Financial Data

Spatial Financial
Intelligence

Household financial indices, market dimensions and automated valuations - spatial data linked to consumer credit and property markets at subplace level across South Africa.

Household Financial IndexMarket DimensionsAutomated ValuationsSubplace LevelSouth Africa
Financial Data Products

Three datasets, one spatial framework

Household, market and property-level financial intelligence, each delivered at subplace resolution and designed to plug into credit, lending and valuation workflows.

HFI

Household Financial Index (HFI)

A composite index evaluating household income capacity using property valuation, size, owner age, property type and demographic data - providing a spatially referenced proxy for household financial standing.

Use cases - Credit risk assessment, market sizing, consumer financial inclusion, direct marketing targeting, branch location analysis.

  • Property valuation as income proxy
  • Property size and type weighting
  • Owner age demographic adjustment
  • Subplace-level spatial aggregation
  • Consumer credit risk scoring
  • South Africa national coverage
MFD

Market Financial Dimensions (MFD)

Subplace property analytics delivering deep market intelligence including growth momentum, loan statistics, downturn dynamics, trading liquidity, loan-to-value metrics, distressed valuations and price per square metre classifications.

Use cases - Mortgage portfolio risk management, property investment analysis, market research, subplace-level economic intelligence.

  • Growth Momentum indices
  • Loan & mortgage statistics
  • Downturn Dynamics scoring
  • Trading liquidity metrics
  • Loan-to-Value (LTV) analysis
  • Distressed valuation flags
  • Price per sqm classifications
  • Market cycle indicators
AVM

Automated Property Valuations (AVM)

Residential market value estimates for individual properties using quarterly escalation rates, property specifications and comparable sales data - delivering defensible automated valuations at scale.

Use cases - Mortgage origination, portfolio monitoring, insurance sum insured estimates, collateral assessment, property tax administration.

  • Individual property market value estimates
  • Quarterly escalation rate updates
  • Property specification inputs
  • Comparable sales methodology
  • Confidence interval outputs
  • Bulk portfolio valuation capability
Coverage

Geographic focus

Every dataset is national, subplace-resolved and refreshed on a fixed cadence.

Subplace resolution

All financial data is aggregated and delivered at subplace level - the finest geographic granularity available from Statistics South Africa.

National coverage

Full South Africa coverage for all three financial data products - HFI, MFD and AVM.

Quarterly updates

AVM escalation rates and market dimension metrics are refreshed quarterly to reflect current market conditions.

Access spatial financial intelligence

HFI, MFD and AVM data available via API and bulk delivery. Contact our team to discuss your data requirements.

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