Glimpse of the Home Loan Market in India - PowerPoint PPT Presentation

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Glimpse of the Home Loan Market in India

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Get information about the Indian Housing Landscape and the Demand for Housing in India. Calculate your home loan EMI with Indiabulls Home Loan EMI Calculator at – PowerPoint PPT presentation

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Title: Glimpse of the Home Loan Market in India


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(No Transcript)
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Indian Home Loans Market
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Housing Demand in India
  • Estimated housing shortage 40 Mn houses
  • Drivers of incremental demand

Current population growth _at_ 1.3 p.a.
Demand for 3.4 Mn houses p.a.
Ongoing nuclearisation _at_ 0.9 p.a.
Demand for 2.5 Mn houses p.a.
Rising income/aspirations per capita GDP
growth at 9-10 p.a. nominal
Demand for 4-5 Mn houses p.a.
  • Total incremental demand for houses over 10 Mn
    p.a.
  • Total opportunity over the next 7 years expected
    to be 70 Mn houses

Source Census of India Ministry of Statistics
Programme Implementation National Sample Survey
Office CLSA
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Housing From Social Objective to Centrepiece
Economic Policy
  • Housing sector has the ability to propel rural
    and urban economic activity
  • Housing sector Countrys 4th largest employment
    provider employing both semi-skilled and
    unskilled labour
  • Housing and the larger real estate sector has a
    high growth multiplier effect on the economy with
    linkages
  • to over 250 ancillary industries
  • Housing sector accounts for 5 of GDP

Coordinated policy measures aimed at all sections of the housing market Coordinated policy measures aimed at all sections of the housing market Coordinated policy measures aimed at all sections of the housing market
Home Buyers Incentives from PMAY subsidy and tax deductions Increase in carpet area of houses eligible for interest subsidy Home loan rates in affordable housing at 0.66 RERA in place transparency and delivery visibility to buyers 90 of government-run pension fund EPFO can be withdrawn for house purchase
Real Estate Developers 100 corporate tax exemption on profits from affordable housing construction Quicker building permissions RERA in place transparency and delivery visibility to buyers will aid sales
Housing Finance Companies Infrastructure status for affordable housing, easing access to institutional credit RBI, SEBI and IRDAI have coordinated policies to ease access to funding Reduction in risk weights and easing of LTV caps Increased access to ECBs ticket sizes to qualify as PSL lending for banks broadened
Source National Council of Applied Economic
Research
PMAY Pradhan Mantri Awas Yojana SEBI Securities
and Exchange Board of India
RERA Real Estate Regulatory Act EPFO Employees
Provident Fund Organization RBI Reserve Bank of
India IRDAI Insurance Regulatory and
Development Authority of India LTV Loan to Value
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Calculate Your Monthly EMI with Indiabulls Home
Loan Calculator https//www.indiabullshomeloans.c
om/home-loan-emi-calculator/ For any other
details or enquiry, Contact us on 1800 200 7777
OR SMS HOME to 56677 Email homeloans_at_indiabull
s.com You can also visit us at Indiabulls
Housing Finance Limited, Indiabulls Finance
Centre, Tower 01, 4th Floor, Senapati Bapat Marg,
Elphinstone Road Mumbai (W) 
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