Financial institutions offering home loans

Type :

Indian project

Pages :

38 pages

Format :

.doc

Published date :

04/16/2009

Category :

Economics & finance

Sub category :

Finance

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Summary :

Introduction
What is housing finance?
Company profile of HDFC
1. Marketing effort of HDFC
2. Approvals and disbursements
Subsidaries and associates of HDFC
Risk management at HDFC
Prudential norms of housing finance
Global terms and conditions of housing loan
Objective of the study
Major players of housing finance
Data analysis
Results and suggestions
Conclusion
Case studies
FAQs
Bibliography

Abstract

Housing finance is one of the industries, which are driven by ups and downs in the real state industry. Although there has been an upsurge in the demand for the home loans in the recent past, it has not translated into a stupendous performance by the housing finance companies (HDFC's). The housing finance industry is important from the point of view of over all development of the economy .Housing is being increasingly viewed as being important for over all infrastructure development in the economy. The national housing policy reflected the trust, the government wished to give to the housing sector and pointed out that housing was not merely a consumption expenditure, but also a productive investment which would provide economic activity and create a base for attaining several national policy goals such as providing shelter and raising the quality of life. It specifies the interest rate to be followed in lending and borrowing, income recognition & prudential norms, borrowing limits & audits to the finance cos .In spite of such figures there is an urging need on the part of management to keep close look on financial institutions offering loans. A Comparative study of financial institutions is exactly what our project aimed at. To give our project a more structured look we had taken certain parameters. This provides us a clear picture regarding the financial institutions. In addition to the above proper analysis was done with the help of certain financial tools.