We’re excited to bring you a new deep-dive episode of the Happy Home Loan Podcast featuring Raghuveer Malik, Co-founder and CEO of Ambak, where he shares insights on housing finance and real estate trends in India.
In this conversation, Raghuveer explains why India continues to see strong home-buying demand, supported by a low mortgage-to-GDP ratio, urbanization, nuclear families, and infrastructure growth. He breaks down what truly drives affordability, including property prices, income growth, interest rates, and government support.
The episode also explores how buyers should think about home ownership as a long-term decision based on personal goals, rather than short-term speculation. Raghuveer highlights how reduced unsold inventory, stronger developers, and regulatory transparency are shaping a more stable market.
We also dive into the role of fintech in simplifying the home loan journey through digitization, better data, and flexible loan options. From first-time buyers to millennials, Gen Z, and self-employed individuals, this episode offers practical insights to help you make informed decisions.
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Chapters
00:00 – Introduction: Housing Finance & Fintech Explained
01:20 – Is Home Buying Demand in India Still Strong?
04:10 – Should You Buy a Home Now or Wait?
07:00 – Are Property Prices Getting Too Expensive?
11:00 – Is Real Estate Still a Good Investment in 2025?
15:30 – Can You Actually Afford a Home Today?
20:30 – Who is Buying Homes Right Now? (Gen Z, Millennials & More)
24:30 – Why Tier 2 & Tier 3 Cities Are Booming
27:30 – Bank vs NBFC vs HFC: Which Home Loan is Better?
32:00 – How to Choose the Right Home Loan for You
37:30 – How Fintech is Making Home Loans Easier
43:30 – Less Paperwork, Faster Loans: What’s Changing?
47:00 – Biggest Mistakes Home Loan Buyers Make
52:00 – Final Advice for First-Time Home Buyers