Name :- Sonali Subhash Chaudhary

Roll no :- 17
Topic:- To Study the home loan schemes available to the customers
in the affordable segment at Cent Bank home finance ltd.

Objectives:-
1.To understand the concept of home loans schemes.

2.To understand the documents involved in the home loans and the repayment

3.To study the satisfaction level of customers regarding the home loans provided
by Housing Finance company.

4.To detail about the interest rates and tenure to be chosen for repayment.

5.To study the problems faced by the consumers in obtaining home loan.

Hypothesis :-
1) Null Hypothesis (H0) : There is no significant difference or variation among the
home loan schemes available to customers in the affordable segment in the bank.

Alternate Hypothesis (H1 ) : There is a significant difference or variation among

the home loan schemes available to customers in the affordable segment in the
bank.

2) Null Hypothesis (H0) : There is no significant relationship between time taken

to process the loan and disbursement of loan.

Alternate Hypothesis(H1) : There is a significant relationship between time taken

to process the loan and disbursement of loan.

3) Null Hypothesis (H0): The eligibility criteria, interest rates, repayment terms,
and benefits of home loan schemes are the same for customers in the affordable
segment.
Alternate Hypothesis (H1): There are differences in the eligibility criteria, interest
rates, repayment terms, and benefits among home loan schemes for customers in
the affordable segment.

Questionnaire:-
1) Name:-
2) Gender :- a) Male b) Female
3) Age
4) Contact number
5) E-mail id
6) Occupation :-
i. Government employee
ii. private employee
iii. Self employed – professional
iv. Self employed- non professional
v. Unemployed
7) Your annual income :-
i. below 2 lakhs
ii. ii. 2-6 lakhs
iii. iii. 6-12 lakhs
iv. iv. above 12 lakhs
8) which type of house you live in?
i. individual villa
ii. flats in appartment
9) do you live in own house or rental house?
i. own house
ii. rental house
10) who owns the house you presently live in?
i. parents
ii. spouse
iii. relative
iv. others
11) In which bank do you have your primary account?
 I. Icici bank
Ii. Hdfc bank
Iii. Axis bank
Iv. Government sector banks
12) have you taken any home loan previously?
I. Yes
Ii. No
13) What type of home loan you need?
I. Loan for construction of house
Ii. Loans for purchase of house/ flat
Iii. Balance transfer home loan
Iv. Nri home loan4
V. Loan for lands
Vi. Pradhan mantri awas yojna
14) What will prefered tenure for repayment of home loan?
I. 2-5 years
Ii. 5-10 years
Iii. 10-20 years
Iv. 30 years
15) What percentage of your monthly salary is used to repay loans?
I.Nil
Ii.Less than 20%
Iii.20% to 40%
Iv.40% to 50%
Above 50%
16) Which type of extended homeloan will you prefer?
I. Repursion and renovation loan
Ii. Home improvement loan
17) choose parameters based on your preferences of loan?
I. Loan amount
Ii. Interest rate
Iii. Processing charges
18) Your satisfactory level for time taken to process loan?
I. Too much Delayed
Ii. Delayed
 Iii. Normal time taken
Iv. Faster
V. Much Faster
19) Your satisfactory level on amount disbursement stage?
I. Too much Delayed
Ii. Delayed
Iii. Normal time taken
Iv. Faster
V. Much Faster

The dependent variables:

1. Loan Portfolio Size: The total value of loans outstanding or the total
amount of loans extended by the company. This is an indicator of the
company's market share and overall lending activity.
2. Loan Disbursement: The amount of funds disbursed by the company to
borrowers during a specific period. It reflects the company's ability to
provide financing to customers.
3. Loan Repayment Rate: The percentage of loans that are repaid on time by
borrowers. This metric indicates the company's loan performance and the
creditworthiness of its customers.
4. Net Interest Income: The difference between interest earned from loans and
interest paid on deposits or borrowings. It represents the core income
generated by the company's lending activities.
5. Profitability: The company's financial performance, typically measured by
metrics such as net profit, return on assets, or return on equity. Profitability
indicates the company's ability to generate earnings from its lending
operations.
6. Asset Quality: The quality of the company's loan portfolio, including
metrics such as non-performing loans (NPLs) or loan delinquency rates.
Lower NPLs and delinquency rates reflect a healthier loan portfolio.
 7. Customer Satisfaction: The level of satisfaction among the company's
borrowers, as measured through surveys or feedback. Higher customer
satisfaction indicates a positive reputation and customer loyalty.
8. Market Share: The company's share of the overall housing finance market.
A higher market share indicates a stronger position and competitiveness
within the industry.
9. Regulatory Compliance: The company's adherence to applicable
regulations and compliance requirements. Meeting regulatory standards is
essential for maintaining a license to operate and ensuring trust among
stakeholders.

The independent variables :

1. Interest Rates: Changes in interest rates set by central banks or market

forces can directly impact the borrowing costs and profitability of a housing
finance company. Higher interest rates can affect the demand for loans and
the affordability of mortgages.
2. Economic Conditions: The overall state of the economy, including factors
such as GDP growth, employment rates, inflation, and consumer confidence,
can influence the demand for housing finance products. A robust economy
with favorable conditions generally leads to increased demand for housing
loans.
3. Government Policies and Regulations: Government policies and
regulations related to housing, mortgage lending, and financial services can
significantly impact a housing finance company. Changes in regulations, tax
incentives, or government programs aimed at promoting affordable housing
can shape the company's operations and market dynamics.
4. Market Competition: The level of competition within the housing finance
industry can affect a company's market share, interest rates, product
offerings, and profitability. Competitors' actions and strategies can influence
a housing finance company's performance.
5. Credit Quality and Risk Management: The quality of the company's loan
portfolio, including factors like borrower creditworthiness, loan
underwriting standards, and risk management practices, can impact its
 financial performance. Effective risk assessment and management processes
are critical for a housing finance company's stability and profitability.
6. Technological Advancements: The adoption and integration of technology
can have a significant impact on a housing finance company. Technological
advancements can streamline processes, enhance operational efficiency,
improve customer experience, and enable digital lending platforms.
7. Funding Availability: The availability and cost of funding sources, such as
deposits, borrowings from financial institutions, securitization, or capital
market access, can influence a housing finance company's ability to provide
loans and manage its liquidity.
8. Demographic Factors: Demographic factors, such as population growth,
urbanization trends, and changes in household incomes and demographics,
can impact the demand for housing and housing finance products.
Understanding and adapting to evolving demographic patterns is crucial for
a housing finance company's success.
9. Real Estate Market Conditions: The state of the real estate market,
including property prices, housing supply and demand dynamics, and trends
in property values, can directly affect a housing finance company.
Fluctuations in real estate prices can impact loan underwriting, collateral
values, and foreclosure risks.