INTERNATIONAL JOURNAL OF BUSINESS AND ADMINISTRATION RESEARCH REVIEW (IJBARR) (www.ijbarr.com) Bangalore-560083, INDIA. Print ISSN: 2348-0653 Online ISSN: 2347-856X CERTIFICATE OF PUBLICATION This is to Certify that Mr./Mrs./Ms./Dr. Dr.P.Velusamy has published research paper in " International Journal of Business and Administration Research Review (IJBARR) peer reviewed and refereed journal, Volume- 2, Issue- 22, April 2018, pp. 26-30." Paper Title:- " A STUDY ON PROBLEMS FACED BY THE HOUSING FINANCE INSTITUTIONBS AND THE BORROWERS. " Chief Editor Managing Editor