Professional Documents
Culture Documents
CONTENTS
INTRODUCTION OBJECTIVES REFINANCE ASSISTANCE REFINANCE SCHEMES REVERSE MORTGAGE LOAN RURAL HOUSING FUND DEPOSIT SCHEMES ACTS/REGULATIONS NEW INITIATIVES CONCLUSION
INTRODUCTION
OBJECTIVES
To promote effective housing finance system and to integrate it with overall financial system. To promote housing finance institutions. To augment resources and channelize them for housing. To make housing credit more affordable. To regulate the activities of housing finance companies. To augment supply of buildable land and building materials for housing. To encourage public agencies in this field.
REFINANCE ASSISTANCE
PLIs provide finance to individual borrowers, builders, corporate houses etc for purchase/construct or repair/ upgradation of houses. The institutions which are eligible to take refinance from NHB are HFCs Scheduled Banks RRBs MFIs ACIs ACHFSs SCARDBs
REFINANCE SCHEMES
Direct housing loans up to 15 laks disbursed by HFCs to individuals for constructing new houses. Extension and renovation loans up to 5 laks. Housing loans under PHIRA program. Other assistance by HFCs under Subsidy-Cum-Self Finance schemes of Government.
DEPOSIT SCHEMES
NHB SUNIDHI Term Deposit Scheme. 2. NHB SUVRIDDHI (Tax Saving) Term Deposit Scheme. 3. Special Term Deposit Scheme for HFCs.
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NEW INITIATIVES
Housing Micro Finance 2. Energy Efficient Housing 3. Home Loan Councelling 4. NHB Residex
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CONCLUSION
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