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Impact of Economic Factors on Housing Finance: An Economic Analysis
Authors
Dr. Venkatesha T.K,Yashodha G,Dr.Shivakumaraswamy
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Keywords
Economic Impact, Housing Finance Companies (HFC's), Interest Rate, House Affordability.
Abstract
The following research question guides this study: How do economic factors affect housing finance and the major indicators that influence interest rates or housing affordability? They are as follows: To find out the said economic indicators, appraise their changes and analyze their impact on housing finance. Working hypotheses for the purpose of carrying out the research studies are as follows: In order to compare and contrast the interest rate policies of various types of banks, including those in the public and private sectors as well as HFCs and international banks? What relationship exists between inflationary pressures and housing affordability? Secondary data is collected with the help of using renowned online databases, government reports, and financial magazines to study the trends in the interest rates of the recent times and the other economic indicators. Some of the important quantitative techniques for analyzing data and presenting relationships between economic variables and housing finance indicators are data visualization techniques. These literature theories are then supplemented with secondary data in order to arrive at a synthesis which consists of current theoretical and empirical literature. It is possible to note that public sector banks show a relatively steady competition on interest rates, while private sector banks indicate a wider arsenal of interest rates. Variability is seen in some HFCs, while others have kept rates standard and some have a slight or big gap. Global banks follow this pattern with interest rates from 8.45% and above. Furthermore, this work finds inflationary pressures have an inverse relationship with housing affordability, further affirming the difficulties that prospective homeowners are likely to encounter due to escalating property prices and flatlining incomes. Policymakers, financial institutions, and other interested parties can use these results to better understand how to manage economic volatility and promote long-term homeownership by expanding our understanding of the complex relationships between housing finance and macroeconomic indicators.
IJCRT's Publication Details
Unique Identification Number - IJCRT2411460
Paper ID - 272499
Author type - Indian Author
Page Number(s) - e49-e56
Pubished in - Volume 12 | Issue 11 | November 2024
DOI (Digital Object Identifier) - https://doi.org/10.56975/ijcrt.v12i11.272499
No Of Downloads - 136
Author Country - India, 570001, BENGALURU, BENGALURU, 570001, Medical Science All
Publisher Name - IJPUBLICATION | www.ijcrt.org | ISSN : 2320-2882
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Dr. Venkatesha T.K,Yashodha G,Dr.Shivakumaraswamy, "Impact of Economic Factors on Housing Finance: An Economic Analysis", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.12, Issue 11, pp.e49-e56, November 2024, Available at :http://www.ijcrt.org/papers/IJCRT2411460.pdf
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