The Credit Risk Guarantee Fund, as the accompanying conditions state, would be available only for housing units which are about 430 square feet in size and for loan amounts that do not exceed Rs 5 lakh. There are two problems with this. There is hardly any supply of small-sized dwelling units in most of our cities; and even if they were available, prices would far exceed the affordability threshold, which is four times an applicant’s annual gross income.......Read More

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