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FINANCE
HOUSING+ FINANCE
HOUSING –
GENERALLY REFERS TO THE SOCIAL PROBLEM OF
ENSURING THAT MEMBERS OF SOCIETY HAVE A HOME
IN WHICH TO LIVE, WHETHER THIS IS A HOUSE, OR
SOME OTHER KIND OF DWELLING, LODGING OR
SHELTER.
NEED
FINANCE –
PUBLIC PRIVATE
1. TATA HOUSING
2. ASHA AFFORDABLE HOUSING
3. SHAHABAD HOUSING YOJANA
4. ADITYA BIRLA HOUSING FINANCE
PRADHAN MANTRI AWAS YOJANA (PMAY)
LAUNCHED: 25 JUNE 2015
MAIN OBJECTIVE: ACHIEVE HOUSING FOR ALL BY THE YEAR 2022, 2
CRORE HOMES IN RURAL AREAS.
FEATURES
THE FEATURES OF PRADHAN MANTRI AWAS YOJANA ARE THAT
THE GOVERNMENT WILL PROVIDE AN INTEREST SUBSIDY OF
6.5% ON HOUSING LOANS AVAILED BY THE BENEFICIARIES FOR A
PERIOD OF 15 YEARS FROM THE START OF A LOAN,
THE HOUSES UNDER PRADHAN MANTRI AWAS YOJANA WOULD
BE CONSTRUCTED THROUGH A TECHNOLOGY THAT IS ECO-
FRIENDLY,WHILE ALLOTTING GROUND FLOORS IN ANY HOUSING
SCHEME UNDER PMAY.
JAN GHAR AWAS YOJNA, SECTOR 1, GREATER NOIDA (WEST)
A FORTIFIED HOUSING SCHEME, BROUGHT UP AS “JAN GHAR AWAS
YOJNA”IS THE NEW AND THE SENSATIONAL PRE LAUNCHED PROJECT
IN THE FIELDS OF REAL ESTATE AT SECTOR-1 GREATER NOIDA WEST.
LIST OF TOP HOUSING FINANCE
COMPANIES IN INDIA
Functions OF NHB
Promotion and Development Function
Regulatory Function
Financing Function
OBJECTIVES OF NHB
To promote a sound, healthy, viable and cost effective housing
finance system to cater to all segments of the population.
To integrate the housing finance system with the overall
financial system.
To promote a network of dedicated housing finance institutions
to adequately serve various regions and different income groups.
To augment resources for the sector and channelize them for
housing.
To make housing credit more affordable.
To regulate the activities of housing finance companies based on
regulatory and supervisory authority derived under the Act.
To encourage augmentation of supply of buildable land and also
building materials for housing and to upgrade the housing stock
in the country.
To encourage public agencies to emerge as facilitators and
suppliers of served land, for housing.
PROMOTION AND DEVELOPMENT
FUNCTION
NHB has designed and conducted the various
training programmes considering the need for
trained persons.
The NHB also contributes to improve or
strengthen credit delivery network for housing
finance in the country.
As a part of this role, NHB has framed a
scheme for guaranteeing the bonds to be
issued by the housing finance company.
NHB operates as a multifunctional
Development Finance Institution (DFI) for the
housing sector.
CONTINUED….
HOME LOAN
HOME IMPROVEMENT LOAN
HOME EXTENSION LOANS
LAND PURCHASE LOANS
LIC HOUSING FINANCE SERVICES
PURCHASE OF FLATS/HOUSE
CONSTRUCTION
EXTENSION OF FLATS/HOUSE
PLOT PURCHASE
REPAIRS/RENOVATION TO EXISTING FLATS/HOUSE
SBI HOUSING FINANCE SERVICES