Demographical Impact On Growth Of Housing Finance In Pune And Aurangabad
Abstract
People first satisfy their need for food and clothing and then want to satisfy their need for shelter. Everybody desires to have a sweet home to rest and relax. In most of the cases, for the middle class people, their house is the most valuable asset owned by them in which their life-long savings are invested. Shelter or home gives a person protection against wind, sunshine and rain. It gives protection for his family and for his property. Ownership of home also provides everyone pride and psychological satisfaction. It brings family together and gives a rightful place in the world for him to take rest. In this paper presents the economic factors and demographic factors impacting the growth of housing finance in Pune and Aurangabad.
Keywords- housing finance, financial institution, banks
References
Balanaga Gurunathan K, Nidhi Ahuja.”Financial Performance of Housing Finance Companies in India”, Journal of Critical Review, vol. 7, issue-13, pp. 2265-2281, 2020.
D. Pathma Priya (2019),A study on financial performance analysis of HDFC limited, Index in Cosmos, ISSN 0025 -1348 (P), 2456-1356 (O), volume 10 number 4.
S.V Satyanarayana, SrilakshmiRamu (2019),A Comparative Study between Public and Private Housing Finance Companies (HFCs) in India, International Journal of Engineering and Management Research, pISSN: 2394-6962 ,Volume- 9, Issue- 3.
Ellis, L. (2006, December), “Housing and Housing Finance: The View from Australia and Beyond”, Research Discussion Paper (2006-2012), Economic Analysis Department, Reserve Bank of Australia.
Fulwari, A. (2012, August), “Issues of Housing Finance in Urban India: A Symptomatic Study”, A thesis submitted to The Maharaja Sayajirao University of Baroda.
Gandhi, S. (2012), “Economics of Affordable Housing in Indian Cities: The case of Aurangabad”, Environment and Urbanization Asia, 3 (1), 221-235.
Ghosh, S. (2014), “Housing Finance in India and Appraisal Process of Home Loans with Specific Reference to Indian Overseas Bank”,
Jasmindeep et.al. (2005), “ Performance of Housing Finance Companies”, Journal of Housing Economics, 19, Issue 1, March, 2005, 38-50.
Khape, A. (2017, January 20), “Pune : FSI hiked to 4, new DC rules pave way for new houses, high-rise buildings”, The Indian Express, 20.1.2017
Menon S., & Gupta, D. (2018, April 03), “Home truths : Signs are ominous for housing finance companies”, The Economic Times, 03.04.2018
Mishra, A.K. (2011, September-October),”Growth of Housing Requirements and Housing Finance in India”, Annals of Management Research, 1(1), 38-50
Palepu, A. (2018, January 16), “Affordable housing loans show good growth; NPAs rise too, says RBI”, Business Standard, 16.01.2018
Parishwang, P., Negi H., Singh N., (2016, March-April), “Study of Housing Finance in India with reference to HDFC and LIC Housing Finance Ltd.”, International Journal of Management (IJM), 7(3), March-April 2016, 39–49, ISSN Print: 0976-6502 and ISSN Online: 0976-6510
Phogat, M. (2006, May), “Housing loan frauds in Banks: some Precautionary measures”, The Indian Banker, 1, Number 5, 19-20.
Rajasekhar, D. et. al. (2008, September), “Housing Finance: Problems and Prospects”, Southern Economist, 47(9).
Ramanathan, R., (2010), Escale Responsible - Affordable housing in India: needs and emerging solutions, article livemint Monitor, 2010
Ravindra, P.S. et. el. (2013, July), “Operational and Financial Performance Evaluation of Housing Finance Companies in India (A case study of LIC Housing Finance Limited and HDFC)", Interational Journal of Management and Social Sciences Research (IJMSSR), 2(7), July, 2013, 82-91
Sreelaxmi, P. (2007, August), “Housing Finance Sector in India – An Overview”, Professional Banker, 7 (8)
Shetty, M. & Bharucha, N. (2017, June 11), “Now, affordable housing is driving home loan growth”, The Times of India, 11.06.2017.
Singh, C.,(2013, May), “Housing Market in India: A Comparison with the US and Spain”, Working Paper No. 406, Indian Institute of Management, Bangalore.
Nagar, R. (2016, July-December), Housing Finance in India : Challenges and Issues, Professional Panorama: An International Journal of Management & Technology, 3(2), 108-116, ISSN (Print) : 2349-6916 ISSN (Online) : 2454-8340
Mittal, S. (2014), “Influence of the demographic variable on the customer’s choice and preferences for a particular type of bank”, International Journal of Latest Research in Sciences and Technology, 3(1), Jan-Feb, 2014, 88-90
Lele, A. (2017, September 29), “5 housing finance companies dominate mkt., lend 78% of home loans : Icra”, Business Standard, 29.9.2017
Kumar, A., (2016, April), “Growth and Impact of Housing Finance on Indian Economy: A Review” , International Journal of Research in Management, Science & Technology, 4(1), 58-64
Gupta, U. & Sinha, R. (Feb. 2015), “ A Comparative Study on Factors Affecting Consumer’s Buying Behavior towards Home Loans (With Special Reference To State Bank Of India and Life Insurance Corporation, Allahabad)”, IOSR Journal of Business and Management (IOSR-JBM), e-ISSN: 2278-487X, p-ISSN: 2319-7668. 17(2) (1), 13-17
Green R.K., Wachter S., (2007),“The Housing Finance Revolution”, University of Penn, Inst. for Law & Economic Research, 9-37
Chandrasekar, V. & Krishnmoorthy, K. (2010, September),“Housing Finance and Housing-A view from India and beyond”, Working Proposal, Indu Centre for Real Estate and Infrastructure.
Chaubey, M. (2009, August), “Housing Finance in India: Problems and Prospects”, Professional Banker, 9 (8).
“Housing shortage in urban areas down at 10 million Units: Govt.”, The Hindu Business Line, November, 15, 2017, www.thehindubusinessline.com
Published
How to Cite
Issue
Section
Allows users to: distribute and copy the article; create extracts, abstracts, and other revised versions, adaptations or derivative works of or from an article (such as a translation); include in a collective work (such as an anthology); and text or data mine the article. These uses are permitted even for commercial purposes, provided the user: gives appropriate credit to the author(s) (with a link to the formal publication through the relevant URL ID); includes a link to the license; indicates if changes were made; and does not represent the author(s) as endorsing the adaptation of the article or modify the article in such a way as to damage the authors' honor or reputation. CC BY
