 10.1.2. Analysis
    • 10.1.3. Market Estimation
    • 10.1.4. Validation
    • 10.1.5. Publishing
  • 10.2. Research Attributes