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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