Q-1 Which bank have you taken loan from ?

BANK STATE BANK OF INDIA HDFC ICICI ANY OTHER

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21

22 23 24 25 26 27 28 29 30 TOTAL

24 3 3

BANK SBI HDFC ICICI ANY OTHER

NUMBER OF PEOPLE 24 3 3

INTERPRETATION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT MORE THAN 90% PEOPLE HAVE TAKEN LOAN FROM SBI AND REMAINING HAVE TAKEN LOAN FROM HDFC AND OTHER BANKS.

Q.2.ARE YOU AWARE OF HOUSING LOAN SEGMENTS OF SBI? AWARENESS REGARDING HOUSING LOAN SEGMENTS
1 2 3 4 5 6 7 8 9 10 11 12 13

YES

NO

14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 TOTAL

26 4

AWARENESS REGARDING HOUSING LOAN SEGMENTS YES NO

NUMBER OF PEOPLE 26 4

INTERPRETAYION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT APPROXIMATELY ALL THE PEOPLE KNEW ABOUT HOUSING LOAN SEGMENTS OF SBI.

Q.3.WHAT IS THE INCOME OF PEOPLE WHO HAVE TAKEN HOUSING LOAN FROM SBI?
INCOME 1 2 3 4 5 6 7 100000200000 200000300000 300000400000 400000500000 500000600000 600000700000

8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 TOTAL

7 6 5 5 2 5

INCOME(IN LAKHS) 1-2 2-3 3-4 4-5 5-6 6-7

NUMBER OF PEOPLE 7 6 5 5 2 5

INTERPRETION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT PEOPLE WHO HAVE INCOME RANGING FROM 1-3 LAKH PER ANNUM HAVE TAKEN CONSIDERABLY MORE LOAN THAN PEOPLE INCOME RANGING FROM 37LAKHS PER ANNUM.

Q.4.WHAT IS THE OCCUPATION OF PEOPLE WHO HAVE TAKEN LOAN? OCCUPATION

1 2 3 4 5 6 7 8

SALARIED

SELF-EMPLOYED

9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 TOTAL

22 8

OCCUPATION

NUMBER OF PEOPLE

SALARIED SELF-EMPLOYED

22
8

INTERPRETION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT THE PEOPLE WHO ARE SALARIED HAVE TAKEN MORE LOAN AS COMPARED TO SELF-EMPLOYED.

Q.5.WHICH KIND OF HOUSING LOAN HAVE YOU TAKEN? TYPE FOR PURCHASE FOR CONSTRUCTI ON FOR EXTENSION FOR RENOVATION

1 2 3 4

5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 TOTAL 20

9 1

TYPE OF LOAN

NUMBER OF PEOPLE

FOR PURCHASE FOR CONSTRUCTION FOR EXTENSION FOR RENOVATION

20 9 1 -

INTERPRETION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT THE MOST OF THE PEOPLE WHO HAVE TAKEN LOAN FOR PUCHASE AND CONSTRUCTION OF NEW HOUSE RATHER THAN FOR EXTENSION AND RENOVATION OF HOUSE.

Q.6.WHICH FEATURES YOU LIKE THE MOST IN LOAN SEGMENT OF SBI? FEATURES LESS PAPER ATTRACTIVE SIMPLE&FAST LONGER

WORK 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28

INT.RATE

PROCESSING

REPAYMENT PERIOD

29 30 TOTAL 9 10 15

17

FEATURES LESS PAPER WORK ATTRACTIVE INTEREST RATE SIMPLE &FAST PROCESSING LONGER REPAYMENT PERIOD

NUMBER OF PEOPLE 9 10 15 17

INTERPRETION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT NEARLY 70% PEOPLE LIKE THE SIMPLE & FAST PROCESSSING AND LONGER REPAYMENT PERIOD FEATURE AND 30%PEOPLE LIKED THE LESS PAPER WORK AND ATTRACTIVE INTEREST RATE FEATURE OF SBI.

Q.7.IN WHAT TIME PERIOD YOU HAVE TO REPAY THE LOAN? TIME BELOW 5 5-10 10-15 15-20 20 &

PERIOD(IN YEARS) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28

ABOVE

29 30 TOTAL 2 4 9

13 2

TIME PERIOD(IN YEARS) BELOW 5 5-10 10-15 15-20 20 & ABOVE

NUMBER OF PEOPLE 2 4 9 13 2

INTERPRETION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT THE PEOPLE WHO HAVE TAKEN LOAN FOR 15-20 YEARS ARE MORE IN NUMBER FROM THOSE WHO HAVE TAKEN LOAN FOR BELOW 15YEARS AND ABOVE 20 YEARS.

Q.8.AT WHAT INTEREST RATE DID YOU TAKE THE LOAN? INTEREST RATE(IN %) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 BELOW 5 5-10 10-15

26 27 28 29 30 TOTAL 1

20 9

INTEREST RATE(IN %) BELOW 5 5-10 10-15

NUMBER OF PEOPLE 1 20 9

INTERPRETION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT NEARLY 80% OF THE PEOPLE HAVE TAKEN LOAN ON 5-10% OF INTEREST RATE AND 16% HAVE TAKEN ON 10-15% OF INTEREST RATE AND ONLY 4% HAVE TAKEN LOAN ON BELOW 5% OF INTEREST RATE.

Q.9.HOW MUCH MONTHLY INSTALLMENT YOU PAY? MONTHLY INSTALLMENT(I N THOUSANDS) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 BELOW 5 5-10 10-15 15-20 20-25

24 25 26 27 28 29 30 TOTAL 7

12 5 3 3

MONTHLY INSTALLMENT(IN THOUSANDS) BELOW 5 5-10 10-15 15-20 20-25

NUMBER OF PEOPLE 7 12 5 3 3

INTERPRETION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT APPROXIMATELY 70% PEOPLE PAY A MONTHLY INSTALLMENT BETWEEN 5-10 THOUSAND AND 15% PEOPLE PAY BELOW 5000 AND REMAINING PEOPLE PAY BETWEEN 10-25 THOUSAND.

Q.10.ARE YOUPROVIDED WITH ANY ADVISORY SERVICES FROM BANK WELL IN TIME? ANY ADVISORY SERVICES 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 YES NO

20 21 22 23 24 25 26 27 28 29 30 TOTAL ANY ADVISORY SERVICES YES NO 23

7 NUMBER OF PEOPLE 23 7

INTERPRETION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT NEARLY 9O% PEOPLE GET ADVISORY SERVICES FROM SBI AND REMAINING 10% DONT GET.

Q.11DO YOU HAVE ANY TAX BENEFIT FROM THE HOUSING LOAN SCHEME? TAX BENIFIT 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 YES NO

21 22 23 24 25 26 27 28 29 30 TOTAL 27

TAX BENIFIT Yes No

Number of people 27 3

INTERPRETION:BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT APPROXIMATELY ALL OF THEM GET THE TAX BENEFIT FROM THE HOUSING LOAN.

Q.12.DO YOU HAVE ANY PROBLEM/COMPLAIN WITH THE PROVISION OF LOAN FROM THE BANK? PROBLEM/C OMPLAIN MORE PAPER WORK INFORMATION PROVIDED NOT IN TIME MORE OPTIONS FOR REPAYMENT OF LOAN ANY OTHER NO COMPLAINS

1 2 3 4 5 6 7 8 9 10 11 12 13

14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 TOTAL 6 2 1 4

17

PROBLEM/COMPLAIN MORE PAPER WORK INFORMATION PROVIDED NOT IN TIME MORE OPTIONS FOR REPAYMENT OF LOAN ANY OTHER NO COMPLAINS

NUMBER OF PEOPLE 6 2 1 4 17

INTERPRETION:-

BY THE SURVEY FROM 50 PEOPLE,IT WAS FOUND THAT 80% PEOPLE HAVE NO COMPLAINS AND REMAINING 20% PEOPLE HAVE COMPLAINS LIKE MORE PAAER WORK