Many dream for own residence and youngsters are more among the aspirants with almost all banks coming forward with loan proposals the scenario has turned worse. If in the case some body willing to purchase a home of their desire through housing loan from any of the leading banks then the repayment structure will surely bother because, the EMI will be almost 60 -70% of their total monthly earnings which is in fact hard to bear.
Speaking with the www.propertykhazna.com Mr. Sanjay Verma Joint Managing Director of Cushman and Wakefield said that in India the EMI’s will not exceed more than 50% of the total monthly earnings of any applicant and he further added that any candidate looking for housing loan is required to manage about 30% of the total value before approaching the banks for financial support and the average age of a home buyer is now 31 years which was 42 years earlier.
Presently the situation in India is much improved and people here are good on savings and commonly youngsters with corporate background are efficiently managing with the required funds prior to approaching the banks.
Cris Infac had conducted a study on the present scenario and revealed reports at the www.propertykhazana.com say that the normal or per capita income is increasing and the households earning more than Rs. 2 lakh per annum has crossed 1.8 crore in the year 2006 which was around 48 lakh in the year 1996 and the report also added that the figure is predicted to touch 3.22 crore by 2010.
It is also said by the experts that to match the ongoing demand there is a huge investment required to mobilize and as per the survey conducted India is in need of Rs. 2 Lakh crore investments every year for the next 5-6 years incessantly.
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