Chapter 2. Mortgage Market in India

  1. Danny Ben-Shahar BA, MBA, PhD Senior Lecturer board member member3,
  2. Charles Ka Yui Leung Associate Professor visiting scholar referee editorial board member member4 and
  3. Seow Eng Ong PhD Professor president recipient5
  1. Piyush Tiwari MSc Senior Lecturer Program Leader Director Associate Editor1 and
  2. Pradeep Debata MPhil, Bachelor of Commerce (Hons) independent consultant affiliate member fellow2

Published Online: 2 FEB 2009

DOI: 10.1002/9781444302301.ch2

Mortgage Markets Worldwide

Mortgage Markets Worldwide

How to Cite

Tiwari, P. and Debata, P. (2008) Mortgage Market in India, in Mortgage Markets Worldwide (eds D. Ben-Shahar, C. K. Y. Leung and S. E. Ong), Blackwell Publishing Ltd., Oxford, UK. doi: 10.1002/9781444302301.ch2

Editor Information

  1. 3

    Faculty of Architecture and Town Planning, Technion – Israel Institute of Technology, Israel

  2. 4

    Department of Economics and Finance, City University of Hong Kong, Hong Kong

  3. 5

    Department of Real Estate, National University of Singapore, Singapore

Author Information

  1. 1

    Business School, University of Aberdeen, UK

  2. 2

    Association of Chartered and Certified Accountants, UK

Publication History

  1. Published Online: 2 FEB 2009
  2. Published Print: 16 MAY 2008

Book Series:

  1. Real Estate Issues

Book Series Editors:

  1. Stephen Brown6,
  2. John Henneberry7,
  3. K. W. Chau8 and
  4. Elaine Worzala9

Series Editor Information

  1. 6

    Royal Institution of Chartered Surveyors, UK

  2. 7

    Department of Town & Regional Planning, University of Sheffield, UK

  3. 8

    Department of Real Estate and Construction, The University of Hong Kong, Hong Kong

  4. 9

    Edward St. John Department of Real Estate, Johns Hopkins University, USA

ISBN Information

Print ISBN: 9781405132107

Online ISBN: 9781444302301



  • mortgage market in India;
  • demographic trends and housing stock;
  • HUDCO largest public sector provider of housing credit for EWS and lower income households;
  • planned housing investment;
  • community-based financial institutions (CFIs);
  • formal mortgage market;
  • changing dynamics of housing finance;
  • resource pattern for HDFC (as of 30 September 2005);
  • securitization of housing loans;
  • future of housing finance in India – fifth phase


This chapter contains sections titled:

  • Economic overview

  • Demographic trends and housing stock

  • Formal mortgage market

  • Securitization of housing loans

  • Role of government and recent regulatory reforms

  • Other developments

  • Finance to builders

  • Issues in housing finance: reform agenda

  • Acknowledgement

  • Notes

  • References