The current paper is a step towards understanding the various strengths associated with home loan portfolios and co-operative studies related to home loans. About this, secondly, data are viewed. The shown basic variability of arc currencies is after the draw household expenses. Interest rates play an important role. paperwork, declining profits. awareness among potential customers, the poor do not receive budget assistance, government housing policy planning, quality of service. speed of service delivery and the use of programs should be commensurate with the economic situation of borrowers, use of unrelievedly, distribution. and in any way. as long as the original work is well distributed.