Refinance Issues and Way Forward Peeyush Pandey Manager National Housing Bank April 20, 2012
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Transcript of Refinance Issues and Way Forward Peeyush Pandey Manager National Housing Bank April 20, 2012
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RefinanceIssues and Way Forward
Peeyush PandeyManager
National Housing Bank
April 20, 2012
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Presentation Structure
Status of Refinance
Policy Changes
Issues and Challenges
Way Forward
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Status of Refinance
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Refinance Disbursements
8108
12496
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Urban - Rural Break-up
8108
11723
12496
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Loan Size Wise Break-upJuly 2011 - March 2012
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Policy Changes
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Initiatives / Products
Introduction of Refinance Scheme for housing loans to borrowers of weaker section (under RHF) [since 01-04-2008]
Refinance Scheme for Energy Efficient Housing [since 01-07-2010]
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Extension of refinance under the Rural Housing Fund to the non-contributing Public Sector Banks
Policy relaxations for new HFCs engaged in housing finance in rural areas / for low income segments
Equity support to new HFCs engaged in housing finance in rural areas / for low income segments
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Issues & Challenges
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PLIs to scale up lending operations o in rural areaso to low income / informal segmentso under Govt. programmes / schemes for
rural housing / affordable housing
Encourage participation in Government schemes for rural / affordable housing to EWS / LIG beneficiaries
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Rural Housing Fund
Expanding credit availability Ensuring proper utilization Passing on benefit of low cost funds to
ultimate beneficiaries Strengthening MIS to capture data on
income and other eligibility parameters
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Timeliness in submission of information / returns to NHB
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Way Forward
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Avail at least one-half of the sanctioned limit under RHF / for low income housing
Increasing loan portfolio by taking advantage of Credit Guarantee Fund / loan-cum-subsidy programmes of Government(s)
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Indirect finance
Construction finance for affordable housing
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Energy Efficient Housing
Sahara City Homes (type A, B, C & D) at Nagpur - 24 - 31%
Sahara City Homes at Lucknow - 32% 3C’s projects at NOIDA - 10 - 16% Hiranandani Palace Gardens at Mumbai -
33% BCIL Zedwood at Bangalore - 31 - 42%
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