Courses - Bharat MortgagesTraining Institute

Mortgages - Home Loan & Loan Against Property

What You Will Learn?

Our course covers every essential aspect of mortgage lending, ensuring you’re fully trained to meet the expectations of banks and housing finance companies:

EMI (Equated Monthly Installment)

a. Learn how EMIs are calculated, structured, and managed.
b. Understand the impact of tenure, interest rates, and prepayments.

ROI (Rate of Interest)

a. Fixed vs floating rates explained in detail.
b. Factors influencing interest rates.

FOIR (Fixed Obligations to Income Ratio)

a. Learn how lenders assess repayment capacity.
b. Practical case studies to calculate FOIR for different profiles.

LTV (Loan to Value Ratio)

a. Understand regulatory guidelines and risk implications.
b. Learn how LTV impacts loan sanctioning.

ITR (Income Tax Return) Reading

a. Practical training on analyzing ITRs for self-employed and salaried customers.
b. Identifying genuine vs inflated income.

CIBIL & Credit Bureau Reading

a. Deep dive into credit reports, CIBIL scoring, and repayment behavior.
b. Learn how to identify risks in bureau reports.

Risk & Fraud Control

a. Learn fraud detection techniques used by banks.
b. Red flags in documents, property, and borrower profiles.

NPA (Non-Performing Assets)

a. Understanding NPAs and their impact on lenders.
b. Preventive measures to minimize loan defaults.