Housing
Candidates who are currently studying in the last year of any undergraduate degree program or who have completed any government approved degree program in Engineering/ Technology/ Science/ Architecture/ Humanities are eligible to appear for GATE 2024.if you are planning to get into m.plan in housing some universities may require GATE scores for admission, while others may allow direct admission and other state conducts their own exam like TANCET.
To know more about M.Plan you can read: https://www.careers360.com/courses/m-plan-master-of-planning
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Question : In the context of Development-Affected People's Movements, what is the primary concern associated with rehabilitation policies?
Option 1: Lack of financial compensation
Option 2: Inadequate housing facilities
Option 3: Insufficient attention to cultural and social integration
Option 4: Overemphasis on urban resettlement
Correct Answer: Insufficient attention to cultural and social integration
Solution : In the context of Development-Affected People's Movements, a primary concern associated with rehabilitation policies is the insufficient attention to cultural and social integration of displaced communities, which can lead to social dislocation and loss of identity.
Question : Which of the following institutions is responsible for regulating and supervising the functioning of housing finance companies in India?
Option 1: Securities and Exchange Board of India (SEBI)
Option 2: National Housing Bank (NHB)
Option 3: Reserve Bank of India (RBI)
Option 4: None of the above
Correct Answer: National Housing Bank (NHB)
Solution : The correct answer is (b). National Housing Bank (NHB)
The National Housing Bank (NHB) is an apex financial institution in India that specializes in housing finance. It was established by the Indian government to promote and regulate the housing finance sector in the country. NHB has the authority to oversee and regulate housing finance companies, ensuring compliance with regulatory guidelines and promoting stability in the housing finance market.
Question : Which of the following is not a type of financial market?
Option 1: Stock market
Option 2: Commodity market
Option 3: Housing market
Option 4: Labor market
Correct Answer: Labor market
Solution : The correct answer is (d) Labor market.
The labor market is not considered a type of financial market. The labor market refers to the supply and demand for labor, where individuals seek employment opportunities and businesses seek to hire workers. It is primarily concerned with the exchange of human capital (skills, labor, and expertise) rather than financial assets.
Question : Comprehension: An endangered species is a type of organism that is threatened by extinction. Species become endangered for two main reasons: loss of habitat and loss of genetic variation. A loss of habitat can happen naturally. Dinosaurs, for instance, lost their habitat about 65 million years ago. The hot, dry climate of the Cretaceous period changed very quickly, most likely because of an asteroid striking the Earth. The impact of the asteroid forced debris into the atmosphere, reducing the amount of heat and light that reached Earth's surface. The dinosaurs were unable to adapt to this new, cooler habitat. Dinosaurs became endangered, then extinct. Human activity can also contribute to the loss of habitat. Development for housing, industry, and agriculture reduces the habitat of native organisms. This can happen in several different ways.
Development can directly eliminate habitat and native species. In the Amazon rainforest of South America, developers have cleared hundreds of thousands of acres. To "clear" a piece of land is to remove all trees and vegetation from it. The Amazon rainforest is cleared for cattle ranches, logging, and urban use. Development can also endanger species indirectly. Some species, such as fig trees in the rainforest, may provide habitat for other species. As trees are destroyed, species that depend on that tree habitat may also become endangered. Tree crowns provide habitat in the canopy, or top layer, of a rainforest. Plants such as vines, fungi such as mushrooms, and insects such as butterflies live in the rainforest canopy. So do hundreds of species of tropical birds and mammals, such as monkeys. As trees are cut down, this habitat is lost. Species have less room to live and reproduce.
Based on the passage above, choose the correct option for the following question.
Question
Which of the following statements is correct, according to the passage given above?
Option 1: Development for housing, industry, and agriculture increases the habitat of native organisms.
Option 2: A loss of habitat can happen naturally.
Option 3: Development does not have any effect on habitat.
Option 4: Fig trees never provide habitat for any other species
Correct Answer: A loss of habitat can happen naturally.
Solution : The correct choice is the second option.
The passage mentions that a loss of habitat can occur naturally. For example, it describes how dinosaurs lost their habitat about 65 million years ago due to a rapid change in the climate caused by an asteroid impact. This natural occurrence led to a significant alteration in the environment, making it unsuitable for the dinosaurs to adapt, ultimately resulting in their endangerment and extinction.
Therefore, according to the given passage, the correct statement is: "A loss of habitat can happen naturally''.
Question : Angel Ltd., a stockbroker, purchased 5,000 shares of Tata Housing Ltd. It is
Option 1: Operating Activity
Option 2: Investing Activity
Option 3: Financing Activity
Option 4: General Activity
Correct Answer: Investing Activity
Solution : If a stockbroker, purchased shares of Tata Housing Ltd. than it is treated as Investing Activity.
Hence the correct answer is option 2.
Question : ___________ is a financial institution that specializes in providing loans for purchasing homes.
Option 1: Housing Development Finance Corporation (HDFC)
Option 2: Industrial Development Bank of India (IDBI)
Option 3: Small Industries Development Bank of India (SIDBI)
Option 4: Export-Import Bank of India (EXIM Bank)
Correct Answer: Housing Development Finance Corporation (HDFC)
Solution : The correct answer is (a) Housing Development Finance Corporation (HDFC)
Housing Development Finance Corporation (HDFC) is a financial institution that specializes in providing loans for purchasing homes in India. It is one of the largest housing finance companies in India and offers a range of home loan products to individuals and families.
HDFC provides home loans for various purposes, including buying a new home, constructing a house, purchasing land for construction, renovating or improving an existing home, and refinancing existing home loans. They offer competitive interest rates, flexible repayment terms, and personalized customer service to cater to the diverse needs of homebuyers.
Question : Hindustan Housing Finance Ltd., an unlisted company, has outstanding 20,000, 8% Debentures of Rs. 100 each redeemable at a premium of Rs. 10 each. Out of these, 5,000 debentures are to be redeemed on 31st December, 2020. Debentures Redemption Reserve should be
Option 1: Rs. 1,37,500
Option 2: Rs. 2,50,000
Option 3: Nil
Option 4: Rs. 3,50,000
Correct Answer: Nil
Solution : Answer = Nil.
Housing Finance Companies (HFCs) registered with National Housing Bank; Other Listed Companies DRR is not required. Hence, the correct option is 3.
Question : The National Urban Livelihoods Mission (NULM) in India aims to address:
Option 1: Unemployment in rural areas
Option 2: Housing and infrastructure issues in urban areas
Option 3: Skill development among the urban poor
Option 4: Agricultural productivity in urban areas
Correct Answer: Skill development among the urban poor
Solution : The correct answer is (c) Skill development among the urban poor
The NULM was launched by the Ministry of Housing and Urban Affairs, Government of India, with the goal of reducing poverty and vulnerability of urban poor households. It focuses on providing shelter and basic services to the urban homeless, skill development for self-employment and wage employment, and organizing urban poor into self-help groups to enhance their capacities and enable them to access financial services. The mission also aims to promote improved delivery of basic services such as water supply, sanitation, and healthcare to the urban poor. While the NULM primarily addresses housing and infrastructure issues in urban areas, it also emphasizes skill development to enhance the employability of the urban poor.
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