Planning To Buy A Home In Rural India? Why Banks May Look Beyond Income

India's rural housing market is changing. The aspiration to own a pucca home is growing, but getting the money to build or buy one remains a challenge for many households.And the biggest hurdle may not always be higher interest rates. For rural borrowers, the bigger problem can be proving that they have a stable income and a property that can be accepted as security for a loan.This is because rural incomes often do not follow the predictable pattern seen in cities. A household may earn from farming, a small shop, livestock, daily wages, self-employment or several of these activities at the same time.