EFFECT OF INFLATION ON HOME LOANS

QUESTIONNAIERS

Name:

Age:

Company:

Designation:

1. In present scenario are the customers interested to take home loans?

2. what was the past interest rate of your bank?

3. What is the present interest rate of your bank for home loans and
what is the repayment term?

4. Due to inflation are you going to increase interest rate on home

loans?

5. Upto what extent are you providing home loans?

6. Is inflation effecting on liquidity?

7. If you are facing the problem then how will you manage ?

8. SEBI decreased the interest rates first and it increased again so is it

effecting now on home loans?

9. Is there any difference between the past scenario and present

scenario?

10. How will you recover the loans from customers?

11.What security you are undertaking for home loans?

12.Compare to past 2 years the rate of issuing home loans increased or

decreased?
 EFFECT OF INFLATION ON HOME LOANS

13.The situation in America effecting on your bank?

14. Is the inflation effecting on your economics?

15. upto what extent you are giving home loans?

16.due to this inflation how will be your CRR and SLR is there any
effect compared to past?

17. are you giving loans for all types of house constructions,
repairings,and etc?

18.if some body took any loan and they applied for home loan then will
you issue the loan with out repaying the old loans?

19.what is step-up repayment facility?

20.will you provide this facility?

21.how much rate are the long term and short term capital gain taxes?

22.what is the benchmark prime lending rate and what is the rate of your
bank?

23.will it effect on home loans?

24. will it applicable and benefited to old loans taken by customers?

25.are you willing to take the loans from banks or from other investors?

26.the inflation rates effect you to invest in the market?(investrors)

27.if a customer bought a house from taking loan from the bank. and the
loan is not yet cleared. in that situation can the customer sell the house
to some body?

28. Is the EMI should pay by the borrower or any one of his relatives
can pay?
 EFFECT OF INFLATION ON HOME LOANS

29. From what time starting from the loan issued date borrower has to
pay the EMI ?

30.if customer decided to to transfer his balance loan to another lender

offering attractive rates is it possible? If yes will the current
lender(you) impose any extra charge?

31. How can we measure the inflation?

32.Does the strength of the dollar in foreign money markets affect the
inflation rate?

33.As the inflation rate is becoming higher at nation and foreign affairs
ministry is unable to find the solution on nuclear deal,how do you
look the future of this govt.?

Because of high inflation, RBI has increased the CRR rates, which means withdrawal of
more free flow of funds from the banking sector and their lending source of funds come
down, there by price rice can be controlled. Naturally the banks liquidity will be affected
and they have to make money only with the limited source available with them. Now
after this Financial Tsunami RBI has reduced the CRR hike and there by more funds into
the market and asked the bankers to lend more money to mutual funds and there by save
the falling share prices because of heavy selling from FIIs

INFALTION MAKES POSSIBLE FOR YOU TO CONTROL YOUR BUYING

NATURE OF EVERYKIND OF GOODS,So how banks will make their profits from
GIVING LOAN AMOUNTS.

Crr-5.50
Slr-24

Step up repayment facility is the facility that enhances the

eligibility of a borrower with out increasing the EMI?
 EFFECT OF INFLATION ON HOME LOANS

Capital gain is the profit earned when the sale value of a

property exceeds the cost of purchase.

Ans :-10.25 to 11 upto rs 30 lakhs

11-12 above 30 lakhs