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Mortgage Loans

 

In this eLearning module on Mortgage Loans, we will look at different types of mortgage loanshome loans, loan against property and project finance for real estate.

 

Coverage and structure for eLearning module

 

Topic

Sub-topic

Introduction to Home Loans w ith overviewof market scenario

  • Introduction to Home Loans w ith overview of market scenario
  • Fixed Rate Vs Floating Rate Loans
  • Home Loans under Priority Sector
  • Affordable Housing Scheme
  • Credit Assessment for Home Loans – Salaried Segment
  • Credit Assessment for Home Loans – Self Employed / Businessperson
  • Credit due diligence in Home Loans
  • Credit delivery / disbursal methodology for Home Loans
  • Key aspects in Balance Transfer / Loan Takeover
  • Key aspects in Home Loans for :
    • Public Housing Project
    • Redevelopment Projects
    • Rehabilitation Projects

    Introduction to Loan Against Property

    • Introduction to Loan Against Property
    • Assessment for Home OD product
    • Assessment for Home Improvement Loan
    • LAP as a Working Capital Product
    • LAP as a Term Loan product
    • LAP as a Subordinated Debt in a Project Loan
    • Assessment for Lease Rental Discounting
    • Risk factors in Lease Rental Discounting

    Project Finance for Real Estate

    • Project Finance for Real Estate – Housing
    • Project Finance for Real Estate – Commercial
    • Project Finance for Real Estate – Mixed Use
    • Financing for Shopping Malls

    Case Studies

    Case studies for –

    • Home Loan for Salaried Segment
    • Home Loan for Self Employed Segment
    • Home Loan for Af fordable Housing Segment
    • Home Loan for Redevelopment Project
    • Home Loan for Public Housing Project
    • LAP for Business
    • LRD Proposal
    • Builder Funding for Residential and Commercial Real Estate

    Regulatory aspects for mortgage loans

    • Exposure norms
    • Ref inancing and /or Restructuring of exposure
    • Commercial Real Estate
    • Risk weightage and Capital Adequacy
    • Income Recognition and Provisioning Norms

     

     

    Module Fees: Rs. 2500/-                                  Access period: 3 months                                 Learning time: 3 hours

     

     

    Steps to purchase

     

    • Go to CRISIL Learning platform https://training.crisil.com/
    • On https://training.crisil.com/ (CRISIL Learning platform) – sign up to create your unique login ID and password
    • Once your account is set up, search for "Mortgage Loans" from the search bar
    • Select the e-learning module - Mortgage Loans, and click on buy now; it will get added to your cart
    • Click on 'Cart' and purchase the module(s) with your debit or credit card
    Detailed steps

    Features of eLearning modules:

     

     

    Real life case studies

     

    Real life case studies built leveraging our expertise in research, ratings & risk solutions

     

    Expert Speak

     

    Insights incorporated in eLearning, based on 15+ years of classroom training experience

     

    Glossary & Resources

     

    End to end structure comprising basic definitions to advanced readings

     

    Visuals for workflows

     

    Use of visuals to show a complex process or workflow

     

    Interactive examples

     

    Interspersed with practice exercises and interactive examples to help apply concepts

     

    Knowledge checks

     

    Knowledge checks at the end of each topic to ensure absorption of concepts

     

    Animations

     

    Animations & Characters to make complex concepts easy to learn

     

    Gamification

     

    Final assessment questions & gamification at the end of the module to ensure learning objectives are met