LIST OF TABLES. No. 1.1 Home Mortgage as a Percentage of GDP Phases of Indian Housing Finance Housing Shortage in India ( ) 23

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1 LIST OF TABLES Table 1.1 Home Mortgage as a Percentage of GDP Phases of Indian Housing Finance Housing Shortage in India ( ) Trend of Refinance and Direct Finance by NHB Population Groupwise Credit Housing Loan Total Housing Loan Accounts and Sanctioned Limits in India Housing Loan Disbursements by Various Institutional Agencies Investment for Housing During the Various Plan Periods Total Housing Loan Accounts and Sanctioned Limits in Gujarat Types of Retail Loan Rating Parameters for Housing Loans Different Types of Loan and Their Interest Rates of SPB Population of the Year Total Housing Loan Accounts and Sanctioned Limits in Surat Total Home Loans Given by BOB Total Home Loans Given by SPB Age of the Educational Qualifications of the Occupation of the Annual Income of the From which Bank, Loan is Taken in the Past 152 iv

2 4.10 Types of Loan Taken in the Past Sources of Information Year in which the Loan was Taken Term of Loan Amount of Loan Applied For Amount of Loan Sanctioned Time Taken for Sanctioning Home Loan Documents Demanded for Home Loan Reasons for Taking Home Loan Types of Property Area (Sq.ft.) of the New Flat Area (Sq.ft.) of the New Bungalow Area (Sq.ft.) of the New Row House Number of Who Were Account Holder of the Bank Reasons for Rejection of Application Other Services of the Bank Utilized by Reasons for Selecting the Bank Mode of Repayment of Loan Fulfillment of Services Promised by the Banks Satisfaction with the Bank Switch-over of the Bank Whether Form is Read Before Signing 174 v

3 4.32 Reasons for not Reading Home Loan Application Suggestions Given by the Age of and Reason for Home Loan For Investment Age of and Reason for Home Loan Desire for Big House Age of and Reason for Home Loan To Get Relief in Income Tax 4.37 Age of and Reason for Home Loan To Receive Rent Income 4.38 Educational Qualification of and Reason for Home Loan In Place of Rented Property 4.39 Educational Qualifications of and Reason for Home Loan For Investment 4.40 Educational Qualification of and Reason for Home Loan Desire for big house 4.41 Educational Qualification of and Reason for Home Loan To Get Relief in Income Tax 4.42 Educational Qualification of and Reason for Home Loan To Receive Rent Income by Purchase of New House 4.43 Educational Qualification of and Reason for Home Loan Others 4.44 Occupation of and Reason for Home Loan In Place of Rented Property 4.45 Occupation of and Reason for Home Loan For Investment 4.46 Occupation of and Reason for Home Loan Desire for Big House 4.47 Occupation of and Reason for Home Loan To Get Relief in Income-Tax vi

4 4.48 Occupation of and Reason for Home Loan To Receive Rental Income Type of Banks and Reason for Home Loan In Place of Rented Property Type of Banks and Reason for Home Loan For Investment Type of Banks and Reason for Home Loan Desire for Big House Type of Banks and Reason for Home Loan To Receive Rent Income by Purchase of New House 4.53 Type of Banks and Reason for Home Loan To Get Relief in Income Tax Type of Banks and Sanctioned Loan Amount Yearly Income of and Reason for Home Loan- In Place of Rented Property 4.56 Yearly Income of and Reason for Home Loan- Desire for Big House 4.57 Yearly Income of and Reason for Home Loan- To Receive Rent Income by Purchase of New House 4.58 Yearly Income of and Reason for Home Loan- To Get Relief in Income Tax Type of Banks and Utilization of Saving Account Service Type of Banks and Utilization of Overdraft Service Type of Banks and Utilization of Cash Credit Service Type of Banks and Utilization of Locker Service Age of and Reason for Selecting the Bank Less Interest Rate 4.64 Age of and Reason for Selecting the Bank Speedy Process of Loan Sanction 4.65 Age of and Reason for Selecting the Bank Less Processing Fees and Other Charges vii

5 4.66 Age of and Reason for Selecting the Bank Co-operative Staff 4.67 Age of and Reason for Selecting the Bank Nearer to Residence Mode of Repayment of Loan and Type of Banks Educational Qualification of the and Mode of Repayment of Loan Occupation of and Mode of Repayment Service Lower Interest Rate and Banks Complaints Entertained and Solved and Type of Banks Whether Nationalised Bank Preferred and Type of Banks Age of and Amount of Home Loan Applied For Application of Amount of Home Loan and Yearly Income of Amount of Home Loan Applied for and Occupation of Application of Home Loan Amount and Educational Qualifications of Amount of Sanctioned Loan and Age of Amount of Sanctioned Loan and Yearly Income of Loan Amount Sanctioned and Occupation of Amount of Sanctioned Loan and Educational Qualification of Days Taken for Sanctioning of Loan and Type of Banks Results of Hypotheses Testing 217 viii