Welcome to Scribd, the world's digital library. Read, publish, and share books and documents. See more
Standard view
Full view
of .
Look up keyword
Like this
0 of .
Results for:
No results containing your search query
P. 1
31-10-06_Indian Home Mortgage Overview_at

31-10-06_Indian Home Mortgage Overview_at

Ratings: (0)|Views: 195|Likes:
Published by api-3812876
indian overview of banking softwares
indian overview of banking softwares

More info:

Published by: api-3812876 on Oct 17, 2008
Copyright:Attribution Non-commercial


Read on Scribd mobile: iPhone, iPad and Android.
download as DOC, PDF, TXT or read online from Scribd
See more
See less





Indian Home Mortgage Overview

Indian Economy is growing at a nice pace (8% p.a) which is also driving per capita
income rise. The demand of real estate has reached at a new peak according to ninth five
year plan there is a shortage of 42million houses .But in India the figures to GDP are
smaller in comparison to the other countries
Contribution of housing to GDP is close to 8%.Sources: NHB

Indian Market for Home loans is more than Rs.500,000 crore

Today, not only the metros are witnessing the housing crunch even the second tier cities like- Jaipur, Bhubneshwar, Lucknow, Trivendrum etc. are falling into the dearth of living space and wanting for more expansion.

India Report:
Indian credit report in comparison to the other Asian countries is shown in the statistics
below, which is among the lowest. It is Indian psyche that credit is termed bad, Indian are
traditionally not inclined to take credit this reflects in the figures below

Indian Mortgage Industry

Indian Home Mortgage industry is growing at a fast pace 30% per annum, this can be
seen in the stats shown below with average ticket size(loan size) and Amount disbursed is
rising every year the opportunities have become more dominant for different organization
in India . The demand drivers are fast growing middle class population, rise in working
women workforce, bigger aspirations of youth, Tax saving, Transparency in the real
estate market .

sources: ICICI bank

Still in comparison to other nations India has a long way to go, The figures shown below
shows that even the GDP/mortgage ratio is low which indicates that credit is not well
sought as figure below shows the average percentage of mortgage to GDP

sources: ICICI bank

Comparison with other nations India fall behind in terms of Mortgage Penetration which
directly demonstrates the potential in Indian market for Housing mortgage finance

Sources: RBI

Activity (4)

You've already reviewed this. Edit your review.
1 hundred reads
gullybaba liked this
gullybaba liked this
webrohan liked this

You're Reading a Free Preview

/*********** DO NOT ALTER ANYTHING BELOW THIS LINE ! ************/ var s_code=s.t();if(s_code)document.write(s_code)//-->