CONSUMER

PERCEPTION
TOWARDS HOME
LOANS
Submitted by
Bhavini Bhanawala(3107)
Krishna Singapuri(3148)
RESEARCH METHODOLOGY
INTRODUCTION
A home loan is a long term commitment of
15-20 years, several factors like expertise,
quality of service, in-depth domain
knowledge and the company’s level of
commitment and transparency right through,
the loan procedures, the fine print, quality
of services offered and safe retrieval of the
title deed are critical. There are lot many
banks and financial institutions through
which one can easily avail of a home loan at
reasonable rate of interest.
OBJECTIVES
 Secondary
 Primary 1. To study the socio-economic profile of
the respondents.
Analyzing the 2. To study the housing loan borrowers
for availing of such loan from public
customer’s and private sector banks.
3. To study the corporate culture about
PERCEPTION on the home loan.
4. To analyze public & private home loan
home loans market and its growing trends.
5. To analyze various methods of
offered by banks.  operating a home loan.
6. To gain knowledge about various home
loan products.
7. To know various rates available while
providing home loan.
8. To offer suggestions for the
improvement of housing loan schemes
in public and private sector banks.
SCOPE OF THE RESEARCH
 The scope of the study is to analyze the
satisfaction level of home loan customers in
and around India.
 The study gathers information about rating
the effectiveness of bank services, rating and
ranking the different features and services
offered by the bank.
DATA COLLECTION
 PRIMARY DATA  SECONDARY DATA
 Primary data are collected
 There was extensive use
through the responses of the
students through questionnaires of secondary information
which were specially prepared in the form of books,
for this study. articles published in
 The questionnaire contained
magazines, journals,
questions regarding the general
and socio-economic
newspaper, reports of
characteristics of the Bank of Baroda and The
respondents such as age, Surat peoples co-op Bank
religion, educational Ltd., websites, circulars,
qualification, etc. and also
about their reason for taking
pamphlets of the banks,
home loan, term, rate of clippings etc.
interest, procedure etc.
SAMPLING DESIGN

SAMPLE SIZE -
 The sample size of our survey is 80.

 SAMPLING FRAME -
  

Our sampling frame for the survey are from surat city.
 ELEMENT-

Our sampling element for the survey is from NIM students.

  
 SAMPLING METHOD-
  
Our research survey was on judgmental base we randomly selected people around us and has collected the data.
  
 SURVEY TOOL –
  

 Our survey tool was questionnaire.

  
 SURVEY METHOD-
 Our survey method was personal interview.
  
  
  
 4.7 RESPONSE RATE
 Our response rate was 80 out of 80.
  
 
LIMITATION OF STUDY

 This research study was time bound and due to this only
a few aspects of the Problem were taken up for study. 80
This research study was taken in a limited area only (i.e.
Surat city)
 Findings may vary if the area of study is changed. Some
of the respondents might have been biased in their
responses and as
 Such the analysis and conclusion based on it could vary
to some extent. Some of the conclusions also depend
upon secondary data. To the extent these
 Data are reliable, the conclusion derived from them are
valid. This research study was limited only to
nationalized and co-operative banks
 Due to non-availability of data on private banks.