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A STUDY ON HOME LOANS

NAME-RAJNI

ROLL NO- 032


INTRODUCTION TO HOME LOANS
 HDFC-(Housing Development And Finance Corporation)
Home Loan, India have been serving the people for around
three decades and providing various housing loan according to
their varied needs at attractive & reasonable interest rates.
Owing to their wide network of financing, HDFC Housing
Loans provides services at doorstep and helps you find a home
as per your requirements
Types of home loans: -
 Housing loans offered by banks are of different types:-
 Home Purchase Loans
 Home Construction Loans
 Home Improvement Loans
 Home Extension Loans
 Home Conversion Loans
 Land Purchase Loans
 Stamp Duty Loans
COMPANY PROFILE
OF
HDFC HOUSING DEVELOPMENT FINANCE
CORPORATION LTD
 Housing Development Finance Corporation Limited ,
founded 1977 by Ravi Maurya and Hasmukhbhai Parekh, is an
Indian NBFC, focusing on home loans.

 HDFC operates through almost 450 locations throughout the


country with its corporate head quarters in Mumbai, India.
HDFC also has an International Office in Dubai, UAE with
service associates in Kuwait. HDFC is the largest housing
company in India for the last 27 years.
Types of Products offered

HDFC provide loans to meet all your requirements for you to make
that house a home.
 Home Improvement Loan

 Home Extension Loan

 Loans to professionals for office or clinic.

 Home Equity Loans (Loan Against Property)

 Loan against Rent receivables

 Loans to professionals for non-residentials premises loan


OBJECTIVES OF STUDY

 The main objective of this study is to know the Customers


perceptions about home loans of HDFC housing development
finance corporation LTD.

 To analyze the history of hdfc ltd.

 To know the ideas of customers about home loan products and


services.

 To study the satisfaction level of customers about home loans.


RESEARCH METHODOLOGY
 Research methodology is a way to systematically show the
research problem. It may be understood as a science of
studying how research is done scientifically. It is necessary for
the researcher to know not only the research methods but also
the methodology
 RESEARCH DESIGN:- This project is based on exploratory
study .
 SOURCES OF DATA :- To fulfill the information need of
the study. The data is collected from primary as well as
secondary sources
 Sample size;- sample size for this project was 100
respondents
 SAMPLING TECHNIQUE:-
Random sampling technique was used in the survey conducted.
 TOOLS OF ANALYSIS:-

Data has been presented with the help of bar graph, pie
charts, line graphs .
SCOPE OF STUDY
ANALYSIS AND INTERPRETATIONS

 Sources of information about Home Loans Scheme


4%
20% newspaper
49% magazines
11%
16% banners

word of
mouth
any other
source

Interpretation:-
 From where you have got your home financed

60
50
40
percentage of
30
customers
20
10
0
HDFC PNB SCB ICICI any
LTD BANK other
Category No. of Respondents

Yes 164

No 16
 Do you know about HDFC
housing development finance
corporation LTD?
Awareness about HDFC LTD
9%

YES
NO

91%

Interpretation:-
From the table and graph above it can be seen that
91% respondent’s are known about HDFC LTD
9% respondent’s are not known about HDFC LTD
FINDINGS
RECOMMENDATIONS AND
SUGGESTIONS
These suggestions have been discussed as follows:-
 To satisfy their customers and for good dealings in future, the

HDFC LTD should make prompt disbursement of loan amount to


the customers so that they can buy or construct their dream home
as early as possible..

The HDFC LTD should use easy procedure or say, less lengthy
procedure for the sanctioning of loan to the customer. There should
be less number of legal formalities, in case this exists, then, these
should be completed in less time. This will be helpful in attracting
more customers.
CONCLUSION
BIBLIOGRAPHY
 NEWS PAPERS
 The Times of India
 Financial Express
 WEB PAGES:-
 http://www.hdfcindia.com/
 http://www.hdfcindia.com/others/popup/news/hdfc_fin_result_june_30_08.html
 www.hdfc.com
 http://www.iloveindia.com/real-estate/housing-finance- companies/hdfc.html
 http://www.loansnews.info/Home-loan/hdfc-home-loans/
 http://www.hdfcindia.com/loans/hm-loan-documents.asp
 http://www.thinkplaninvest.com/2009/01/hdfc-will-cut-home-loan-rates/
 http://www.suncorp.com.au/suncorp/personal/home_loans/tips/faq.aspx
 http://investing.businessweek.com/research/stocks/people/people.asp?ric=HDFC.BO
 http://www.economywatch.com/companies/forbes-list/india/housing-development-finance-
corporation.html
 http://www.hdfcindia.com/loans/home-loan.asp
 http://docs.google.com/gview?a=v&q=cache:woJTMDV1HLYJ:www.hdfc.com/pdf/32AGM
%2520speech.pdf+hdfc+housing+finance+development+product&hl=en&gl=in
 http://www.hdfc.com.mv/faq.htm