International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 8, Issue 3 (May-June 2026) Submit your research before last 3 days of June to publish your research paper in the issue of May-June.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 8 Issue 3
May-June 2026

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

What Demographic Factors (Age, Education, Employment Type) Most Strongly Predict Successful Access to Housing Loans among First-time Buyers

Author(s) Mr. Rajvir Sehgal
Country India
Abstract The home loan industry in India is no older than 4 to 5 decades (Sharma, 2024) and has evolved from being a concept that benefited only the rich to a household name. These years have seen many substantial reforms, additions and subtractions in the process of lending and availing home loans. This paper tries to simplify the nitty-gritty of home loan application and procurement for the first time applicants. It primarily aims to assess the functioning relationship between home loans and certain demographic factors. The paper primarily discusses three major demographic factors in detail and briefly mentions some others. The elements that form the subject matter of this research are the demographic factors of age, employment and education and their contribution to the process of ascertaining the probability to avail home loan for the first time buyers. During the due course of the research, the study shall also discuss the typical process of availing a home loan, the current situation of the home loan market, different parameters or criteria required to be met by the loan seekers and the issues that may arise. Eventually, the research shall include some of the key suggestions for the new applicants, in order to assist them in increasing their chances of procuring the loan amount. Finally, a take-away crux of the entire research will be narrated in the conclusions section.
Keywords Home Loan, First time buyers, Banking, Finance, Age, Employment, Education.
Published In Volume 7, Issue 4, July-August 2025
Published On 2025-08-23
DOI https://doi.org/10.36948/ijfmr.2025.v07i04.54208
View / Download PDF File

Share this



E-ISSN 2582-2160
CrossRef

CrossRef DOI is assigned to each research paper published in our journal.

IJFMR DOI prefix is
10.36948/ijfmr

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 8 Isu 2Cover Page Vol 8 Isu 1Cover Page Vol 7 Isu 6

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJFMR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Publication Ethics
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Reviewer Referral Program
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us +91-9687-828-838 editor@ijfmr.com
Powered by Sky Research Publication and Journals