Hosuing loan in a new structure

Q: Hi, I have heard that there are new norms for home loan in this new year?

Seekha, Gurgaon

2nd January 2014

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Replies (3)

So all this issues will affect the house prices in major cities of India. How will this factor effect the home loan for residential units?

Jia, Ghaziabad

2nd January 2014

Comment

Actally a good question you have put forward Jia, I feel that house prices in some major Indian cities have recorded as extremely high in growth between 2007 and the second quarter of 2013. Home prices even doubled in some of the cities during this period. However, from the second quarter of 2013, house prices have either declined or the rise has been moderated.

Ankur , Ghaziabad

2nd January 2014

So which are the housing finance firms in India who are facing the maximum loss!!

Farhan Iqbal, Delhi-NCR

2nd January 2014

Comment

See Mr Farhan the prominent housing finance companies include LIC Housing Finance, Dewan Housing Finance Corporation and Indiabulls Housing Finance.

Jamuna sikhri, Delhi-NCR

2nd January 2014

So who has gained the maximum profit among the private banks . Like which are banks that have not faced any downfall or running good without any debts.

Lohit Raj, Delhi-NCR

2nd January 2014

See I have read a news, which shows this statics and based on that I can say HDFC is doing good!
HDFC's home loan growth has been higher than the rate at which banks have been increasing their housing finance portfolio in the last few years. The growth in housing finance portfolio of banks in 2010-11, 2011-12 and 2012-13 was estimated at 15 per cent, 12.3 per cent and 14 per cent respectively.

Kajal, Delhi-NCR

2nd January 2014

See there are no changes in the home loan factor, Yes there is a news about home loan.Which shows a pure difference between Banks and Housing Finance institutes. It says that the Housing Finance Institute are moving towards down fall. Like their debt are increasing day by day!

Mukhesh, Noida

2nd January 2014

Comment

But Mukesh what is the main reason behind this downfall? Why they are the debts increasing?

Geeta, Noida

2nd January 2014

Yes I have also gone through the news that the home loan portfolios of mortgage lenders have also grown at a faster pace than that of scheduled commercial banks in the last few years.

The reason i can pinpoint is the borrowers ate not giving back the payment in the right time.

Prasad, Noida

2nd January 2014

Hmmmm, the outstanding loans for housing by housing finance companies have grown relatively faster than outstanding retail housing loans by scheduled commercial banks and have doubled in four years from 2007. If you follow the statics you will get to know that private banks have made money then the housing finance firms.

Kashif Ahmed, Delhi-NCR

2nd January 2014