QUESTIONNAIRE I

FOR THE SURVEY OF HOUSING FINANCE

CUSTOMERS
(The names and other personal information regarding the interview will be kept
strictly secret)

(I)

GENERAL INFORMATION
(a) Name..
(b) AgeYrs.
(c) Sex-

M/F

(d) OccupationService

Business

Farming

Other

(e) Name of Housing finance Bank

PNB

Allahabad Bank

ICICI BANK

HDFC BANK

(f) Amount of Housing Loan

Rs. ----------------------------------------

(g) Types of Housing LoanPurchase

Construction

Renovation

Conversion Loan
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(II) QUERIES REGARDING THE COMPLEXITY FACED BY HOUSING

FINANCE CUSTOMER IN GETTING A HOME LOAN
(a) Duration taken by your bank to sanction a home loan0- 1 month

0- 2 months

0- 3 months

more than 3 months

(b) Do you think, duration taken by the bank in sanctioning loan isVery little

Justified

Long enough

very long

(c) Do you think, that the processing charges of the bank were highYes

No

(c) What do you think about the paper formalities of the Housing Loan
Justified

Too much

(III) QUERIES REGARDING THE INTERNAL ENVIRONMENT AND

ATTITUDE OF THE OPERATIONAL STAFF
1. How do you find the internal environment of your bank(a) Was the concerned official available on his seat

Yes / No

(b) Was he/she helpful and attentive to you

Yes / No

(c) Was there adequate sitting arrangement for the customer Yes / No
(d) Was the concerned official gave you the satisfactory answer to your
queries?

Yes / No

(e) Are you satisfied with the overall behavior of the concerned official?
Yes / No

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(f) Did you observe any behavior of favoritism on part of employees?

Yes / No
(g) Whether adequate drinking water facilities were available in the bank?
Yes / No
(h) Was complaints/ suggestion box was kept by the branch? Yes /No
(VI) QUERIES RELATED TO THE PREFERENCES MADE BY
CUSTOMERS IN CHOOSING THE SPECIFIC BANK
(a) Why did you choose a nationalized/ private bank to get a home loan
(you can choose more than one option)
More branches

Low interest rate

Easy and low cost processing

Fast sanctioning of loan

Advertising
Good services provided by
the bank
If any other please specify

....

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QUESTIONNAIRE - II
FOR THE SURVEY OF SELECTED HFBs OF DISTRICT MEERUT
(The name and other personal information of officials and employees of the
institution will be kept strictly secret)

(I)

GENERAL INFORMATIONS
(a)

Name of HFB: ..................................................................

(b)

Address:

..................................................................
..................................................................

(c)

Phone No.:

..................................................................

(d)

No. of Branch Offices in Distt. Meerut: ...........................

(e)

Category : (Please Mark )

Government Sector Bank
Private Sector Bank
Corporate Sector
Co-operative Sector
Government Authorities

(II)

GENERAL QUERIES RELATED TO HOUSING FINANCE

(a)

Types of Housing Loans Covered by the HFC

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(Please Mark )
Purchase of House
Construction of House
Renovation or Upgradation of House
Land Purchase of Loan
Home Conversion Loan
Any other category : (Please give details)
.......................................................................................................
.......................................................................................................

(b)

Interest Rates of HFC

Fixed

Floating

Up to Rs. 5.00 lac

................

................

Rs. 5.00 lac to Rs. 10.00 lac

................

................

Rs. 10.00 lac to Rs. 25.00 lac

................

................

More than Rs. 25.00 lac

................

................

(c)

Penalties and Charges

Processing Charges

..................................

Legal Charges

..................................

Delay in Payment Penalty

..................................

Pre-payment Penalty

..................................

Any other Penalty or Charge

..................................

(d)

Amount of Housing Loan

Minimum

Rs. ...................................

Maximum Rs. ...................................

(e)

Period of Re-payment
Minimum

................................... years

Maximum ................................... years

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(f)

Average Loan Approval Period

................................... Days

(g)

Securities Required

.............................................

.............................................

.............................................

.............................................

(h)

General Requirements of Housing Loan

................................................................

................................................................

................................................................

................................................................

................................................................

................................................................

................................................................

(i)

General Procedure of Approval of Housing Loan (In Brief)

................................................................................................

................................................................................................

................................................................................................

................................................................................................

................................................................................................

................................................................................................

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(II)

BUSINESS PERFORMANCE OF HFC DURING THE PERIOD OF

STUDY

Year

Loan

Loan

Application

Amount

Approved

Disbursed

Nature of Housing Loan

Purchase Contribution Renovation

Misc.

1995-96
1996-97
1997-98
1998-99
1999-00
2000-01
2001-02
2002-03
2003-04
2004-05
2005-06
2006-07
2007-08
2008-09
2009-10
2010-11

(IV) ANY OTHER INFORMATION

.......................................................................................................
.......................................................................................................
.......................................................................................................
.......................................................................................................

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