International Journal For Multidisciplinary Research

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Real Estate Inflation and Housing Finance in India : Mapping the Correlation between Raising Property Prices & Increasing Home Loans among Indian Cities

Author(s) Asikni Garodia
Country India
Abstract Focusing specifically on India — a country that has recently faced recessions partially due to housing bubbles, like many other nations around the world — this research explores in depth how development of real estate linked financing sector have fuelled mortgage led asset price inflation across different cities (both metros & Tier II/III) over decades. Drawing upon a variety of market statistics, policy and economic indicators, the research identifies strong relationships between housing loan availability — by way of loosening mortgage regulations
— and property price growth. The study shows that metropolitan cities have witnessed growth in housing loans at a CAGR of 10-12% over last decade (2010–2020) resulting into similar annual price appreciation for real estate standing between 010-15%. Tier II and III cities alternatively, exhibited slower but more stable growth trends in property prices of 6-8% driven by government push & infrastructure developments.
The research emphasizes how this relationship has been altered by a number of variables, including as urbanization, demographic changes, government housing programs, and regulatory reforms like RERA and GST. The results imply that although housing financing has played a significant part in promoting the expansion of the real estate market, the influence varies greatly depending on local market dynamics, infrastructural development, and the state of the local economy.
Keywords Real Estate Inflation, Home loans, housing finance India , Property price Growth , Urbanisation and Real Estate, Mortgage Regulations, Government Housing Policies , Real Estate Market Dynamics, RERA and GST impact, Tier 1 & Tier 2/3 Cities Real Estate, Economic factors in housing, affordable housing, housing bubbles, interest rates and real estate, metropolitan and regional market comparison
Published In Volume 6, Issue 6, November-December 2024
Published On 2024-11-05
Cite This Real Estate Inflation and Housing Finance in India : Mapping the Correlation between Raising Property Prices & Increasing Home Loans among Indian Cities - Asikni Garodia - IJFMR Volume 6, Issue 6, November-December 2024.
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