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""Let whatever regulatory controls like Asset Liability Management, Leverage, Risk Management etc, the RBI wants to bring in to enforce goveance and systemic issues, be implemented, but till then liquidity should made available to NBFCs and HFCs.. Indiabulls Real Estate and Tata Housing are exiting the housing development business.Many housing sector experts feel interest rate cuts have not worked and this needs to be addressed."Anuj Puri, Chairman, Anarock Property Consultants said, "Housing for All by 2022 seemed highly ambitious — indeed, over-ambitious — though doubtlessly noble in intent.Genuine consumers are not able to buy houses due to soaring prices while speculators have booked a majority of the developers houses/flats in prestigious projects, which has led to price bubble forming in the housing sector Wholesale Concrete screw at a time when housing finance companies and house developers are facing liquidity crunch.

Insolvency issues and liquidity should not intermix and be dealt separately and liquidity is the top priority to give boost to affordable housing.The Union Budget needs to address the housing sectors issues, as housing finance companies are facing challenging times. With just three years remaining for meeting this intended target, the task ahead is daunting but perhaps doable with concerted political will — if not by 2022, then at least by the culmination of the Modi Govements new five-year term," Puri saidGST rate for cement and other construction material need to be brought down and benefit passed on to home buyers for bringing down cost of the affordable housing schemes.As a result some big players have started exiting the housing sector. Long term resolution of the liquidity crisis in NBFCs will also need to be addressed.Deo Shankar Tripathi, Managing Director and CEO — Aadhar Housing Finance said,"The foremost priority should be to address the liquidity scenario of the HFCs and NBFCs, particularly the smaller NBFCs and HFCs who are largely dependent on the banking system. Purely lowering interest rates might not work.Nilyanka Bhushan, Managing Partner and Co-Founder, Sigma Ventures which operates as a Sebi approved Alteative Investment Fund said, "With the residential real estate sector in doldrums and near jobless growth, govement needs to put into place measures to revive the troubled housing market.

As the revival of real-estate is a must for employment, it will be very important to look at what the govement proposes in the budget.Mumbai: "Housing for All by 2022" can not be realised unless the issues facing the housing sector — like liquidity, high GST rates on cement and other construction material, high stamp duty and other taxes levied while purchasing a house, passing on benefit of lower interest rates by banks and housing finance companies — are addressed in the upcoming Union Budget. Housing financiers like Indiabulls Housing Finance and Dewan Housing Finance are facing liquidity crunch. Banks should be advised to provide funding to all well functional HFCs and NBFCs with investment ratings, at reasonable rates, as they were doing prior to September 2018," Tripathi said.

Using ideas from the pharmaceutical Wholesale Concrete screw industry, his team carefully selected the particle sizes of the sands so that the resulting UHPC mixture has a structure that is densely packed.A key ingredient in UHPC that is not in regular concrete is steel fibres.They come from chopped-up thin wires such as those used in steel-belted tires.Reaching that extreme level of strength and durability requires modifying the traditional concrete recipe. But it represents a 70 per cent price drop from the UHPC brands currently on the market.."However, UHPC can support at least 22,000 psi or six times as much," said El-Tawil."

Our UHPC brings down the cost of long-term maintenance," El-Tawil said.As the cost of steel fibres drops with increasing demand, the cost of the concrete would also fall."Regular concrete will have a strength of about 4,000 pounds per square inch (psi) - that is maybe the weight of an SUV on every square inch," said Sherif El-Tawil, a professor at the University of Michigan.US researchers have developed an ultra high-performance concrete formula which is stronger and more durable than conventional versions, and could lead to roads and bridges that last longer and are cost effective. The dense packing is also the reason why UHPC is so strong, researchers said.To get UHPC, El-Tawil removed the gravel in favour of different types of sand.However, high prices have kept it out of widespread use, they said. There arent many other uses for them, therefore they are quite expensive.To reduce the carbon footprint of the material, he used a byproduct of the steel-making industry (ground slag) to replace a significant portion of the cement and, at the same time, help increase the packing density."

It is still more expensive than regular concrete, but if you consider the effect over the lifetime of a bridge, then the cost becomes very competitive," he said."Steel fibres add strain-hardening properties to the concrete.Because of the fibres, the UHPC created at University of Michigan is still more expensive than regular concrete.Ultra high-performance concrete, or UHPC, has been on the market for a while under a small handful of brand names, said researchers from the University of Michigan in the US.In addition to strength, El-Tawils research team is boosting concrete durability - a property measured in freeze-thaw cycles.Ordinary concrete tested in the lab showed deterioration at 28 freeze-thaw cycles.While the fibres themselves are small, roughly a half-inch in length, they have an outsize impact on the final price of UHPC.The formula for regular concrete contains some fairly simple ingredients - cement, gravel, sand and water.Higher density leads to fewer voids inside, reducing the opportunities for water to penetrate and cause problems during the freeze-thaw process. So basically, once it yields, the concrete will take a lot more load before it ultimately fails," said Isaya Miyata from the University of Michigan. The teams UHPC blend showed virtually no deterioration after 90 cycles.