IMPORTANCES OF PROJECT PRESENTATION

IN AVAILING LOAN THROUGH BANK

AMIT KUMAR THAKUR

HPGD/JL17/2878
SPECIALIZATION: MARKETING
YEAR OF SUBMISSION:-2019

WELINGKAR INSTITUTE OF MANAGEMENT DEVELOPMENT AND RESEARCH

 UNDERTAKING BY CANDIDATE

I declare that project work entitled “....... Amit Kumar Takur................................”

is my own work conducted as part of my syllabus .

I further declare that project work presented has been prepared personally by me and it is not sourced from
any outside agency. I understand that, any such malpractice will have very serious consequence and my
admission to the program will be cancelled without any refund of fees.

I am also aware that, I may face legal action, if I follow such malpractice.

__Amit Kumar Thakur_

Signature of Candidate
A presentation is the process of presenting a topic to an audience. It is typically a demonstration,
introduction, lecture, or speech meant to inform, persuade, inspire, motivate or to build good will or
to present a new idea or product.[1] The term can also be used for a formal or ritualized introduction
or offering, as with the presentation of a debutante
Presentation is the appearance of something, which someone has worked to create..
A presentation is a formal event at which someone is given a prize or award.
When someone gives a presentation, they give a formal talk, often in order to sell something or get
support for a proposal.
A presentation is something that is performed in front of an audience
The presentation is for explaining your project - both the product and the process - to the evaluators. The
presentation complements the project documentation and the product demo (if any). It gives
evaluators a chance to clear up doubts by asking questions on the spot
Project presentations are usually short. The shorter the presentation, the more the amount of practice
you need because there is less time for error. Do as many practice runs as it takes to perfect your
delivery. When you practise, practise aloud. Sometimes, things you intend to say sound clever in your
head, but come out lousy when you actually say the words aloud.
 PROJECT PRESENTATION ON TYPES OF LOAN

1.SECURED LOAN 2.UNSECURED LOAN

• HOME LOAN • COMMERCIAL LOAN

• CAR LOAN • PERSONAL LOAN

• CONSTRUCTION LOAN
• EDUCATION LOAN
• Your interest rate (APR) will • You can normally qualify for an
generally be lower and more unsecured loan without having
affordable than with an unsecured substantial assets.
loan.

• Payments are normally spread out • Since there is no collateral required,

over a longer period of time giving you do not risk losing any personal
you more flexibility with repayment property such as a home or car.
of the loan.
• Unsecured loans are a better option
for consumers who only need to
borrow a small amount.
• You can usually borrow larger
amounts of money compared to an
unsecured loan.
secured loan, is a loan in which the borrower pledges some asset (e.g. a car property)
as collateral for the loan, which then becomes a secured debt owed to the creditor who
gives the loan. The debt is thus secured against the collateral — in the event that the
borrower defaults, the creditor takes possession of the asset used as collateral and
may sell it to regain some or all of the amount originally loaned to the borrower, for
example, foreclosure of a home. From the creditor's perspective, this is a category of
debt in which a lender has been granted a portion of the bundle of rights to specified
property. If the sale of the collateral does not raise enough money to pay off the debt,
the creditor can often obtain a deficiency judgment against the borrower for the
remaining amount.

The opposite of secured debt/loan is unsecured debt, which is not connected to any
specific piece of property and instead the creditor may only satisfy the debt against the
borrower rather than the borrower's collateral and the borrower. Generally speaking,
secured debt may attract lower interest rates than unsecured debt due to the added
security for the lender; however, credit history, ability to repay, and expected returns for
the lender are also factors affecting rates The term 'secured loan' is used in the United
Kingdom, while in the United States it is more commonly known as 'secured debt'.
 STEPS IN HOME LOAN

Step 1: Fill The Loan Application Form & Attach The Documents
Step 2: Pay The Processing Fee
Step 3: Discussion With The Bank
Step 4: Valuation Of The Documents
Step 5: The Sanction/Approval Process
Step 6: Processing The Offer Letter
Step 7: Processing The Property Papers Followed By A Legal
Check
Step 8: Processing A Tec Disbursal
 OBJECTIVES
1. Studying the importance of housing, demand for housing and house
finance in India.
2. Evaluation of the role of LICHFL & HDFC in financing of houses in
Hyderabad.
3. To identify the popular schemes of LICHFL & HDFC.
4. To analyze the trends in housing finance by LICHFL & HDFC.
5. To ascertain the problems of borrowers of LICHFL & HDFC while
availing housing loans.
6. To evaluate the impact of tax considerations on housing finance with
respect to LICHFL & HDFC.
7. Measuring the service quality being provided by LICHFL & HDFC to its
customers in Hyderabad.
8. Finally to suggest certain measures to housing loan policy makers of
LICHFL & HDFC for increasing the service quality to its customers so as
to increase its base.
 LIMITATIONS OF STUDY
Following are the limitations of the study:

1. The study covered only geographical boundaries of Hyderabad City only which
come under Greater Hyderabad Municipal Corporation (GHMC).

2. Due to the problem of illiteracy some house loan applicants and loan takers
could
not respond to questionnaire properly. However care was taken to elicit their
opinion as far as possible.

3. While studying the aspects of respondents of LICHFL and HDFC about

performance appraisal, certain items of investigation had to be dropped in view
of non-response from the respondents. Therefore, the study of respondents
(borrowers) perception is limited to the items which received enough response
from them.
 CAR LOAN
A car loan is an amount of money taken from a lending provider to purchase a new
or used car he individuals agree to repay the total amount of the loan along with the
lending interest rate amount to the lender 8often banks9 as and when
re1uired.Individuals can choose a car from a list of models and manufacturers in
India according to their annual income and budget recently- a common man can
fulfil his dreams of purchasing a
car by getting an auto loan. According to your re1uirements and financial situations-
you can get auto loans from a variety of auto financing services such as Mahindra
Finance- ,ate Financebajaj Finance and State bank of India loans. For example- if
you are thinking about financing options with Bajaj Finance- you must first give your
information regarding the type of loan to the company. ,he Bajaj Finance associates
will then get in touch with you to assist with the loan eligibility amount and the
different offers and schemes available with their bank. these days- almost everyone
has the desire to buy a car which best suits them according to their re1uirements. If
you are one that has the desire to have a car- then simply fill out our form on bank
andFinance.com to get free car loan 1uotes our may also want to apply for
car insurance through our site.
 CAR FINANCING COMPANIES IN INDIA
Some of the top most PSU car financing companies in India are
1)State Bank of India
2)bank of India
3)Allahabad Bank
4)IDBI Bank
5)Punjab National Bank
6)United Bank of India(UBI)
And many more.

Some of the top most Private Sector car financing companies in India are
1)Bank Of Baroda
2)HDFC Bank
3)ICICI Bank
4)Kotak Mahindra Prime Limited
5)L&T Finance Limited
6)LIC Finance Limited
7)Mahindra Finance
8)Standard Chartered Bank
9)Tata Finance
And many more.
 OBECTIVES OF THE STUDY
Understand the customer’s preference of banks for car loans.

Identify the major government and private car financing banks.

Study the problems faced by the customers in availing car loans

NEED FOR THE STUDY

Presently all car financing companies are giving very attractive schemes to their
customers and this study is aimed at- what is in the mind of customers with
reference to the applying for car loans in Jorhat

At several Banks- they realize that owning a car has increasingly become a
necessity. But they also realize that the price tag of the dream car may be just
outside the immediate grasp. car Loans are just to give what customers need to
bridge the gap.
 CONSTRUCTION LOAN
A construction loan also called a home construction loan in the United States
and self-build mortgage in the United Kingdom is any value added loan where the
proceeds are used to finance construction of some kind. In the United
States Financial Services industry, however, a construction loan is a more specific
type of loan, designed for construction and containing features such as interest
reserves, where repayment ability may be based on something that can only occur
when the project is built. Thus, the defining features of these loans are special
monitoring and guidelines above normal loan guidelines to ensure that the project is
completed so that repayment can begin to take place.
A short-term loan used to finance the building of a home or another real estate
project. The builder or home buyer takes out a construction loan to cover the costs
of the project before obtaining long-term funding. Because they are considered fairly
risky, construction loans usually have higher interest rates than traditional mortgage
loans.
Construction loans are usually taken out by builders or home buyers who are
custom-building their own home (see Getting A Mortgage When Building Your Own
Home). Once construction on your house is completed, you can either refinance the
construction loan into a permanent mortgage or get a new loan to pay off the
construction loan
TYPES OF CONSTRUCTION LOAN

• Construction Mortgage Loans

• Construction-to-Permanent Loans
• Commercial Construction Loans
• Conventional Loan
• Stand-Alone Construction Loan
 6 THINGS TO NOTE WHILE APPLYING FOR HOUSE CONSTRUCYION LOAN

1) Loan disbursement in a construction loan

happens in instalments only.
2) Disbursement is linked to construction
progress
3) You will have to pay Pre-Emi until final
disbursal
4) Any variations from the approved plan are
excluded
5) Limited tax benefits
6) Any interior works are excluded
 UNSECURED LOAN
An unsecured loan stands in direct contrast to a secured loan, in which a borrower
pledges some type of asset as collateral for the loan, in turn increasing the lender's
"security" for providing the loan. Unsecured loans are bigger risks for lenders, and as a
result, they typically have higher interest rates and require higher credit scores than
secured loans such as mortgages or car loans. In some instances, lenders will allow
loan applicants with insufficient credit to provide a co-signer, who can take on the legal
obligation to fulfil a debt should the borrower default
Unsecured loans are loans that are approved without the need for collateral. Instead of
pledging assets, borrowers qualify based on their credit history and income. Lenders
do not have the right to take physical assets (such as a home or vehicle) if borrowers
stop making payments on unsecured loans. All claims that are not secured by collateral
fall into the unsecured debt category. These include taxes (if a lien has not been filed),
student loans, medical bills, credit cards, domestic support obligations, cash advance
loans, unsecured personal loans, etc. Any debt that is not secured by some type of
collateral will be treated as an unsecured claim in the Chapter 13 bankruptcy plan.
However, some unsecured debts are given priority so they are paid in full before most
other unsecured debts. Priority unsecured debts include most taxes, domestic support
obligations and administrative fees. General unsecured claims receive payment
 COMMERCIAL LOAN
• Commercial loans are granted to a variety of business entities, usually to assist
with short-term funding needs for operational costs or for the purchase of
equipment to facilitate the operating process. In some instances, the loan may
be extended to help the business meet more basic operational needs, such as
funding for payroll or to purchase smaller supplies that are used in the
production and manufacturing process.
While a commercial loan is most often thought of as a short-term source of
funds for a business, there are some banks or other financial institutions that
offer a renewable loan. This allows the business to get the funds it needs to
maintain operations and to repay the loan within its specified time period. After
this, the loan may then be rolled into an additional or "renewed" loan period. A
business most often seeks a renewable commercial loan when it must obtain
the resources it needs to handle large seasonal orders from certain customers
while still being able to provide goods to additional clients
• Lower interest rates • Raising a deposit
• Capital gains • Property
• Renting potential maintenance
• Financial planning • Falling property
• No 'empty money' prices
rent payments
• Your interest rate
• Capital gains
• Ending a mortgage
 PERSONAL LOAN
DEFINATION
Customer loan granted for personal (medical), family
(education, vacation), or household (extension,
repairs, purchase of air conditioner, computer,
refrigerator, etc.) use, as opposed to business or
commercial use. Such loans are either unsecured,
or secured by the asset purchased or by a co-signor
(guarantor). Unsecured loans (called signature
loans) are advanced on the basis of the borrower's
credit-history and ability to repay the loan from
personal income. Repayment is usually through
fixed amount installments over a fixed term. Also
called consumer loan.
 PERSONAL LOAN
HOW TO APPLY FOR PERSONAL LOAN:
 Decide how much you need
 Find out your credit score
 Establish a budget
 Compare different kinds of personal loans
 Pay down credit cards
 Gather the necessary information
 Fill out the application
 Choose a loan option
 Get approved
Education is central to the human resources development and empowerment in any country.
National and State level policies are framed to ensure that this basic need of the population is
met through appropriate public and private sector initiatives. While government endeavour to
provide primary education to all on a universal basis, public funding of higher education is not
considered feasible. Cost of education has been going up in recent times and since the student
has to bear most of the cost, there is a clear case for institutional funding in this area. This model
education loan scheme is an attempt to bring out a viable and sustainable bank loan scheme to
meet the aspirations of our society.
Knowledge and information would be the driving force for economic growth in the coming years.
The current rate of economic growth of the country demands technically and professionally
trained man power in large numbers. In this backdrop, loans for education is seen as
investments for economic development and prosperity. The model Education Loan Scheme was
developed by the Indian Banks’ Association to help meritorious students pursue higher
education in technical and professional courses. As the focus is on development of human
capital, repayment of the loan is expected to come from future earnings of the student after
completion of education. Hence the assessment of the loan will be based on employability and
earning potential of the student upon completion of the course and not the parental
income/family wealth.
 EDUCATION LOAN
Education loan is availed by students to fund their future education expenses. The loan
borrower is not needed to repay the loan immediately. Post the completion of the
course, the repayment cycle begins. The education loan is usually provided to the
applicant in the form of a draft payable to the chosen institution.

 Independence for the student

 Parent rescued from recurring burden
 Helps students take responsibilities early
 Easy to get education loans
 Good payment terms
 Low interest rates
 Tax exemptions
 People of different classes can get a loan
 Higher education for all
 Best way to pursue higher education:
 5 Things to Do before Taking out a Education Loan

 Research and Apply for Scholarships

 Fill out the FAFSA

 Understand your Budget Needs

 Evaluate and Compare Student Loan Terms

 Don't borrow more than you need