Abstract
Home ownership has always been among the top priorities of households in India. The post reforms period has witnessed higher disposable incomes, lower rates of inflation and lower rates of interest rate. Besides that, the increased thrust on retail lending and the aggressive stance of new entrants in the liberalized financial sector of India has led to the expansion of the housing finance sector among other things. These factors have created conducive environment for the demand for housing. In this context, the paper examined the demand for home loans as a derived demand for housing. The outstanding home loans of commercial banks, number of home loan accounts, share of home loans in the total credit of banks, etc, have been examined as indicators of trends in the demand for housing.
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