The goal of the current paper is to comprehend the numerous dynamics relating to house finance portfolios and to carry out home loan-related empirical research. In this context, secondary data is taken into account from previous research conducted by the researchers as well as government policy makers. The study has found that the various factors including rearranging the government's housing policy, service quality, speed of service delivery, and scheme implementations should match the economic profile of the borrowers. Furthermore, there are discrepancies between borrowers who have availed of house loans from public banks and private banks. The staff of both public and private banks is equally skilled at providing door-to-door assistance to customers looking for housing loans. However, there are some problems that borrowers may come across such as; burdensome documentation, strict eligibility rules, lengthy process, and high-interest rates offered by non-banking financial institutions, therefore, these still need to be improved.

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Keywords: Housing Loan, Public Banks, Private Banks, Non-Banking Financial Companies, Financial Lending Institutions.