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    Home Loan Project

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    palmj
    The document discusses home loans, including key terms like mortgage, principal, interest, and amortization. It outlines the criteria for obtaining a home loan, importance of home loans for poverty reduction and economic growth. Key features of home loans are described such as eligible purposes, target customer segments, loan structure and types, product features, marketing channels, and risks. Frequently asked questions about home loans are also listed.

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    Home Loan Project

    Uploaded by

    palmj
    492 views22 pages
    The document discusses home loans, including key terms like mortgage, principal, interest, and amortization. It outlines the criteria for obtaining a home loan, importance of home loans for poverty reduction and economic growth. Key features of home loans are described such as eligible purposes, target customer segments, loan structure and types, product features, marketing channels, and risks. Frequently asked questions about home loans are also listed.

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    The document discusses home loans, including key terms like mortgage, principal, interest, and amortization. It outlines the criteria for obtaining a home loan, importance of home loans for poverty reduction and economic growth. Key features of home loans are described such as eligible purposes, target customer segments, loan structure and types, product features, marketing channels, and risks. Frequently asked questions about home loans are also listed.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    492 views22 pages

    Home Loan Project

    Uploaded by

    palmj
    The document discusses home loans, including key terms like mortgage, principal, interest, and amortization. It outlines the criteria for obtaining a home loan, importance of home loans for poverty reduction and economic growth. Key features of home loans are described such as eligible purposes, target customer segments, loan structure and types, product features, marketing channels, and risks. Frequently asked questions about home loans are also listed.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    of 22

    Home Loan

    Presented To: Presented By:


    Mr. Rohit Rai Tondon Amit Jindal
    Dhananjay Kumar
    Geetanjali Chauhan
    Date:13-September-2010
    Kanika Mehra
    Shikha Khare
    APPROACH…

    Criteria For Home Loan

    Environmental Analysis

    Competitive Analysis

    Target Segment and features

    Channels of Marketing

    Risk assessment

    FAQs
    You Must Know…

     Mortgage

     Principal

     Interest

     Term

     Amortization

     Criteria for home loan


    Reduce Poverty

    Create and meet a


    Equitable
    growing housing
    economic
    demand IMPORTANCE
    growth

    Take part in financial


    sector liberalization Prevent Slum Proliferation
    HOME LOAN Is AVAILABLE FOR

     Purchase of new or old Dwelling unit.

     Construction of a House.

     Acquisition of a plot of land for construction of a house.

     Repairs, renovations, improvements, up gradation of


    home and for Furniture, fittings and fixtures and repaying
    a loan already taken from other housing finance
    company/bank.
    TARGET SEGMENT
     People engaged in trade, commerce and business.
     Professionals.
     Self employed
     Partnership firms.
     HUFs
     Companies
     Individuals with high net worth .
     Salaried people.
     Agriculturists.
    STRUCTURE
    RBI

    NATIONAL HOUSING BANK(NHB)

    COMMERCIAL HOUSING FINANCE COOPERATIVE


    BANKS COMPANIES INSTITUTIONS

    INSURANCE PRIVATE
    BANK SECTOR
    HUDCO HDFC COMPANIES
    SPONSORED COMPANIES
    SPONSORED

    APEX STATE
    STATE URBAN
    COOPERATIVE COOPERATIVE
    COOPERATIVE COOPERATIVE
    HOUSING AGRI & RURAL
    BANKS BANKS
    FEDERATIONS BANKS
    INFLUENCING FACTOR
    PORTER’S FIVE FORCES ANALYSIS
    MARKET SHARE

    Competitor Analysis
    COMPARISON OF INTEREST RATES
    Variation of floating rates
    PRODUCT FEATURES

     Save up to 50% on interest payments.

     Loan type term loan and soft loan.

     Floating and variable interest rates.

     repayment option.

     Minimum processing fee.


    CHANNELS OF MARKETING

     Extensive use of electronic and print media and IT.

     Co-hosting or sponsoring property exhibition.

     Entering in special tie ups with developers.

     Roping in celebrities as brand ambassadors.

     Cross selling of products and services.

     Direct selling agents.


    RISK ASSESSMENT
     Weaker home prices.

     Borrowers get bankrupt.

     No margin amount.

     Natural disaster.

     Government policy change.

     Other mishappenings.
    FAQ’s

     How is my Home Loan eligibility determined?

     What are the types of home loans available?

     How long does it take to get my application processed and the


    loan sanctioned?

     What is the maximum amount I can borrow?

     How is the interest calculated in my loan?

     Can I repay my loan ahead of my schedule?

    For more FAQs - http://myiris.com/loans/housing/faqHousing.php


    Why SBI

     One of the oldest and trustworthy organization, founded


    in 1806.
     SBI having more than 16000 branches has the largest
    banking branch network in India and Abroad.
     14 Head offices and 547 Zonal offices are located at
    Important cities spread throughout country.
     Having 52 foreign offices in 34 countries across the
    globe.
     All modern facility with advanced technology are offered
    to its customer.
    ल य ोज ना
    गृह मंग
    Features of product

     Higher priority to middle and lower income group.

     Department of evaluating the property should be strong.

     Value of property should be high.

     Less paper work and processing period.

     Rate of interest should be higher for the minimum period of


    time and vice versa.
     Upto 80% lending on behalf of the market value of property.
    Types of Project

    Small project Medium project Large project


    (घरौदा) (गीत-पीत) (आिशयाना)

    Upto 12 months Upto 18 months Upto 24 months

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