Credit Access and Affordability: A Critical Analysis of the Housing Finance Sector's Response to India's Housing Shortage
Author(s): Mrs. B. Narmadha
Publication #: 2509019
Date of Publication: 11.08.2025
Country: India
Pages: 1-10
Published In: Volume 11 Issue 4 August-2025
Abstract
Housing is universally recognized as one of the most fundamental human needs, alongside food and clothing, providing essential security, privacy, and a foundation for socio-economic development. In India, fulfilling this need presents an unprecedented challenge. With a population exceeding 1.3 billion and projected to grow, the demand for adequate housing is immense. The core objective for urban planners and policymakers is not only to augment the national housing stock but to overcome a significant existing shortage. This paper critically examines the central role of the housing finance sector in this endeavour. By analysing the sector's contemporary challenges and assessing current and projected housing shortages, this study evaluates the feasibility of achieving the goal of affordable housing for all.
Keywords: Housing Finance, Housing Shortage, Challenges in Housing Finance Sectors.
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