about the access permission of users home directory

UNIX for Advanced & Expert Users
1

RHEL5.0

As we know, when root create a new user, a new home directory will be created : /home/user

I want to know what determine the access permission of /home/user .

Thanks!

2

From man useradd:

CONFIGURATION
       The following configuration variables in /etc/login.defs change the
       behavior of this tool:

...

   UMASK (number)
	   The file mode creation mask is initialized to this value. If not
	   specified, the mask will be initialized to 022.

	   useradd and newusers use this mask to set the mode of the home
	   directory they create

...