DEPARTMENT OF TECHNICAL

EDUCTION ANDHRA PRADESH

Name : MD. Quadeer Rehman

Designation : Head of Section
Branch : DCCP
Institution : KDR GPT Wanaparthy
Year/semester : VI Semester
Subject : Banking - II
Subject of code : 604(B)
Topic : Marketing of Banking Products
Duration : 50 mts
Sub topic : Housing Loans
Teaching : Diagrams
CCP604(B).74 1
Recap
We have discussed in the previous
class:

 The modern banking services

 The various marketing products
offered by banks to its customers
 The housing loans of banks
 The terms and conditions to be
fulfilled by to customers before
getting a housing loans

CCP604(B).74 2
Objectives
On completion of this period you would
be able to
 Explain the products which are offered by
the banks to it customers
 Explain the housing loan schemes
 Explain the procedure for the purchase of
house site, open land, flat or plot.
 Explain the procedure to be followed for
extension of present house
 Thee terms and conditions

CCP604(B).74 3
 Housing
loans

Construction Extension or
or purchase Purchase of Purchase of Renovation of
of House plot flat house

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 Housing loans

as per salary earning purchase of house site plot or flat

in a complex

economy house loans as per salary earning

luxury house medium category Public sector/private

house Sector employees
Public sector
Maximum re
Private sector
Payment in Interest on loan is
employees
15 yrs/10 yrs Exempted from
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Category of houses
1) Housing colony
2) Medium category house
 Luxury apartment
 Low income group/economy class
category house
 Loan advance under this scheme is Rs,
15.00 Lahks
 Rs. 10.00 lakhs or Rs. 25 lakhs
depending upon salary group:

CCP604(B).74 6
Category of houses…
 Loan repayment
 To be guaranteed from a high salary
and regular
employees, at least three in numbers
 The maximum payment period is 20
years, 15 years and 10 years
 The interest paid amount in tax
exempted
 Easy installments months, half yearly
or annual

CCP604(B).74 7
Sources of housing construction
organizations:

 AP housing corporation
 Private house builders syndicate
 Consulting Civil Engineers
 Specialized Civil Engineering
 With self-interest and experience

CCP604(B).74 8
Summary:
We have discussed about:
 The modern banking services
 The marketing products by banks to its
customers
 The housing schemes to suit various income
group of employees
 The terms and conditions for payment of
installment any others

CCP604(B).74 9
Assignment:

1. Explain about the various schemes

2. Explain the various housing products
3. Explain the maximum loan amount

and payment of loan under housing

products

CCP604(B).74 10
Quiz
The banker offer the housing loan for the
followings:
a) purchase of house or construction of house
or first floor
b) Purchase of house site, plot or open land
c) Purchase of flat in a housing apartments/
housing colony
d) All the above

CCP604(B).74 11
Quiz
2. Income tax exemption is given to the
following category houses
a) Luxurious apartment
b) Medium category house
c) Low income group category of house
d) All the above

CCP604(B).74 12
Quiz
3. Housing loan provide the following
advantages:
a) Income tax exemption on interest paid on
loan
b) In a fifteen years of time span a house will
be owned by the loans
c) Rent and shifting of houses problems will
be overcome
d) All the above

CCP604(B).74 13
Frequently asked questions

1. Explain the various housing products

offered by banks
2. Explain any six organization which arrange
the construction of house on loan amount
3. Explain any four advantages of housing
loans.

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