| 000 -LEADER |
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| fixed length control field |
01078pab a2200145 454500 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION |
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180718b xxu||||| |||| 00| 0 eng d |
| 100 ## - MAIN ENTRY--PERSONAL NAME |
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| Personal name |
Rao, P.S.N |
| 245 ## - TITLE STATEMENT |
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| Title |
Housing finance: the HLA advantage |
| 520 ## - SUMMARY, ETC. |
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| Summary, etc. |
The Home Loan Account (HLA) scheme of the National Housing Bank (NHB), a wholly owned subsidiary of the Reserve Bank of India, is a special scheme which aims to help individuals to save specifically for housing and avail loans on soft terms at interest rates much lower than existing interest rates of scheduled banks. If the amount of loan under the HLA scheme is not sufficient an additional loan can be taken from the same bank at the existing rates of interest. This paper argues that when a person takes a combination of loans under the HLA scheme as well as under existing rates of interest, the effective combined rate of interest would be much lower than in either of the schemes availed of individually. It b |
| 650 ## - SUBJECT ADDED ENTRY--TOPICAL TERM |
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| Topical term or geographic name entry element |
National Housing Bank |
| 650 ## - SUBJECT ADDED ENTRY--TOPICAL TERM |
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| Topical term or geographic name entry element |
Home Loan Account |
| 650 ## - SUBJECT ADDED ENTRY--TOPICAL TERM |
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| Topical term or geographic name entry element |
Housing - Finance - India |
| 773 ## - HOST ITEM ENTRY |
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| Main entry heading |
Urban India |
| 909 ## - |
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| -- |
2646 |
