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Synopsis presentation Ashwani Verma Samarth Sharma Ravi verma

To undertake the comparative analysis of public sector banks (SBI bank and PNB bank) in housing loan sector. To study the cost of home loans provided by banks To know that which bank provide better loan schemes. To study consumer preference for the above two mentioned housing finance players. To analyze the satisfaction level of these banks Home Loan Customers.

Target audience: The study aimed to include the customers of SBI and PNB in Agra. Sample Size: A Sample size of 100

respondents will be taken for the current


study: 50 from PNB and 50 from SBI.

Convenient

sampling

was

selected

as

sampling technique.

The methodology reveals the methods of data collection. There may be primary sources or secondary Collecting Secondary Data Collecting primary Data: Questionnaires Telephone interview Tools and Techniques Bar charts Pie charts Tables

Instrument Used Sampling Unit Sampling Extent Sampling Method Used Sampling size

Questionnaire & PI Customer Agra convinent Survey Method 100

Purchasing the home of your dreams is not an easy task. Home loans means that you buy a house on installments. There are number of companies offer cheap loans at a low interest rate Increased lending rates can only shelve their plans for some time.

Home Purchase Loans Home Improvement Loans Home Construction Loans Home Extension Loans Home Equity Loans Land Purchase Loans Bridge Loans

"THE MOST PREFERRED HOME LOAN PROVIDER" voted in AWAAZ Consumer Awards MOST PREFERRED BANK AWARD in a survey conducted by TV 18in association with AC Nielsen-ORG Marg in 21 cities across India. SBI Home Loans come to you on the solid foundation of trust and transparency built in the tradition of State Bank of India. Best Practices followed in SBI mentioned further will tell you why it makes sense to do business with State Bank of India.

Package of exclusive benefits. Low interest rates. Further, we charge interest on a daily reducing balance!! Low processing charges. No hidden costs or administrative charges. No prepayment penalties. Reduce your interest burden and optimally utilize your surplus funds by prepaying the loan. Over 13,700 branches nationwide, you can get your Home Loan account parked at a branch nearest to your present or proposed residence.

SBI YUVA HOME LOAN: Tailor made home

loan scheme for the youth

NRI HOME LOANS: Home loans to non residents of India SBI TRIBAL PLUS: Special home loan scheme for hilly/tribal areas GRAM NIWAS: Home loans in rural areas

Loan Amount Upto Rs. 25 Lacs

Processing Fee 0.25% of loan amount, minimum Rs. 1,000/ Rs. 6,500/

Above Rs. 25 Lacs and upto Rs. 75 Lacs Above Rs. 75 Lacs

Rs. 10,000/

a) Pre-sanction (i) Advocate's fee for property search and the title investigation report. (ii) Valuer's fee for valuation report. b) Post-sanction (i) Stamp duty payable for Loan agreement & mortgage. (ii) Property insurance premium. (iii) Processing fee recovered.

Repayment period:
Maximum 30 years (or) Up to the age of 70

years (the age by which the loan should be


fully repaid) of the borrower, whichever is early.

Completed loan application 3 Passport size photographs Proof of identify (photo copies of Voters ID card/ Passport/ Driving licence/ IT PAN card) Proof of residence (photo copies of recent Telephone Bills/ Electricity Bill/ Property tax receipt/ Passport/ Voters ID card) Proof of business address for non-salaried individuals Statement of Bank Account/ Pass Book for last six months Signature identification from present bankers Personal Assets and Liabilities statement

0 of our Respondents was Students. 22 of the Respondents were into government employees

15 of our Respondents were Businessman.


9 of our Respondents were Housewives.

None of our Respondent belonged to the category of others.

10 persons are associated less than 1 year 24 persons are associated from 1-5 years.

12 persons are associated from more than 5 years.


4 did not respond

Yes: 86.95% No: 13.04%

Strongly agree: 12 Agree: 30 Disagree: 4 Strongly disagree:0

Total Number of Respondents was 46. 8 persons strongly agree that bank home loan processing is fast. 26 persons agree that bank home loan processing is fast. 9 persons disagree that bank processing is fast.

3 persons strongly disagree that bank processing is fast.

Yes No

33 13