Report presents overall housing scenario, analysis of housing schemes and role of primary lending institutions in the sector.
Key Highlights of Report
- Banks account for 81% whereas Housing Finance Companies (HFCs) account for 19% of housing loans.
- Distribution of loans(outstanding) : Middle Income Group(44%)> EWS & Lower Income Group(39%)> High Income Group (HIG): 17%
- Housing loans (as % of GDP): It has increased from 6.60% (2011-12)to 11.29% (2023-24).
- Green buildings: Only 5% of buildings are classified as green
Challenges in Housing Sector in India:
- Regional Disparity in Finance: Southern (35%), Western (30%), Northern (28%), Eastern (5.4%) , North Eastern States (0.68%)
- Climate Risks: Increased vulnerability to floods, fires, and extreme weather calls for resilient and energy-efficient buildings.
- Issues in Green Building: Limited number of certification bodies, lack of standard certification framework, and high material costs.
Opportunities
- Technological advancements: E.g: Use of AI, data analytics, and predictive modelling, 3D Printing can reduce costs, speedup projects
- Increased Liquidity: E.g. REITs provide opportunity for smaller investors to participate in large-scale projects and offer more liquid investment options.
- Budget Push (2025-26): Urban Challenge Fund, National Geospatial Mission to boost housing sector growth.
About National Housing Bank
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