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Study of housing finance in India with reference to HDFC and LIC housing finance LTD

House is centre and domestic device for mankind's moral and substance development ever since the dawn of civilization. Housing is one of the most important that we human beings need. | Study of housing finance in India with reference to HDFC and LIC housing finance LTD International Journal of Management IJM Volume 7 Issue 3 March-April 2016 pp. 39 49 Article ID IJM_07_03_006 Available online at http www.iaeme.com IJM issues.asp JType IJM amp VType 7 amp IType 3 Journal Impact Factor 2016 8.1920 Calculated by GISI www.jifactor.com ISSN Print 0976-6502 and ISSN Online 0976-6510 IAEME Publication STUDY OF HOUSING FINANCE IN INDIA WITH REFERENCE TO HDFC AND LIC HOUSING FINANCE LTD PARISHWANG PIYUSH School of Mechanical Engineering KIIT University-Bhubaneshwar Odisha India HIMANSHU NEGI System Engineer Infosys NAVNEET SINGH Social Activist Human Right Protection Forum ABSTRACT House is centre and domestic device for mankind s moral and substance development ever since the dawn of civilization. Housing is one of the most important that we human beings need. Adequate housing is essential for human survival with dignity. There are many things that we would find difficult if not impossible to do without good-quality housing. Housing shortage is an universal phenomenon. It is more acute in developing countries. The housing scenario has become more critical in India in recent years. India has initiated so many housing reform that has taken many forms and manifestations characterized by the reduction in social allocation cutbacks in public funding and promotion of a real estate culture in close partnership between the state and private actors. Mortgage financing markets can play an important role in stimulating affordable housing markets and improving housing quality in many countries. Unfortunately these are still in infancy in India. This lack of development often translates into lower homeownership rates or poor housing quality. Most of these problems stem from the central dilemma that the resources are always too limited and housing development heavily depend on the financial institutions such as banks credit corporations and development banks for the