A new crypto backed mortgage model lets homebuyers partner with Coinbase to use Bitcoin (BTC USD) or USDC stablecoins as collateral for down payments, aiming to avoid immediate crypto sales and related tax events. But the tradeoff is steep: monthly payments can become much higher than traditional mortgages, squeezing affordability for many would be buyers.
PNB Housing Finance expects 18–20% loan growth this fiscal year, with an ambitious push to build its loan book to Rs 1 lakh crore by FY27. The strategy leans on affordable and emerging customer segments, while recoveries from previously written-off loans are expected to keep credit costs under control.
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In a 2025 decision, India’s Supreme Court backed a land buyer after a seller concealed an existing mortgage during the transaction. The court held that when property encumbrances are fraudulently hidden, the buyer is entitled to a full refund of the deposit. The ruling reinforces that prospective buyers must verify title and mortgage status before paying or registering.
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