- Evolution of Housing Finance
- Understanding Regulatory Structure
- The flow of money in housing finance
- Key Growth Drivers in Housing Finance Industry
- Challenges and Opportunities in Housing Finance Industry
At the end of the module, you will have three major takeaways
-The first is you will emerge as a confident mortgage professional having understood the basics of housing finance sector in India.
- The second is you will be an expert in understanding the rationale of government policies shaping this sector. This in turn will help you to identify your markets, customer segments to grow your mortgage business.
- Lastly, in any of the roles that you will take-up in the mortgage industry, you will find yourself as professional stepping on the right path aiming for growth in the industry
After every learning session, there will be a knowledge test that will help you to recollect the session & at the end you need to appear the final test that includes all the session from this module.
1. Evolution of Housing Industry
2. Major Milestones
3. Regulatory Structure in BFSI sector and
4. Interconnectedness
5. Flow of Money in the Economy
6. Key Growth Drivers
a. Customer Perspective
b. Government Perspective
c. Developer Perspective
d. Mortgage Institutions Perspective
7. Challenges and Opportunities in the
Housing Finance Sector
a. Macro Environment
b. From the perspective of Stakeholders – Developer,
Government, Mortgage Finance Institutions and the Government
8. Assessment and Certification
Section: 4 | Lessons 21 | Knowledge Test 4 | Final Assessment 01 |
06 Lessons • 1 attachment • 1 Trial
| Preview of the course | Video |
| Introduction | Video 2m 30s Attachment |
| Evaluation of Housing Industry | Video 2m 44s Trial |
| Major milestone | Video 5m 2s Trial |
| Session 1 – Recap | Video 1m 23s Trial |
| Knowledge Test | 3 min |
4 lessons
| Regulatory Structure | Video 10m 42s |
| Flow of money in Housing Finance | Video 04m 10s |
| Session 2 – Recap | Video m 37s Trial |
| Knowledge Test | 3 mins |
5 Lessons
| Key Growth Drive – Consumers | Video 10m 40s |
| Key Growth Drive – Developer | Video 3m 22s |
| Key Growth Drive – Bank and Hfcs | Video 07m 31sl |
| Recap | Video 1m 33s |
| Knowledge Test | 3 min |
10 Lessons
| Challenges – Macro Environment | Video 05m 12s |
| Challenges – Housing Finance Company | Video 05m 04s |
| Challenges – Developer | Video 03m 11s |
| Challenges – Government | Video 02m 21s |
| Opportunities – Macro Environment | Video 01m 28s |
| Opportunities – Housing Finance Company | Video 05m 04s |
| Opportunities – Developer | Video 03m 11s |
| Opportunities – Government | Video 02m 21s |
| Recap | Video 1m 33s |
| Knowledge Test | 3 min |
05 Assessment - Introduction to Housing Finance |
Final test – 10 min |
This module is suitable for an individual be it a college student or a professional from wide spectrum of BFSI sector aspiring to work in a retail bank as a Sales, Operations, Credit/ Operations Risk, Collections, Legal and Technical role. This module is also suitable for professionals working in the retail banking industry with 1-15 years of work experience.
This module will be very good for students and professionals working or intending to work as an independent Certified Financial Planner, Insurance Advisors or Direct Sales Associate (DSA), Connectors, Business Associate in the domain of retail loans.
This module is also recommended to individuals having taken or proposing to take a retail loans as a customer of a Bank, NBFCs or HFCs, or Microfinance institution.
The module is of 73 minutes.
Total time required for this course would be nearly 73 minutes. The entire course has been divided into smaller micro learning modules. You can even complete micro modules of 05 to 20 minutes at your convenience. We recommend you allot good time to recap your learnings.
To make it simple and easy to understand, the course will be delivered as video-based module with voice over in English to assist learners. We have designed this course spread over various segments followed by a knowledge test and an assessment at the end.
You will be asked to download a workbook at the beginning of the module. Do remember to download and take notes and list down your questions that you may want to ask the facilitators of the course.
To make it easy, we have two sections in every frame of the video.
The first is discussion board. It is a community of learners, where you can raise your questions that may be answered by one of the learners or by the facilitators for the course. It is possible that your questions may have been raised already by a learner, and you can see trail of the discussion and concluding comments by the facilitator.
The second is a section for taking notes. This is an online space for you to take notes of your learnings or important points that you want to recall. You must remember to download or copy the same to your note pad or a word document before expiry of the course for which you may have been enrolled.
At the end of the course, you will have an “Online Test” for being certified as proficient in the course on getting minimum of 60% and above.
You should identify yourself on the following scale.
Score of 90% plus – Maestro
Score of 70 - 90% - Expert
Score of 50 - 70% - Professional
Score of less than 50% - Try again
You will get a certificate that can be downloaded for your records. We encourage you to share your proficiency on the social media especially in LinkedIn, Instagram and Facebook to showcase your competency amongst our peer group. This will help you to build professional competency profile.
Everything you need to know about the curriculum, target audience, and career value in mortgage finance.
This course is designed for aspiring mortgage loan officers, credit underwriters, real estate professionals, banking associates, and NBFC/HFC analysts looking to build a strong operational foundation in residential lending and housing credit ecosystems.
Mortgage finance involves complex legal verifications, long amortizations, and stringent risk frameworks. Mastering housing finance allows you to accurately assess borrower eligibility (LTV, FOIR/DTI), navigate title verification, mitigate credit default risks, and execute regulatory-compliant loan originations.
Key topics include the end-to-end loan life cycle: loan origination, property valuation, legal technical appraisal (LTA), collateral assessment, credit bureau reporting (CIBIL/Equifax/Experian), interest rate structures (fixed vs. floating), and securitization in primary and secondary mortgage markets.
No prior banking experience or advanced math is required. Basic arithmetic and familiarity with basic spreadsheet calculations (Excel) are sufficient, as we introduce mortgage formulas and underwriting metrics from the ground up.
Graduates are prepared for entry-to-mid-level positions such as Mortgage Underwriting Trainee, Loan Processing Officer, Credit Analyst, Housing Finance Advisor, and Mortgage Sales Specialist across retail banks, housing finance companies, and fintech lending platforms.