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Refinance Issues and Way Forward Peeyush Pandey Manager National Housing Bank April 20, 2012

Refinance Issues and Way Forward Peeyush Pandey Manager National Housing Bank April 20, 2012. Status of Refinance Policy Changes Issues and Challenges Way Forward. Presentation Structure. Status of Refinance. Refinance Disbursements. 12496. 8108. Urban - Rural Break-up. 12496. 11723.

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Refinance Issues and Way Forward Peeyush Pandey Manager National Housing Bank April 20, 2012

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  1. RefinanceIssues and Way ForwardPeeyush PandeyManagerNational Housing BankApril 20, 2012

  2. Status of Refinance Policy Changes Issues and Challenges Way Forward Presentation Structure

  3. Status of Refinance

  4. Refinance Disbursements 12496 8108

  5. Urban - Rural Break-up 12496 11723 8108

  6. Loan Size Wise Break-up July 2011 - March 2012

  7. Policy Changes

  8. 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]

  9. 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

  10. Issues & Challenges

  11. PLIs to scale up lending operations in rural areas to low income / informal segments under Govt. programmes / schemes for rural housing / affordable housing Encourage participation in Government schemes for rural / affordable housing to EWS / LIG beneficiaries

  12. 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

  13. Timeliness in submission of information / returns to NHB

  14. Way Forward

  15. 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)

  16. Indirect finance Construction finance for affordable housing

  17. 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%

  18. Thank You

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