| Study Period | 2020 - 2030 |
| Base Year For Estimation | 2024 |
| Forecast Data Period | 2025 - 2030 |
| Market Size (2025) | USD 38.16 Billion |
| Market Size (2030) | USD 68.95 Billion |
| CAGR (2025 - 2030) | 12.56 % |
| Market Concentration | Medium |
Major Players*Disclaimer: Major Players sorted in no particular order |
China Mortgage/Loan Brokers Market Analysis
The China Mortgage/Loan Brokers Market size is estimated at USD 38.16 billion in 2025, and is expected to reach USD 68.95 billion by 2030, at a CAGR of 12.56% during the forecast period (2025-2030).
The China’s mortgage loan broker market is a dynamic sector. Mortgage loan brokers in Japan have tremendous business opportunities, particularly in assisting first-time homebuyers and those looking to relocate or upgrade their residences.
The mortgage loan industry in China is undergoing a digital transformation. Brokers increasingly leverage technology to streamline processes, enhance customer experiences, and offer online mortgage application platforms. Moreover, regulatory changes are influencing the mortgage market.
Initiatives by the government to encourage responsible lending and protect consumer interests have affected the way mortgage loan brokers operate. Staying compliant with evolving regulations is a critical aspect of their business. Trends such as digital transformation, diverse financing options, regulatory changes, customized solutions, and refinancing opportunities are supporting the market’s growth.
China Mortgage/Loan Brokers Market Trends
Change in Monetary factors affecting China Mortgage/Loan Brokers market.
China has continuously declined its base rate, with the current rate standing at 3.650%. As interest rate plays a major role in economic activities, an increase in interest signifies a trend of increase in inflation. In contrast, a reduction in interest signifies accommodative policies of banks and financial institutions for increasing economic activities and investments. With a decline in interest rate, mortgage loans play a major role when there is no collateral. Therefore, a decline in interest rates will allow the people of China to access a loan without any collateral.
Other than this, an increase in land and real estate prices makes, lending agencies assured of being able to recover in case of a default. Real estate had observed a continuous increase in sales prices in China, creating a positive outlook for borrowers and loan-issuing agencies for mortgage loans.
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Banking Penetration affecting Loan Mortgage Real estate market.
As a developed nation and an economic hub globally, China connected almost 80% of its population to banking facilities, making it easier for them to deposit and credit money. With a continuous increase in mobile internet users, all the banking facilities are available on mobile through which people can apply for mortgage loans, and banks can make their facilities available to customers without making them arrive in person.
For state-owned commercial banks, the total loan amount had continuously increased, rising to 103 trillion Yuan (14.56 USD trillion) last year. With all these increases in banking penetration, a negative effect is also been observed with an increasing Non-performing loans, making banks take a precautionary approach while lending.
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China Mortgage/Loan Brokers Industry Overview
China, as one of the largest economies globally, is operating with four major banks, which include the Industrial and Commercial Bank of China, The China Construction Bank, The agriculture Bank of China and the Bank of China. These banks are under the direct control of the state. Other than these Largest banks by asset size operating in China are the Postal Saving Bank of China, Industrial Bank (China), China Merchants Bank, China Minsheng Bank, China Citic Bank and Ping An Bank, etc.
China Mortgage/Loan Brokers Market Leaders
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Industrial and Commercial Bank of China
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The China Construction Bank
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China Merchants Bank
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China Citic Bank
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China Minsheng Bank
- *Disclaimer: Major Players sorted in no particular order
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China Mortgage/Loan Brokers Market News
- In September 2023, the Agricultural Bank of China (ABC), one of the four major state-owned banks in the country, launched a global matchmaking platform during the Belt and Road Agricultural Cooperation and Development Forum in Beijing.
- In June 2023, HSBC Bank (China) Company Limited acquired Citi’s retail wealth management portfolio in mainland China.
China Mortgage/Loan Brokers Industry Segmentation
A mortgage loan is a type of secured loan where the borrower avails funds by providing assets as collateral to the lender; it is usually sanctioned against an immovable asset like a house or a commercial property. China has observed a continuous increase in the price of its residential property with a stable interest rate, and this leads to a mortgage loan as a beneficial policy where even in case of default by the borrower, the bank will be able to recover its given amount through the high price of the property.
China mortgage/loan brokers market is segmented by type of mortgage loan, mortgage loan terms, interest rate, and provider. By type, the market is sub-segmented into conventional mortgage loans, jumbo loans, government-insured mortgage loans, and other types of mortgage loans. By mortgage loan terms provider, the market is sub-segmented into 30-year mortgages, 20-year mortgages, 15-year mortgages, and others. By interest rate, the market is sub-segmented into fixed-rate mortgage loans and adjustable-rate mortgage loans. By provider, the market is sub-segmented into primary mortgage lender and secondary mortgage lender. The report offers market size and forecasts for the china mortgage/loan brokers market in value (USD) for all the above segments.
| By Type of Mortgage Loan | Conventional Mortgage Loan |
| Jumbo Loans | |
| Government-insured Mortgage Loans | |
| Other Type of Mortgage Loans | |
| By Mortgage Loan Terms | 30- years Mortgage |
| 20-year Mortgage | |
| 15-year Mortgage | |
| Other Mortgage Loan Terms | |
| By Interest Rate | Fixed-Rate |
| Adjustable-Rate | |
| By Provider | Primary Mortgage Lender |
| Secondary Mortgage Lender |
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China Mortgage/Loan Brokers Market Research Faqs
How big is the China Mortgage/Loan Brokers Market?
The China Mortgage/Loan Brokers Market size is expected to reach USD 38.16 billion in 2025 and grow at a CAGR of 12.56% to reach USD 68.95 billion by 2030.
What is the current China Mortgage/Loan Brokers Market size?
In 2025, the China Mortgage/Loan Brokers Market size is expected to reach USD 38.16 billion.
Who are the key players in China Mortgage/Loan Brokers Market?
Industrial and Commercial Bank of China, The China Construction Bank, China Merchants Bank, China Citic Bank and China Minsheng Bank are the major companies operating in the China Mortgage/Loan Brokers Market.
What years does this China Mortgage/Loan Brokers Market cover, and what was the market size in 2024?
In 2024, the China Mortgage/Loan Brokers Market size was estimated at USD 33.37 billion. The report covers the China Mortgage/Loan Brokers Market historical market size for years: 2020, 2021, 2022, 2023 and 2024. The report also forecasts the China Mortgage/Loan Brokers Market size for years: 2025, 2026, 2027, 2028, 2029 and 2030.
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China Mortgage/Loan Brokers Industry Report
Statistics for the 2025 China Mortgage/Loan Brokers market share, size and revenue growth rate, created by Mordor Intelligence™ Industry Reports. China Mortgage/Loan Brokers analysis includes a market forecast outlook for 2025 to 2030 and historical overview. Get a sample of this industry analysis as a free report PDF download.
