Financing in Indian real estate has changed significantly over the past 50 years for both developers and buyers.

Real estate firms have seen the universe of funding agencies expanding from unorganised moneylenders to the entire gamut of funding sources, including loans from banks and housing finance institutions (HFIs), private equity, public equity offerings, bonds, and debentures.

Buyers have seen the shift from ownresource-funded home purchases to bank-funded mortgage finance.

This shift has helped the real estate sector match the fast-growing buyer demand on the one hand, and has boosted the financial flexibility of developers to provide adequate real estate supply on the other.

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