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PRESENTED BY:- Ajay Kumar
Credit Appraisal and Sale of Home
• 41 housing finance companies are now approved under The
Securitisation and Reconstruction of Financial and Enforcement of
Security Interest Act (SARFESAI).
• According to The Hindu Business Line Housing finance companies are
expected to grow 24 per cent, while banks are pegged to grow 14 per cent.
• Many new initiatives and policies focussed on lending for housing
were introduced decision of the RBI to increase LTV ratio to 90 per
cent for loans up to 30 lakhs.
• Housing Finance Industry is regulated by National Housing Bank in India.
• “Housing-For-All by 2022” scheme in 2015 heralded a new era in the
housing finance sector.
SHUBHAM HOUSING FINANCE
• Established In – 2010
• Portfolio - 650 Crore
• Branches – 83 Cities
• Chairman – Vinod Rai
• Ceo – Sanjay Chaturvedi
Shubham Housing Development Finance Company provides formal housing
credit to those with informal incomes and was amongst the first organisations in
the country that transcended document-based underwriting and replaced it with a
customised credit program for each of our customers.
Is to be the mortgage lender of choice for families with informal income
Shubham operates with a mission to provide housing finance solutions to families
with informal incomes through an innovative credit program which looks beyond
income proofs on paper.
By providing credit to people who were outside the purview of such formal
structures, we enable families to secure a better future for themselves and drive
financial inclusion within this segment.
1. Untapped Market.
2. Loan on reducing method
3. Loan to households of Informal income
1. High rate of Interest.
2. Delay in Login.
3. Lack of Coordination Between Branches.
1. Increasing Urbanisation.
2. Rise in nuclear family.
3. Household income has increased.
1. New Entries
2. Fluctuation in Interest Rate.
3. Continous Changing in Policy
• Home Loan
• Home Improvement
• Home Extension
• Low LTV
• LAP (Loan against Property)
• Home Loan – Plot Purchase and Self-Construction
• Top Ups
• B.T. Top Ups
Introduction to the Project
It is the process by which the lender assesses the credit worthiness of the
borrower. It revolves around character, collateral capability and capacity. It takes
into account various factors like income of the applicants, number of dependents,
monthly expenditure, repayment capacity, employment history, number of years
of service and other factors which affect credit rating of the borrower.
Verification of Documents
Ratio in Housing Industry
FOIR (FIXED OBLIGATION to INCOME RATIO)
FOIR calculates the ratio of monthly obligation of customer to his/her monthly income.
FOIR = Fixed Obligation/Total Income
IIR (INSTALEMENT TO INCOME RATIO)
IIR calculates the ratio of instalment to the monthly income of the customer.
IIR = INSTALEMENT/MONTHLY INCOME
IAR (INSTALMENT TO AFFORDIBILTY RATIO)
IAR calculates the ratio of instalment to disposal income of the customer.
IAR = INSTALMENT/DISPOSAL INCOME
(*Disposal Income- Net Income – Household Expenses)
LTV (LOAN TO VALUE)
LTV Calculates the ratio of Loan amount to the market value of the property.
LTV = LOAN AMOUNT/MARKET VALUE OF THE PROPERTY
How to source a file from a Market.
Working on the lead.
Know the process of loan.
How to do P.D and make a P.D of Customer.
During the scrutiny of file what are the factors you should look
Judge the Customers
How to Make Contact with the Others.
• Log in of Files
• Need Coordination Between
• Dissolution of Ineffective
• Looking New Market
• Suggestion from Employees
• Finn one Neo Training
• Reduce Time Period
• Collection Team
• More Focus on Technology