Diploma in Home Load Advising

Indian Institute of Banking and Finance
Distance

Price on request
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Important information

  • Diploma
  • Distance learning
  • Mumbai
  • Duration:
    2 Years
Description

To build professional competence and enhance counselling skills in Home Loan Market is the aim of this course.

Important information
Venues

Where and when

Starts Location
On request
Mumbai
The Arcade', World Trade Centre, 2nd Floor, East Wing, Cuffe Parade, 400005, Maharashtra, India
See map

Frequent Asked Questions

· Requirements

ELIGIBILITY: The applicant should be Graduate of a recognized university.

Course programme

SYLLABUS:


PAPER I: ESSENTIALS OF HOME LOAN- PRACTICE & PROCEDURE


1. Overview of housing finance- housing and economic development-evolution of housing finance in India and leading financiers in the field
2. Basics of housing finance
3. Essentials of a home loan proposal- quantum of finance - interest- tenursecurity- terms & conditions
4. Processing home loan application
5. Lenders appraisal procedure- pre-sanction stage- sanction- documentationinsurance- monitoring-inspection- credit rating
6. Other lending schemes- finance to private builders- take over of loans from other institutions- home loans to NRIs
7. Housing finance in metro cities- local laws and requirements
8. Rural Housing Finance- Valmiki Ambedkar Awas Yojna
9. Securitization- mortgage backed schemes
10. RBI guidelines on Housing Finance
11. National Housing banks guidelines on Know your Customer - Anti Money Laundering- Project finance Policy- Fair Practices code for HFCs


PAPER II: HOME LOAN COUNSELLING


1. Financial Counselling - basic communication principles/skills - attending and listening skills-counselor leading responses
2. Housing finance & tax planning
3. Economic and regulatory context for giving mortgage advice-development of"home information packs" - quantitative skills - time value of money - interest
and annuities - development of calculators such as EMI calculator - Stamp duty calculator - Tax calculator - Capital gain tax calculator- use of excel in complex computing; public awareness
4. Consumer behavior - customer service - managing service quality - conflict resolution skills-consumer protection, reduction of financial crime
5. Buyer of property- his expectations- legislative remedies available to consumer for redressal of his grievances
6. Mortgage- legislations relating to mortgages- the purpose of additional security including the role of guarantors-mortgage repayment methods- transfer of mortgages- mortgage arrears- other breaches of mortgage deed- debt consolidation arrangements- legal remedies in respect of non payment by borrowers-default protection and insurance- problems of senior citizens- dealing with senior citizens
7. Home buying process- Various participants- buyer, seller, lender, lawyer/ solicitor, mortgage advisor, mortgage broker, conveyancer, valuer of property
8. Title of property- defects in title- taking search of property records with government authorities-marketable title
9. Conveyance of property- legal provisions- practical aspects of conveyance - title to flat in co-operating housing society- apartment co-operative societies maintenance charges - formalities of transfer of flats/apartment - essentials of tenancy law
10. Formation and Role of Mortgage Lenders Forum - accreditation of mortgage Councilors
11. Valuation of property- different forms of valuation for different types of properties
12. Essentials of civil work - flat/apartment/row houses/independent dwelling units/ bungalows -Floor space index- measurement of areas- built up- carpet- service
areas-amenities
13. Data management- maintenance of records- work flow.

Additional information

Payment options: First two attempt: - Rs.5000/- : For Members -Rs.6500/- : For non-members Note: Includes registration fee of Rs.500/-

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