Download or read book The Growth and Performance of Affordable Housing Finance Lenders in India written by Nadeem M. Karmali and published by . This book was released on 2022 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Anecdotal studies have highlighted the recent rapid growth of so-called affordable housing finance companies across India. These new lenders are reported to be using a high-touch approach common to microfinance to provide mortgages to households that are newer to credit, have irregular incomes, and live in smaller urban centers. As there is no specific license type for these lenders, this paper uses detailed credit bureau data to identify which lenders could be tagged as affordable housing finance companies. Using several classification techniques, the paper then assesses their growth and performance. The results vindicate the anecdotal studies and show that this nascent sector grew at an average annual compound growth rate of 27-32 percent between 2016 and 2020. Affordable housing finance companies have been able to lend to more marginalized borrowers who are newer to credit and do so in a markedly different way than other lenders. Delinquencies at affordable housing finance companies are higher only for smaller loans, while risk-adjusted lending spreads are higher for all affordable housing finance company loan sizes. This suggests that, thus far, the approach is profitable and sustainable. Looking forward, this lending model could be useful for other countries to explore given the incipient success in India, although there are crucial capital market and institutional features that are unique to India. The paper also discusses demand-side subsidies for mortgages in India and identifies opportunities to improve the targeting of the program.
Download or read book Housing Finance Mechanisms in India written by and published by UN-HABITAT. This book was released on 2008 with total page 61 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Housing Microfinance written by Franck Daphnis and published by Kumarian Press. This book was released on 2004 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: * First book to link housing and microfinance * Presents international and US experience As the premier book to provide a comprehensive overview of housing microfinance worldwide, Housing Microfinance sets the standard for future work in the field. The expert contributors combine wisdom from the separate fields of housing policy and microfinance, demonstrating what each can learn from the other. With solid guidance for practitioners and policymakers, the book reviews important issues for international and domestic microfinance institutions that are considering expanding into housing and for providers of conventional housing loans who seek to offer their services to poor clients who lack collateral or regular income.
Download or read book Operating performance of Housing Financial Institutions A comparative Study of Nationalised Banks and New Generation Banks written by Dr Anu antony and published by Archers & Elevators Publishing House. This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Housing Finance in India written by Dr. Ashwani Kumar Bhalla and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing finance is a high flying sector these days and is expected to grow at phenomenal growth rate (expected 36%). The banks and financial institutions have brought changes to their strategies as there is shift from buyers market to sellers market. Liberal tax rates by the Govt., low and competitive interest rates have made housing finance as really competitive. Keeping in view the current scenario the paper attempts to discuss the development, performance, problems, challenges and future prospects of housing finance as an industry segment.
Download or read book Competitive Dynamics of Indian Housing Finance Industry written by Dr. Ashwani Kumar Bhalla and published by . This book was released on 2015 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Growth in Housing and housing finance activities in recent years reflects the buoyant state of the housing finance market in the country. The financing institutions have come to see good value in funding this component of the economy. With a growing number of players, the housing sector is becoming increasingly market-driven. The affordability of housing loans clearly appears to have improved with fast-growing number of borrowers. The market has also witnessed change in lending practices in certain segments to accommodate customer needs, as on offshoot of increased competition and a buyers' market. There seems to be a high intensity of competition among different players of the housing finance industry. But this competition needs to be measured to observe the efficiency of the provision of housing finance services, the quality of housing finance products, and the degree of innovation in the sector, etc. The present paper is an attempt to measure the level of competition in Indian housing finance industry for the purpose of which Herfindahl-Hirschman index (HH Index) has been used as a tool for measuring the concentration.
Download or read book A Comparative Study Between Public and Private Housing Finance Companies HFCs in India written by Prof. S.V Satyanarayana and published by . This book was released on 2020 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A house is a basic necessity, a symbol of security, and a measure of socioeconomic status and pride. In India the policy reforms in the housing sector have led to an increase in the number of banking and non-banking financial institutions providing different types of housing finance services. In this regard, the public (HFCs) and private HFCs are operating at different levels to provide housing finances to all the sections of society. The present study is an attempt to comparatively analyze the financial performance of five public HFCs and five private HFCs in India for the period of 2009-2018. The collected data were analyzed using descriptive statistics in the form of means and a student t-test was conducted to compare the performance of public and private HFCs with regard to various financial ratios. The result showed that profitability, and operating ratios significantly influenced the financial performance of public and private HFCs. The present study calls for regulatory measures and policy reforms to improve the profitability and operating efficiency of both public and private HFCs. This study has an implication in improving the housing finance sector from the perspective of Indian HFCs.
Download or read book Housing Market Dynamics in Africa written by El-hadj M. Bah and published by Springer. This book was released on 2018-03-12 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access book utilizes new data to thoroughly analyze the main factors currently shaping the African housing market. Some of these factors include the supply and demand for housing finance, land tenure security issues, construction cost conundrum, infrastructure provision, and low-cost housing alternatives. Through detailed analysis, the authors investigate the political economy surrounding the continent’s housing market and the constraints that behind-the-scenes policy makers need to address in their attempts to provide affordable housing for the majority in need. With Africa’s urban population growing rapidly, this study highlights how broad demographic shifts and rapid urbanization are placing enormous pressure on the limited infrastructure in many cities and stretching the economic and social fabric of municipalities to their breaking point. But beyond providing a snapshot of the present conditions of the African housing market, the book offers recommendations and actionable measures for policy makers and other stakeholders on how best to provide affordable housing and alleviate Africa’s housing deficit. This work will be of particular interest to practitioners, non-governmental organizations, private sector actors, students and researchers of economic policy, international development, and urban development.
Download or read book Housing Finance in India written by K. S. R. N. Sarma and published by . This book was released on 1989 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Guide to Preparing a Housing Finance Strategy written by Raymond J. Struyk and published by UN-HABITAT. This book was released on 2009 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Affordable Housing and Infrastructure in India written by K. P. Bhattacharya and published by Reliance Publishing House. This book was released on 1998 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt: Papers presented at the 7th International Congress on Human Settlements in Developing Countries, held in Calcutta, in October 1993.
Download or read book The evolution of the State Bank of India written by Abhik Ray and published by Penguin Books India. This book was released on 2009 with total page 1110 pages. Available in PDF, EPUB and Kindle. Book excerpt: &Nbsp; Playing A Part In The Story Is A Cast Of Bankers Who Left Their Imprint On The Bank&Rsquo;S Policies, Practices And Character, Among Them A Series Of Remarkable Chairmen, Not To Speak Of The Hundreds Of Dedicated Officers And Other Employees Who Helped Establish The Bank&Rsquo;S Pre-Eminence And Provide Leadership To The Banking System. &Nbsp; The State Bank Of India Act Received The President&Rsquo;S Assent On 8 May 1955, And On 1 July, Moving With Remarkable Swiftness, The New Bank Came Into Being. The Purpose Was To Create An Institution That Would Form An Essential Part Of The Country&Rsquo;S Plans For Modernization, Envisaged In The Era Of Economic Planning. The Bank Would Have Its Roots Firmly Planted In The Countryside Through A Network Of Branches That Spanned The Country&Rsquo;S Farthest Corners, And Play A Major Role In National Development. In Volume 4 Of The Evolution Of The State Bank Of India We Are Taken Into The Heart Of The Entire Exercise, Ranging From The Organizational Issues Posed By A Rapidly Expanding Network Of Branches Running Into The Thousands To Those Of Motivating A Huge Workforce, Besides The Problems Of Venturing Into Areas Of Banking&Mdash;Such As Development Banking Geared To The Needs Of The Artisan And The Farmer&Mdash;That Had Not Been Tried Before.
Download or read book Housing Finance Policy in Emerging Markets written by Loic Chiquier and published by World Bank Publications. This book was released on 2009 with total page 540 pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing finance markets have been changing dramatically in both emerging and developed economies. On the one hand, housing finance markets are expanding and represent a powerful engine for economic growth in many emerging economies. However, the unfolding sub-prime mortgage crisis highlights the risks and potential turbulence that this sector can introduce into the financial system when expanding without proper infrastructure and regulation. As housing finance keeps growing in emerging economies to match a rising demand for housing, new risk management approaches, business models, funding tools, and policy instruments can help. Yet many questions remain about the right balance between innovation and regulation, the extent of risks to the financial system, the appropriate role of the state to promote affordable housing, and the effects of the sub-prime crisis. This book provides a guide for policymakers dealing with housing finance in emerging markets. It highlights the prerequisites for an effective housing finance system; it lays out several policy alternatives and models of housing finance; and it explores the role of governments in expanding access to housing finance for lower-income households. There is no "best" model set out in this book. The aim is to provide a developmental roadmap that can be tailored and sequenced to each country's situation and timing.
Download or read book Housing Finance Agencies in India written by V.K. Kohli and published by Deep and Deep Publications. This book was released on 2007 with total page 206 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Housing Finance Mechanisms in India written by and published by . This book was released on 2008 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Performance and Financial Communication written by P. K. Manoj and published by . This book was released on 2020 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Annual Report written by United States. Agency for International Development. Office of Housing and Urban Programs and published by . This book was released on 1990 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
