Curriculum Housing and Home Loans in India
Housing and Home Loans in India
How Indians finance and buy homes - loan-to-value rules, banks vs housing finance companies, eligibility, interest subsidies, under-construction vs ready homes, hidden costs, real estate cycles, rental housing laws, title checks, stuck projects and housing's role in the economy.
- How Home Loans Work in India The basics of Indian home loans, including loan-to-value limits set by the RBI, typical tenures and how lenders decide how much to lend. 📄 Read-aloud
- Banks vs Housing Finance Companies How banks and specialised housing finance companies compete in home lending, who they serve, and how regulation of HFCs changed after failures. 📄 Read-aloud
- How Much Home Loan Can You Get? How lenders calculate home loan eligibility using income, existing EMIs and credit scores, and how borrowers can improve their chances. 📄 Read-aloud
- Affordable Housing and Interest Subsidies How government schemes like PMAY-Urban helped lower-income families buy homes through interest subsidies, and the challenges of affordable housing in cities. 📄 Read-aloud
- Under-Construction or Ready-to-Move? The financial trade-offs between buying a flat still being built and buying a completed one, including price, GST, delays and rent costs. 📄 Read-aloud
- The Hidden Costs of Buying a Home The many costs beyond the property price - stamp duty, registration, brokerage, deposits, interiors and maintenance - that buyers often underestimate. 📄 Read-aloud
- Housing and Home Loans in India: Checkpoint 1 Quick checkpoint - five questions on home loans, lenders, eligibility, affordable housing and under-construction homes. 5 questions
- India's Real Estate Cycles How Indian property markets boomed, stagnated and recovered over the past two decades, and what drove each phase. 📄 Read-aloud
- Rental Housing and the Model Tenancy Act Why India's rental housing market is small and informal, how old rent control laws discouraged renting, and how the 2021 Model Tenancy Act aims to fix it. 📄 Read-aloud
- Checking Property Title and Records Why unclear land and property titles are a major risk in India, what documents buyers should check, and how land records are being digitised. 📄 Read-aloud
- Stalled Housing Projects and Stranded Buyers How thousands of home buyers were stranded by stalled projects from developers like Amrapali and Jaypee, and the rescue efforts that followed. 📄 Read-aloud
- Housing's Role in the Economy How housing construction supports jobs and industries, why housing wealth matters for households, and how home loans affect the financial system. 📄 Read-aloud
- A Home Buyer's Checklist A practical checklist for buying a home in India, from budgeting and loans to legal checks and possession, plus a recap of the module. 📄 Read-aloud