000			01078pab a2200145 454500
008			180718b xxu||||| |||| 00| 0 eng d
100			_aRao, P.S.N
245			_aHousing finance: the HLA advantage
520			_aThe 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			_a National Housing Bank
650			_a Home Loan Account
650			_aHousing - Finance - India
773			_aUrban India
909			_a2646
999			_c2646 _d2646