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FINANCING REAL ESTATE  AND HOUSING: THE INDIAN PERSPECTIVE Keki Mistry Managing Director, HDFC FICCI: “Global Banking: Paradigm Shift”  October 6, 2005
Background on HDFC ,[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Housing Market Scenario
Improved Affordability Property price estimates in suburban Mumbai Affordability equals property prices by annual income 1 Lac = 1,00,000
Effective Rates On Home Loans
Mortgages as a % of GDP 3% 9% 13% 23% 36% 37% 49% 51% 0% 10% 20% 30% 40% 50% 60% India Thailand Korea Malaysia Singapore Taiwan Hong Kong USA 54% UK 48% Germany 70% 70% Denmark
Housing Shortage Source : NBO,  Usable Housing Stock &  No of Households (Million) Shortfall (Million)
Increasing Urbanisation Trends Population Projection: 2001-2025 28 72 29 71 30 70 32 68 34 66 36 64 Source: Census Population Figures
Typical Profile of a Customer ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
The Indian Real Estate Market:  Contribution to the Economy ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Real Estate Segmentation ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Non-Housing Real Estate Market ,[object Object],[object Object],[object Object],[object Object],[object Object]
Non-Housing Real Estate Market ,[object Object],[object Object],[object Object]
Opportunities ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Policy Measures Needed for  Real Estate ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Policy Measures Needed for Real Estate ,[object Object],[object Object],[object Object],[object Object],[object Object]
Securitisation ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Role of Developers ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
The Future ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
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Mr keki mistry 6.10.05

  • 1. FINANCING REAL ESTATE AND HOUSING: THE INDIAN PERSPECTIVE Keki Mistry Managing Director, HDFC FICCI: “Global Banking: Paradigm Shift” October 6, 2005
  • 2.
  • 3.
  • 4. Improved Affordability Property price estimates in suburban Mumbai Affordability equals property prices by annual income 1 Lac = 1,00,000
  • 5. Effective Rates On Home Loans
  • 6. Mortgages as a % of GDP 3% 9% 13% 23% 36% 37% 49% 51% 0% 10% 20% 30% 40% 50% 60% India Thailand Korea Malaysia Singapore Taiwan Hong Kong USA 54% UK 48% Germany 70% 70% Denmark
  • 7. Housing Shortage Source : NBO, Usable Housing Stock & No of Households (Million) Shortfall (Million)
  • 8. Increasing Urbanisation Trends Population Projection: 2001-2025 28 72 29 71 30 70 32 68 34 66 36 64 Source: Census Population Figures
  • 9.
  • 10.
  • 11.
  • 12.
  • 13.
  • 14.
  • 15.
  • 16.
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  • 18.
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