As per Gabrielle Rusignuolo the financial market is a broad term explaining any market where buyers and sellers engage in the deal of investments such as stocks, bonds, foreign currencies and types.

1. Financial Marketing TipsFinancial Marketing Tips
A financial market is a market in which people trade economical
securities, commodities, and other fungible products of value at
low purchase costs and at prices that indicate supply and
demand. Investments consist of shares and bonds, and
commodities involve valuable metals or agricultural products.
The financial market is a broad term describing any marketplace
where buyers and sellers engage in the trade of resources such
as equities, bonds, currencies and derivatives

2. Financial Marketing
2

3. 3
• Stable growth
• Served by specialized HFCs & Professional Financial
institutions - synergies
• Proactive and Threat centered Regulation
• Conservative loaning practices; Develop to hold
• NPAs well included
• Shift from high-end target Cost-effective housing
• Market segmentation – varied risk
• Broad centered stakeholding – causes balance
Native Mortgage MarketNative Mortgage Market

4. Fiscal and
Credit
Policy
Support
Financial
Market
Housing
Market
Affordability
Banks
Financial Sector
Capital
Market
Real Sector
Public
Agencies
Private
Developers
MFIs
Housing Finance MarketHousing Finance Market
4
HFCs
Land
&
Construction
Infrastructure
Informal
Sector
NHB

5. 5
Outstanding Housing LoansOutstanding Housing Loans

6. 6
Trends in Housing FinanceTrends in Housing Finance
Disbursals (INR in billion)

7. • Real estate Economical loans excellent 7.9% of GDP
• Supportive Regulatory/Fiscal Policies
• Financial Deepening
• Supply Responses: Requirement Driven
• Main recipients - paid category, experts and tax payers
• Challenge for Low Earnings Real estate –
“Accessibility” and “Affordability”
7
Styles in Real estateStyles in Real estate
FinanceFinance

8. 8
• Financial Industry and Investment Marketplaces -
Growth
• Interest prices deregulation
• Growing Disintermediation
• Shift towards Industry Focused Source Mobilisaiton
• Level Enjoying Atmosphere
• Market Identified Cost
• Keeping on
• Affordability
• Availability
• Accessibility
Financial AtmosphereFinancial Atmosphere

9. • Fast development in real estate industry has side
stepped Low-Income Houses
• Demand Recognition
• Risk Perception
• Price Increase, Interest Rates - Effect on Low Earnings
Housing
• Market/Subsidy based Approach
9
Problems in Low Earnings RealProblems in Low Earnings Real
estateestate

10. • Restricted accessibility to real estate credits
• Cannot agreement economical obligations on the
economical market
• Unstable earnings and volatile cash flows
• High threat & heavy cost - to - service customers
• Role of Guarantee/Risk Fund
• Role of Govt & Funding Organizations in Industry
Environment
• Leveraging impact of Subsidy 10
Problems in FinancingProblems in Financing

11. • Competitive Requirement on Area and Finance
• Land provide is constrained:
• Land accessibility
• Land use rules
• Efficient use of Area
• Title and Period
• Finance Circulation Constrained
• Stability
• Growth
• Risk Perception
• Need for ‘Integrated Approach’
11
Supply RestrictionsSupply Restrictions

12. Real Sector
• Area Supply
• Cost of Land
• Land industry functioning
• Infrastructure provision
• Construction & Delivery
• Role of Community &
Personal Sector
Role of Incentives
Subsidized Housing Credit
Subsidized House Prices
Financial Sector
• Venture Fund
• Individual Loans
• Supply of Funds
• Cost of Funds
• Whether market
centered solution?
12
Affordability IssuesAffordability Issues

13. Supply Side
• Area Acquisition
• Infrastructure Provision
• Sale of Land
• Housing Construction
• Housing Sale
• Role of Community
Agencies/ Designers
• Credit Delivery
Demand Side
• Buy Price
• Income Level
• Affordability
• Loan eligibility
• Subsidy component
• Risk Mitigation
• Role of NGOs/MFIs
• Demand Gathering or
amassing
Ensuring access to housing with infrastructure
at affordable prices
13
In Other WordsIn Other Words

14. • Official industry is the reason for only 25% of the
overall investment strategies in housing; manipulated
submission of credit
• Affordability and security; recognized greater risk
• Financial support through casual industry at nascent
stage
• Subsidized real estate programmes: limitations
• Targeting and durability of such programmes
14
ChallengesChallenges

15. • Market’s restrictions / Subsidy Restriction
• Private Investment and Community Objective
• Formal & casual areas compartmentalized
• Demand gathering or amassing, requirement signing up,
intermediation and threat mitigation
• Incentives for Savings
• Policy Reforms
15
ChallengesChallenges

16. • Not enough provide at affordable costs. Effect of
decreasing costs on the stock of real estate, the
circulation of real estate and real estate finance
• Price – Supply connection. Profit on Value or Quantity
Productivity to stimulate the suppliers/builders.
Price/cost structure
• Demand understanding of cost but provide not forth-
coming
• Measures to turn the investor’s industry into
consumer’s industry 16
Where is the Disconnect?Where is the Disconnect?

17. • Cooperation Technique : Public/Private/Community
• Innovative devices for benefits of All
• Incentives for Low Income Property Credit
• Demand led
• Incentives for Low Income Property Growth
17
Search for SynergiesSearch for Synergies

18. Central
Government
State/Local
Governments
Financial
Institutions
PUBLIC
PRIVATE
Partnership
Real
Sector
Financial
Sector
Formal
Sector
Informal
Sector
Facilitator
&
Enabler
Policy
&
Programmes
Policy
&
Programmes
Instns &
Products
Affordable Housing for All and Financial Inclusion
–Mutually Consistent Themes 18
Sector Profile – Wide StakeholdingSector Profile – Wide Stakeholding

19. 19
• Govt Support
• Liquidity
• Pricing
• Risk Minimization
• Targeting - Low Earnings Real estate
• Guarantee Fund / Subsidy
• Subsidy assistance to EWS/LIG housing
Institutional SupportInstitutional Support

20. GOVERNMENT INTERVENTION
The Govt could consider allowing legal and regulating
changes and create an allowing atmosphere
through effective performing of the area market
Streamlining of all acceptance processes
provision of effective facilities
e-governance viz. presenting electronic history for area and
getting more visibility in the history of area and houses
20
Policy IssuesPolicy Issues

21. 21
• Specific Organizations vs. Worldwide Institutions
• Augmenting resources for the sector
• Source Mobilization & Deployment
• Facilitating the development of Additional market
• Lending Self-discipline & Quality of Assets
• Tapping International Industry – Lendings & Investment
strategies
Development of Real estate FundDevelopment of Real estate Fund
SectorSector

22. 22
• Property Plan at National & Local level
• Integrated with Cost-effective Sector
• Fiscal & Cost-effective Market Policy
• Institution-Building & Product Progression (Supply &
Requirement Side)
• Deregulation with closer Assistance (Finance & Growth
Market )
• Flow of Resources & Effective Property Market
Policy ReformsPolicy Reforms

23. 23
• Recognize subsidy-based and market-based sections and
characteristics of treatments
• Complementarities
• Ensure sufficient and continual financing for both
segments
• Ensure sufficient provide of area and real estate for both
segments
• Market-based strategy and state/local stage plan
interventions
Industry SegmentsIndustry Segments

24. • De-risk the area through appropriate threat mitigants
both in the economical area and the actual market area
(demand and provide side)
• Develop a part for the government in low earnings
property, efficient with the marketplace positioning of
all the segments (without conflicting)
• Develop securitisation for funding
• Revisit the economical and credit system to make sure
that property gets its affordable percentage of financing
from the system
• Develop recommendations so that property is able to
deal fairly with other parts for sources
24
Plan PrescriptionsPlan Prescriptions

25. 25
State Govt./
Builders
Banks/ HFCs/ MFIs
Borrowers
Enabling
Fiscal
and
Credit Policy
Enabling
Land Policy
for
Construction
Subsidy/
Guarantee Fund/
Credit Enhancement
Land Tenure
First / Second Loss
Facility
SPV Project
Individual
Loans
Construction Finance
Specialized
Funding
Agency
Institutional StakeholdersInstitutional Stakeholders

26. • No Broad-brush Strategy
• Need for Segmented Intervention
• Role of Condition Government authorities &
Community Agencies
• Supportive Financial & Credit score Plan
• Market/Subsidy centered Approach
• Developing impressive items and institutional
procedure 26
Summing UpSumming Up

27. • Identify land for construction
• Liberalize construction finance for low income
housing
• Project approach and economies of scale
• Price determination – a critical consideration
• Develop mechanism for Demand Registration
• Tap Savings potential – building borrowers’ equity
• Actively involve supply side agencies, private and
public
27
Summing UpSumming Up

28. • Increasing stakeholders’ base
• Broadening Institutional infrastructure
• Securitisation through Govt support
• Risk Minimization Automobile
• Funding Resource and Distribution Channels
• Construction and Fund Delivery
28
Going ForwardGoing Forward

29. 29
• Affordable Home Price
• Affordable Credit
• State Government./Municipal Systems to offer area and
infrastructure
• Public/Private contractors to construct
• Pricing & Credit score critical
• Credit Threat Mitigation
• Credit Assurance Fund
INCLUSIVE GROWTH WITH STABILITY
ConclusionConclusion

30. Thank YouThank You