Housing Loan in SBI, Bellary.

HOME
LOAN IN SBI
Introduction
Owing a pieceof land or property is a
lifetime dream for every individual. There
are many Home Loans provider in the
market to make your dream come true.
But before opt for any home loan provider,
need to consider
certain
factors related
to property that interested in buying and
also about the salient and also study
some home loans in applying a home loan
in India.
Purchasi
ng and moving into a
dream home
would generally rank among the top three
things on the wish list of
m
ost people.
A few decades ag
o find
ing a bank for financing Home
L
oan was not so
easy
. But
now taking
Home
L
oan has
become
very simpler. The RBI has been
regularly
stashing intere
st rates, with the result that H
ome
finance loans that came at an
interest
rate of 16.5% to 18% four years ago are
now available at 11.5% to 13%
or lower. Each
year the finance minister’s generosity
during the
budget
seems to
be
slowly
concentrated for the H
ome
sector and construction sector.
In their quest for attract
ing mo
re
and more customer for Home
L
oans most of the
banks have
sanctioned
loans without taking applicant’s capacity to
repay loan into
consideration. The result: banks have to
initiate legal process under securitization
act. To avoiding legal complication a
few
private banks have embarked on to
create awareness among t
he prospective application for Housing L
oans.

Table of contents:

Page no.
CHAPTER-1:
INTRODUCTION..........................................
............................... 1
TITLE OF THE
STUDY................................................ 2
OBJECTIVES OF THE
STUDY....................................... 2
METHODOLOGY.........................................
.............. 3
LIMITATIONS...............................................
............ 3
CHAPTER-2:
PROFILE OF REGION UNDER
STUDY........................... 4-8
INDUSTRY
PROFILE..................................................
9-12
COMPANY
PROFILE..................................................
13-21

CHAPTER-3:
CONCEPTUAL FRAMEWORK OF
HOUSING LOA........... 22-35
RBI NORMS TOWARDS HOUSING LOAN
.................... 36-43
CHAPTER-4:
CREDIT
APPRAISAL................................................
44-45
HOUSING LOAN PRACTCIES IN
SBI........................... 46-73
CHAPTER-5:
DATA ANALYSIS AND
INTERPRATION....................... 74-79
CHATER-6:
FINDINGS....................................................
........... 80-81
SUGGESIONS.............................................
............. 82
CONCLUSION..............................................
........... 83

BIBLIOGRAPHY
CHAPTER-1
INTRODUCTION
TITLE OF THE STUDY
OBJECTIVES OF THE STUDY
METHODOLOGY
LIMITATIONS

CHAPTER – 2
PROFILE OF REGION UNDER STUDY
INDUSTRY PROFILE
CHAPTER-3
CONCEPTUAL FRAMEWORK OF
HOME LOANS
RBI NORMS TOWARDS HOUSING
LOANS
CHAPTER-4
CREDIT APPRAISAL OF HOME LOAN
HOME LOAN PRACTICES IN SBI
CHAPTER-5
DATA ANALYSIS AND INTERPRETATION

CHAPTER-6:
FINDINGS
SUGGESIONS
CANCLUSION