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...There has come a realisation that the processes that have remained long and tedious over the years, have to change, become more flexible and convenient. Imagine returning home after a long day at work, not having got the time to drop by to the mortgage branch and excruciatingly delaying the process to get your home loan by another day. Today, one can from the comfort of their home, sit back, conveniently avail and get a home loan approved, all within a morning and afternoon. Lenders, be it banks or non-bank finance companies (NBFCs), understand the market dynamics—that while data indicates the rising demand for housing, there is also an increase in demand for convenience, and speed. There is also a visible shift in demand from the more affluent, younger, convenience-seeking consumer. The expectation is that in nearly 24 months, the bulk of home loan applications would be online. ...Live Mint on Nov. 15, 2016, 5:02 p.m.