Project Synopsis: Topic: Woriking of Housing Finance Companies - A Case Study of
Project Synopsis: Topic: Woriking of Housing Finance Companies - A Case Study of
Project Synopsis: Topic: Woriking of Housing Finance Companies - A Case Study of
TOPIC: WORIKING OF HOUSING FINANCE COMPANIES A CASE STUDY OF HDFC INTRODUCTION OF THE STUDY: Owning a house is he !"ea# o$ a %i$e i#e $o" a%% o$ us& U' un i% a $ew (ea"s ago) on%( a $ew #anage! o "ea%i*e ha !"ea#) +u now) a "a, i-e housing %oans o$$e"e! .( .an/s an! o he" housing $inan,e ,o#'anies ha-e #a!e i eas( $o" a%#os e-e"( one o "ea%i*e hei" !"ea# o$ ge ing a "oo$ o-e" hei" hea!& C"oo/ a $inge" an! a %oan #a( .e (ou"s& A an( "a e) !ia% a housing $inan,e ,o#'an( an! ,han,es a"e ha i s "e'"esen a i-es wi%% a""i-e a (ou" !oo" o ,o%%e, (ou" a''%i,a ion) o$$e" a .ui%!e" "a ing se"-i,e o" wai-e '"o,essing ,ha"ges& Than/s o he su"$ei o$ '%a(e"s in he #a"/e ) shu %ing .e ween one ,oun e" an! ano he" in sea",h o$ san, ion is now #os %( a hing o$ 'as & Housing Finan,e Co#'anies o$$e" %oans o$ -a"ious ('es "igh $"o# .u in) ,ons "u, ion) si e %oan) e0 ension) "e'ai" an! #ain enan,e o$ '"o'e" ( o e-en $inan,ing he s a#' !u ( an! "egis "a ion ,ha"ges&
The "e,en !e-e%o'#en s in he e,ono#( ha-e %e! o u".ani*a ion& The 1oin $a#i%( s(s e# has a/en .a,/ sea 'a-ing wa( o he nu,%ea" $a#i%( s "u, u"e& This has %ea! o a .oo# in ,ons "u, ion a, i-i ies) wi h in,"easing 2a'a" #en ,u% u"e3& Wi h $%u, ua ing "ea% es a e -a%ues) he ,o##on #an is a''"oa,hing he housing $inan,e ,o#'anies o $inan,e his house& Housing Finan,e se, o" has un!e"gone a #a1o" ,hange in i s no"#s an!
"egu%a ions in he %as $ew (ea"s& Due o his) he ,o#'anies ha-e "e-ise! hei" s "a egies) whi%e ,a e"ing o he nee!s o$ he #a"/e & The nu#.e" o$ '%a(e"s in he #a"/e has a%so in,"ease! #u% i$o%! gi-ing a ,u h"oa ,o#'e i ion& The '"o'e" ( '"i,es a,"oss he ,oun "( ha-e seen a !ownwa"! "e-ision in he %as ,ou'%e o$ (ea"s an! so has .een he ,ase wi h he in e"es "a es on housing %oans& The #os i#'o" an as'e, o$ he housing $inan,e se, o" is ha i has #a0i#u# '"o'ensi ( o gene"a e in,o#e an! !e#an! $o" #a e"ia%s) e5ui'#en an! se"-i,es& The se, o" "an/s $i$ h in e"#s o$ e#'%o(#en gene"a ion as ,o#'a"e! o o he" se, o"s& In he %igh o$ ,hange in en-i"on#en o$ Housing Finan,e se, o") he '"esen s u!( has .een #a!e&
To s u!( he signi$i,an,e o$ he housing $inan,e in!us "( in In!ia& To a''"aise he "o%e) '%a(e! .( he Na iona% Housing +an/ in "egu%a ing an! '"o#o ing he housing $inan,e ,o#'anies& To ,o#'"ehen! he i#'%i,a ions o$ he housing $inan,e s,he#es o$$e"e! .( HDFC 6TD& To h"ow %igh on !i$$e"en $a,e s o$ housing %oans&
The s u!( is !one e%i#ina ing a%% he e0 e"na% $a, o"s %i/e ,o#'e i ion an! #a"/e si ua ion& Sin,e he 'e"io! ,o-e"e! un!e" he s u!( is on%( 7 o 8 (ea"s) !e ai%e! s u!( o$ a%% he as'e, s #a( no .e 'ossi.%e& The s u!( is ,on!u, in he .ashee".agh ."an,h on%(&
The '"esen s u!( wi%% .e .ase! on '"i#a"( !a a wi%% .e ,o%%e, e! $"o# he 'e"sona% !is,ussions wi h he o$$i,ia%s as we%% as he ,%ien s& The !a a wi%% a%so .e ,o%%e, e! $"o# se,on!a"( sou",es %i/e ,o#'an( :ou"na%s) News'a'e"s) ."o,hu"es an! In e"ne we"e o$ i##ense he%' in ge ing -a%ua.%e in$o"#a ion&
CHAPTERISATION:
CHAPTER I= CHAPTER II= CHAPTER III= CHAPTER I>= CHAPTER >= CHAPTER >I=
In "o!u, ion Ro%e o$ na iona% Housing +an/ P"o$i%e o$ he o"gani*a ion Housing 6oan s,he#es an! i#'%i,a ions Con,%usion) Re,o##en!a ions) an! Ti's $o" House 6oan See/e"s +i.%iog"a'h(