This book is divided into two parts. Part I covers practical aspects of home loan proposal, appraisal, documentation, risk assessment, securitization and financing to Builders. Part II presents commentary on role of mortgage counsellors. The book also covers taxation provisions relating to capital gains, EMI calculation, mortgage methodology, reverse mortgage, home buying process, title/conveyance of property, valuation of house property, essentials of civil work, data management. Part II also dwells on skills needed for carrying the profession of mortgage counsellor.
The book forms part of the course material provided by Indian Institute of Banking & Finance to the candidates appearing for the examination for creation of the profession of mortgage counselling. National Housing Bank, housing regulator for the country, has designed the course and IIBF with support of experts has developed this courseware. This book will also prove good primer to all persons who are in home loan market and will be useful to banking and finance fraternity.