The document discusses housing finance and home loans. It defines housing finance as providing funds for home buyers to purchase homes. It notes there are various types of home loans, including for land purchase, home purchase, construction, extension, and improvement. The document outlines things for applicants to know before applying for a home loan, such as eligibility, fees/rates, loan terms, and additional features. It recommends periodically reviewing home loans for options like balance transfers and top-up loans. The document also outlines various tax benefits for home loans under sections 80C, 24b, and 80EEA of India's tax code.

1. Marketing of Financial Services
Topic: HOUSING FINANCE

2. Outline
 Defination
 Types of Home Loan
 What:Things to know before applying for A home loan
 Why:Review your home loan periodically
 Home Loan Tax Benefit

3. Housing Finance
 The purpose of a housing finance system is to provide the
funds which home-buyers need to purchase their homes. It
refers to the money we use to build and maintain the nation's
housing stock

4. “The purpose of a housing finance system is to provide the funds
which home-buyers need to purchase their homes. This is a simple
objective, and the number of ways in which it can be achieved is
limited. Notwithstanding this basic simplicity, in a number of
countries, largely as a result of government action, very complicated
housing finance systems have been developed. However, the essential
feature of any system, that is, the ability to channel the funds of
investors to those purchasing their homes, must remain.”
1985) Mark Boleat, National Housing Finance Systems – A
Comparative Study, p. 1.

5. TYPES OF HOME LOAN
1) Land-purchase loan
2) Home-purchase loan
3) Home-construction loan
4) Home-extension loans
5) Home-improvement loans
6) NRI-home loans
7) Home-conversion loans
8) Bridged Loans
9) Stamp Duty Loans

6. THINGS TO KNOW BEFORE APPLYING FOR A HOME LOAN
1. Home Loan Eligibility Criteria and Required
Documents
2. Applicable Fees, Charges, and Home Loan Interest
Rates
3. An available sanction, loan tenor and part-prepayment
or foreclosure policy
4. Availability of Additional Features or Other Home Loan
Offers
5. Buying a home loan insurance product is not
mandatory

7. REVIEW YOUR HOME LOAN PERIODICALLY
 Balance Transfer
 Foreclosure
 Top up loan

8. Home Loan Tax Benefit
 Section 80C: Deduction up to Rs 1.5 lakh on home loan
principal repayment
 Section 24b: Deduction up to Rs 2 lakh on interest repaid
during pre and post construction period
 Section 80EEA: Additional interest deduction of up to Rs 1.5
lakh under affordable housing for home loans sanctioned
between 1st April 2019 and 31st March 2020 Create more
credit
 Section 80C: Deduction for Stamp Duty and registration
charges

9. You tube Link
https://youtu.be/-WsOS_PYOBw