Home loan growth to moderate to 15%: Icra study

A sharp increase in interest rates rise and prepayments due to swim in the demand for fresh loans, along with the growth of the mortgage (home loan) 2010-11, this market will be 15% in 2011 to 12 percent, 18 Conversely, Icra says the study.

According to rating agencies, higher ticket size (as a result of high real estate prices) and higher income levels can support the growth of mortgage credit. However, the sector regulator, National Housing Bank (NHB) is a new notification by the housing finance corporations (HFCs) may affect the profitability of.

NHB, HFCs reulwihan regulators such as the recent past and a new home loan floating interest rates should be charged to the customer announced. It also pre-closure of mortgages to give a penalty for the HFC asked.

Mortgage market share of HFCs in the last three years has increased about 31 percent. These niche customer segments, and relatively superior customer service, and significant growth plans (part of the new HFCs) as the destination, they focused on the strength of approach can maintain their market share. However, the corresponding share of the market kkwakdeului bank network, taking into account a wide range of reliable, low-cost access to funding, their priority sector lending is likely to be the command and investigated. 2010 to 11 percent of the total bank credit growth of 21.

HFCs large part of the teaser rate mortgage portfolio since the second half of the 2011-12 machine will start getting repriced, 25 to 40 basis points to improve the overall yield, but the cost of the spread of interest given the sharp rise, can deny this fiscal Fund for the year.

The study further interest in the past and new customers to charge uniform requirements, if implemented in the spirit of NHB announcement, HFCs vis the bank's competitive position could be weak is described.

Because the HFCs Icra standard asset provisioning of credit (home loan) 15-25 basis points of additional provisioning requirements may be increased at the level of 2010-11 says. In addition, Icra difficulties in the operating environment and another 10 to 15 basis points negative impact on credit costs will be part of a given change in the risk profile of HFCs, asset quality, said there may be some degradation.

Icra also NHB loans in line with the notification for the same credit profile to follow even if the price and profitability cents more per can affect the high cost of funds and credit provisions of HFCs in the 2-3 return on capital ( ROI), said to be reduced.

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