Scribd Logo
Upload

Welcome to Scribd!

  • Housing Finance

    Uploaded by

    pranab paul
    5 views6 pages
    Housing finance involves financial institutions raising money through various sources like deposits and borrowings to lend to home buyers through mortgages secured by the residential property title deeds. Key housing finance institutions include commercial banks, cooperative banks, rural banks, and housing finance companies. Common housing loans are for home equity, home extension, improvement, purchase, land purchase, and loans to self-help groups. Housing financiers must manage risks like credit, liquidity, foreign exchange, and interest rate risks. The National Housing Bank regulates and supervises housing finance companies and promotes housing finance development.

    Original Description:

    Original Title

    Housing Finance.pptx

    Copyright

    © © All Rights Reserved

    Available Formats

    PPTX, PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    Report this Document
    Housing finance involves financial institutions raising money through various sources like deposits and borrowings to lend to home buyers through mortgages secured by the residential property title deeds. Key housing finance institutions include commercial banks, cooperative banks, rural banks, and housing finance companies. Common housing loans are for home equity, home extension, improvement, purchase, land purchase, and loans to self-help groups. Housing financiers must manage risks like credit, liquidity, foreign exchange, and interest rate risks. The National Housing Bank regulates and supervises housing finance companies and promotes housing finance development.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    5 views6 pages

    Housing Finance

    Uploaded by

    pranab paul
    Housing finance involves financial institutions raising money through various sources like deposits and borrowings to lend to home buyers through mortgages secured by the residential property title deeds. Key housing finance institutions include commercial banks, cooperative banks, rural banks, and housing finance companies. Common housing loans are for home equity, home extension, improvement, purchase, land purchase, and loans to self-help groups. Housing financiers must manage risks like credit, liquidity, foreign exchange, and interest rate risks. The National Housing Bank regulates and supervises housing finance companies and promotes housing finance development.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 6

    Housing Finance

    Housing Finance
    • Housing Finance is a business of financial
    intermediation wherein the money raised
    through various sources such as public
    deposits, institutional borrowings, refinance
    from NHB and their own capital is lent to
    borrowers for purchasing a house.
    • Money is lent by accepting mortgage by
    deposit of title deeds of the residential
    property
    Housing Finance Institutions (HFIs)
    1. Scheduled Commercial Banks
    2. Scheduled Cooperative Banks
    3. Regional Rural Banks
    4. Agriculture and Rural Development Banks
    5. Housing Finance Companies
    Types of Housing Loans
    1. Home-equity loans
    2. Home-extension loans
    3. Home-improvement loans
    4. Home-purchase loans
    5. Land-purchase loans
    6. Home loans to self-help groups / Micro-
    finance institutions
    7. Loans to NRIs
    Risk Management
    • Credit Risk
    • Liquidity risk
    • Foreign-exchange risk
    • Interest rate risk
    National Housing Bank
    • Established in 1988 under an act of parliament
    the National Housing Bank Act, 1987
    • Functions: Regulation and Supervision of
    HFCs, Financing and Promotion &
    Development
    • Principal agency to promote housing finance
    institutions and to provide financial and other
    support to such institutions

    You might also like