house financing – Dewan Housing Home Loan finance company in the private sector in India

Dewan Housing Home Loan finance company in the private sector in India

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Home Page > Finance > Loans > Dewan Housing Home Loan finance company in the private sector in India

Dewan Housing Home Loan finance company in the private sector in India

Posted: Aug 03, 2010 |Comments: 0
| Views: 148 |

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Established in 1984, Dewan Housing Finance Corporation Limited (DHFL) is the second largest housing finance company in the private sector in India. Over the years, DHFL has built up a considerable business portfolio with products such as Home loan, Home extension loan, Home improvement loan, Plot loan, Mortgage Loan Leased Rental Finance and Aashray deposit. DHFL Home Loans are offered to individuals, co-operative societies, corporate bodies and associations of persons. The maximum loan offered by DHFL can go up to Rs 1 crore and the home loan finances up to 85% maximum of the cost of the property. In the following lines, they have provided in detail analyses of DHFL’s home loan.

Determining Factors For Loan Amount

Repayment capacity
Age
Educational qualifications
Stability and continuity of income
Number of dependents
Co-applicant’s income
Assets
Liabilities
Saving habits

Types Of DHFL Home Loans

DHFL’s Home Improvement Loans are offered to individuals to facilitate renovation and repairing of homes. The tenure of the loan ranges from 1 to 10 years.
DHFL’s Home Extension Loans are offered to individuals, who want to extend the existing accommodation by adding a room/bathroom/kitchen/prayer room. The tenure of the loan ranges from 1 to 20 years.
NRI Home Loans are offered to Non Resident Indians (NRIs), who wish to purchase, construct, improve or extend their home. The tenure of the loan ranges from 1 to 15 years.
DHFL’s Mortgage Loans are for professionally qualified individuals, who are salaried or self employed. It is given against the mortgage of their residential property. The tenure of the loan ranges from 1 to 7 years.
DHFL’s Non Residential Property Loans (NRPL) is aimed at professionals such as doctors, chartered accountants, architects and solicitors among others. The loans would help them either buy or construct a property to operate their lines of business. The tenure of the loan ranges from 1 to 10 years.

Common Factors In All Home Loans

The maximum loan offered by DHFL can go up to Rs 1 crore, but not exceeding 85% of the cost of the extension.
The term however does not extend beyond the retirement age or 60 years whichever is earlier (65 years for the self employed individuals).
Prepayment of the loan partly or fully, is permitted subject to payment of nominal fees / charges, as stipulated by DHFL.

Samarth (Home Loan For Self Employed)
This is a special type of home loan initiated by DHFL, especially for the self employed. One of the most ignored housing finance communities, self employed are a generally rejected lot, as they have variable monthly income (some months with no income at all) and even if they have the money, they do not have the necessary documentation to prove the same. As such, DHFL has pioneered a process, which facilitates the assessment of income through an independent source, other than the income tax authority.

Eligibility Criteria

The self employed person should be more than 18 years and less than 65 years of age.
The applicant is self employed /trader or engaged in service industry.
The applicant should have been in the same line of business for a minimum period of 5 years or should have inherited the business from parents.
The applicant should be able to contribute at least 40% of the total sum required.
Sales Tax Registration or any other registration of business required by statutory authorities / local laws is mandatory.
The business premises should be owned / inherited.
Business premises should not be on encroachment land without title to property or deviated in construction from approved plans.

 

To know more information on Home Loan & Dewan Housing Home Loan feel free to visit : http://www.rupeetalk.com/home-loan-india/

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Home Page > Business > Fundraising > Pension funds can help housing

Pension funds can help housing

Posted: Jun 25, 2010 |Comments: 0
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Housing loan account for only about 7% of the country’s GDP. Housing finance regulator National Housing Bank’s executive director RV Verma says that pension funds can help channelize long-term funds for the housing sector. In a freewheeling interview with ET’s Dheeraj Tiwari, Mr Verma talks about NHB’S plants as a regulator as well as development financing institution. Excerpts:

Unlike the Reserve Bank Of India, you have not directed housing finance companies (HFCs) to come out with base rates. Why?

First, we need to see and analyse the impact of the base rate on the cost of funds for HFCs. Unlike banks, HFCs are a more heterogeneous group with wider variation in their cost and landing profile. They also have diverse source of funding and are more exposed to changes in the liquidity conditions in the market. So their cost of funds varies more. The impact of the ‘base rate’ approach vis-à-vis their housing loan portfolios, which are typically long term in nature, will also need to be closely examined from the asset-liability mismatch perspective before introducing a base rate regine.

What are you plans for the residential mortgage-backed securitization (RMBS) market?

Securitization is a very powerful instrument to augment funds for the housing sector. Home loan portfolios are good quality assets and these securitised portfolios will have high acceptability among the investors. National Housing Bank has to play an important role as an intermediary, market-maker and a credit enhancer. Pension and provident funds are natural investor in RMBS papers, which would help channel long-term funds for housing. NHB has done 14 issues of RMBS in the past and we will be scalling this up.

Are you looking at raising more capital? What has the bank’s financial performance been like?

Besides capital, we have raised funds through different sources that include term loans, issue of bonds, and public deposit scheme. We are also exploring other international borrowings including from the World Bank for low-income housing. During the current year 2009-10 ending on June 30, 2010, our funds mobilization is Rs 11,600 crore. On the assets side, we are likely to close with disbursements of about Rs 8,000 crore. We should be closing the current year with growth in loans and advances of about 18-20%. National Housing Bank’s profit after tax is likely to be about Rs 290 crore, an all time high, marking a 22% growth over last year. Our business model is that of a development finance institution operating on a high-volume and low-margin system.

Courtesy by : The Economic Times Dtd:  June 23, 2010

For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi  homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in to http://www.zameen-zaidad.com/ And http://www.propertycafeteria.com

 

 

 

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Hi I am sapna. Iam working  in(Bhardwaj Buildtech Pvt Ltd) Company in Delh To Visit for more information http://www.zameen-zaidad.com & http://www.propertycafeteria.com/main.aspx

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I need to collect on back pension funds due to me…From a divorce. Social Security says I may be due some money from his different work places. I was told in the divorce that there were no pensions
Can I legally roll over a traditional and /or a Roth IRA to a pension fund? Or alternatively, after 59 1/2 cash out either IRA to buy pension fund credits?
Hi i wanted to ask as to how to become a professional technical analyst and work with a mutual fund house or a big broker firm sachin

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Home Page > Business > Fundraising > Pension funds can help housing

Pension funds can help housing

Posted: Jun 25, 2010 |Comments: 0
|

]]>

Housing loan account for only about 7% of the country’s GDP. Housing finance regulator National Housing Bank’s executive director RV Verma says that pension funds can help channelize long-term funds for the housing sector. In a freewheeling interview with ET’s Dheeraj Tiwari, Mr Verma talks about NHB’S plants as a regulator as well as development financing institution. Excerpts:

Unlike the Reserve Bank Of India, you have not directed housing finance companies (HFCs) to come out with base rates. Why?

First, we need to see and analyse the impact of the base rate on the cost of funds for HFCs. Unlike banks, HFCs are a more heterogeneous group with wider variation in their cost and landing profile. They also have diverse source of funding and are more exposed to changes in the liquidity conditions in the market. So their cost of funds varies more. The impact of the ‘base rate’ approach vis-à-vis their housing loan portfolios, which are typically long term in nature, will also need to be closely examined from the asset-liability mismatch perspective before introducing a base rate regine.

What are you plans for the residential mortgage-backed securitization (RMBS) market?

Securitization is a very powerful instrument to augment funds for the housing sector. Home loan portfolios are good quality assets and these securitised portfolios will have high acceptability among the investors. National Housing Bank has to play an important role as an intermediary, market-maker and a credit enhancer. Pension and provident funds are natural investor in RMBS papers, which would help channel long-term funds for housing. NHB has done 14 issues of RMBS in the past and we will be scalling this up.

Are you looking at raising more capital? What has the bank’s financial performance been like?

Besides capital, we have raised funds through different sources that include term loans, issue of bonds, and public deposit scheme. We are also exploring other international borrowings including from the World Bank for low-income housing. During the current year 2009-10 ending on June 30, 2010, our funds mobilization is Rs 11,600 crore. On the assets side, we are likely to close with disbursements of about Rs 8,000 crore. We should be closing the current year with growth in loans and advances of about 18-20%. National Housing Bank’s profit after tax is likely to be about Rs 290 crore, an all time high, marking a 22% growth over last year. Our business model is that of a development finance institution operating on a high-volume and low-margin system.

Courtesy by : The Economic Times Dtd:  June 23, 2010

For more information about real estate, real estate india, Indian real estate, property, property in india, Indian property, property for rent, rented property, apartment for rent, rented apartment, flats for rent, rented flats in delhi, property for sale in delhi, apartments for sale in delhi, flats for sale in delhi  homes for sale in noida, flats for sale in noida, real estate in noida, investment option in noida, real estate consultant in noida, realty firm houses in noida, residence in noida, residence in delhi, residence in gurgaon, flats for rent in gurgaon Log in to http://www.zameen-zaidad.com/ And http://www.propertycafeteria.com

 

 

 

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LIC Housing look for to boost tier-II capital

By: Bhavana Jhingan
Posted: Oct 16, 2010

LIC Housing Finance could consider boosting the tier-II capital this year. According to RR Nair , director and chief executive officer (CEO) at LIC Housing Finance, the company’s capital adequacy ratio is at 14%.

However, the loan book is growing at 36% per annum, he said that the company may consider lifting the tier-II capital which was about 5% of the capital adequacy ratio of 14% maintained by the company.

The tier-II capital includes undisclosed reserves, revaluation reserves, general provisions, hybrid instruments and subordinated term debt. He said that there was no plan to raise equity. The company could consider the equity option only if it gets into a capital-intensive business like retail banking.

Read more articles
LIC Housing Finance to raise Rs 20,000 cr in FY11
Lic Housing Finance Shares Up 9 Percent
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Consider taking a home loan now

LIC Housing Finance reported net interest margins of 2.93% for the quarter ended September 30, 2010 against 2.44% in the corresponding quarter last year. He doesn’t expect margins to fall below 2.8%, even if the borrowing cost goes up.

He believes that three factors will influence the profitability, going forward. These include a continuing growth of 36% in the loan book without any pressure on margins. A fund manager at a foreign mutual fund expressed concern about the rapid growth in the loan book.

Mr Nair defended the growth strategy, saying that there is no deterioration in the quality of the company’s assets and there is no compromise on pricing. He is of the view that LIC Housing Finance’s offer of a 9.25% fixed loan for the first five years is not as aggressive as the competition.

The second aspect is a decline in non-performing assets. The gross NPAs of the company stood at 0.74% (Rs 319.59 crore) on September 30, 2010 against 1.28% (Rs 408.55 crore) as on September 30, 2009. Net NPAs were 0.21% (Rs 90.16 crore) against 0.62% (Rs 198.25 crore) during the year-ago period.

The third factor, Mr Nair emphasised on, is the borrowing mix. He said that 58% of LIC Housing Finance’s borrowing was at a fixed interest rate of around 8%. “This provides us a cushion against any potential rise in interest rates,” he added.

Bhavana Jhingan – About the Author:

Working with a WRS Info India Pvt Ltd.

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Home Page > Finance > Loans > LIC Housing look for to boost tier-II capital

LIC Housing look for to boost tier-II capital

Posted: Oct 16, 2010 |Comments: 0
|

]]>

LIC Housing Finance could consider boosting the tier-II capital this year. According to RR Nair , director and chief executive officer (CEO) at LIC Housing Finance, the company’s capital adequacy ratio is at 14%.

However, the loan book is growing at 36% per annum, he said that the company may consider lifting the tier-II capital which was about 5% of the capital adequacy ratio of 14% maintained by the company.

The tier-II capital includes undisclosed reserves, revaluation reserves, general provisions, hybrid instruments and subordinated term debt. He said that there was no plan to raise equity. The company could consider the equity option only if it gets into a capital-intensive business like retail banking.

LIC Housing Finance reported net interest margins of 2.93% for the quarter ended September 30, 2010 against 2.44% in the corresponding quarter last year. He doesn’t expect margins to fall below 2.8%, even if the borrowing cost goes up.

He believes that three factors will influence the profitability, going forward. These include a continuing growth of 36% in the loan book without any pressure on margins. A fund manager at a foreign mutual fund expressed concern about the rapid growth in the loan book.

Mr Nair defended the growth strategy, saying that there is no deterioration in the quality of the company’s assets and there is no compromise on pricing. He is of the view that LIC Housing Finance’s offer of a 9.25% fixed loan for the first five years is not as aggressive as the competition.

The second aspect is a decline in non-performing assets. The gross NPAs of the company stood at 0.74% (Rs 319.59 crore) on September 30, 2010 against 1.28% (Rs 408.55 crore) as on September 30, 2009. Net NPAs were 0.21% (Rs 90.16 crore) against 0.62% (Rs 198.25 crore) during the year-ago period.

The third factor, Mr Nair emphasised on, is the borrowing mix. He said that 58% of LIC Housing Finance’s borrowing was at a fixed interest rate of around 8%. “This provides us a cushion against any potential rise in interest rates,” he added.

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May 22, 2011

Personal Loans: Get Sufficient Finance to Execute Important Personal Desires

Personal loans are a fantastic funding aid available in the market for all those people who are suffering from financial scarcity problem. These loans offer strong monetary assistance that may help you to fulfill your essential personal desires in an efficient way.

By:
VernHow Chanl

Finance>
Loansl
May 22, 2011

UK households face rough financial challenges

Latest research by “Aviva” shows that UK households struggle financially. The need to make it to the end of the month, in spite of rising debts, results in challenging financial times for many.
Repaying one’s debt nowadays takes up one tenth of an average family income. The end result is constant worries about meeting basic living expenses over the next few months.
One reason for the rise in living costs is the recent inflation across the UK.

By:
Michelle Nisl

Finance>
Loansl
May 22, 2011

Payday Loan UK – Quick Cash Advance Direct your bank Account

This is possible to get your desired amount direct to your bank in Uk and pay the debt in next pay. Ask money from most trustworthy lender over the internet.

By:
Winston ricksl

Finance>
Loansl
May 21, 2011

Doorstep Cash Loans: Hassle Free Funds for People Who Need Money at Doorstep

Great offer for people who need some handsome amount of funds right to their doorstep. Applying easy to get doorstep cash loans as there are no credit check and no paperwork required.

By:
Alisa Kellyl

Finance>
Loansl
May 21, 2011

Business Loans for Women: Finest Monetary Tool for Business Women

Business loans for women could be an efficient monetary service for all business women who are facing financial crisis and unable to run their business properly. These loans offer them good amount of funds so that they can execute their business related needs in a wonderful way.

By:
Armour dixonl

Finance>
Loansl
May 21, 2011

Door to Door Loans – Meant For Your Fiscal Hindrances

Door to door loans are an ideal monetary key for your financial hardships. With the ease of these advances, the borrowers can now minimally get funds without visiting the lender or upsetting the hectic life.

By:
Roy Millerl

Finance>
Loansl
May 21, 2011

How to Settle a 00 Loan With Bad Credit Obvious Style?

Getting a 00 loan with bad credit is highly easier these days than absolute was 20 caducity ago thanks to the time in of a enhanced elbow grease – the payday loan undertaking.

By:
zackickl

Finance>
Loansl
May 21, 2011

SBI’s credit card operations turn the bend

One silver lining for the State Bank of India amidst its disappointing results was the turnaround of its beleaguered credit card operations during the last year.

By:
Bhavana Jhinganl

Finance>
Loansl
May 21, 2011

Bank of India: Relationship building with ‘Middle India’

Bank of India has revolved its communication around ‘relationships’ that go beyond banking, having chanced upon the tagline ‘Rishton ki jamapoonji’ around five years ago.

By:
Bhavana Jhinganl

Finance>
Loansl
May 21, 2011

SBI’s associate banks make up for its profit fall

The State Bank of India’s associates reported a 34% rise in net profit in the quarter ended March compared with the previous fiscal , even as the country’s largest lender’s net plummeted due to higher provisioning for bad loans and pension & gratuity liabilities. Consolidated net profit of the five associate banks of SBI stood at Rs 1,264.70 crore in the fourth quarter, compared with Rs 939.46 crore a year ago.

By:
Bhavana Jhinganl

Finance>
Loansl
May 19, 2011

State Bank of India Profit fall 99%

State Bank of India posted a 99% drop in fourth-quarter net profit, as provisions and tax expenses surged, warning it would continue to set aside substantial funds, mainly for potential bad loans, in the next couple of quarters.

By:
Bhavana Jhinganl

Finance>
Loansl
May 18, 2011

Double digit loan rates to make home less sweet

Customers with floating rate of home loans have started facing the heat as the interest on home loans goes up by 50-75 basis points. Most banks have informed their customers about revision in the interest rates. Interest rate on home loans

By:
Bhavana Jhinganl

Finance>
Loansl
May 18, 2011

Loan, home loan, home loan application, cards, finance

If you’re planning to buy a house, you’ve probably begun exploring how and where to get a home loan. Your research will have pointed out the most essential factor that will help you get one-a good credit score. If you had never bothered to check your score before, you must be busy ensuring that you get a high one.

By:
Bhavana Jhinganl

Finance>
Loansl
May 16, 2011

Loans for persons not drawing a salary

The salaried class is dream category for banks when it comes to making lending decisions. After all, those in the category have a stable source of income and they seem to be the best placed to deal with equated monthly instalments.

By:
Bhavana Jhinganl

Finance>
Loansl
May 12, 2011

Increasing home loan EMIs may cause defaults: Kamath

KV Kamath, currently the non-executive chairman of India’s largest private sector lender, ICICI Bank has said retail consumers would be the worst hit because of the continuing interest rate hikes.

By:
Bhavana Jhinganl

Finance>
Loansl
May 11, 2011

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