A Comparative Study between Housing Loan Ecosystem in India and United Kingdom

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Meet Padia, Supriya Bhutiani, Meet Darji

Abstract

This study delves into a comparative analysis of home loans in India and the United Kingdom, focusing on critical parameters such as interest rates, loan tenures, regulatory frameworks, and borrower satisfaction. By leveraging both primary data from a survey of 106 respondents and secondary data from credible academic and industry sources, the research unveils stark contrasts and similarities in the housing finance markets of these two nations. Key findings highlight disparities in loan processing times, transparency, and borrower experiences. The study also offers actionable recommendations for policymakers, financial institutions, and prospective borrowers to enhance the efficiency and accessibility of home loans.

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How to Cite
Meet Padia, Supriya Bhutiani, Meet Darji. (2025). A Comparative Study between Housing Loan Ecosystem in India and United Kingdom. European Economic Letters (EEL), 15(1), 1231–1234. https://doi.org/10.52783/eel.v15i1.2499
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