DEPARTMENT OF TECHNICAL

EDUCATION ANDHRA PRADESH

Name : Md. Qudeer Rehman
Designation : Head, CCP
Branch : DCCP
Institute : KDR, GPT Wanaparthy
Year/ semester : VI Semester
Subject : Banking-II
Subject code : CCP-604(B)
Topic : Marketing of banking Products
Duration : 50 mts
Subtopic : Differences between housing loans
personal loans
Teaching aids : Diagrams
CCP604(B).77 1
The students already know:
 The marketing of banking products
 The various products the bank
marketing
 The housing loan, farmhouse loan
products
 The personal loan products

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Objectives:
On the completion of this period you
would be able to
 Explain the products covered under
personal loan categories
 List the differences between housing
loans and personal loans

CCP604(B).77 3
House loan products
 Purchase of ready made House/Construction
of new house
 Purchase of plot, open land/house site
 Renovation of existing construction of first
floor and so on
 Loans as per income status and regular
employment
 Easy installments monthly, half yearly, annual
 Income tax exemption on interest on loan
 Owning a house, house site flat

CCP604(B).77 4
Banking products under personal loan
 Home needs: Kitchenware items
 Domestic appliances: Refrigerators, coolers,
TVs
 Soft ware: Lap top, computer peripherals
system complete and others
 Hard ware : Computer spares system spares
Cars, Jeeps, all four wheelers
 Two wheelers bikes
 Furniture and fixtures

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S Poin of difference Housing Domestic
l.N products products
o
1 Salary certificate+ Necessary Necessary
regular employment
2 Time period 20 yrs 15 and 6 yrs 5yrs
10 yrs and so on
3 Installments and Many Installment
Interest installment s may
for 20 yrs the moderately
interest is less and
more interest too
4 Guarantors Three Three
numbers numbers
5 Property nature immovable Movable
CCP604(B).77 6
Summary
We have discussed about:

 The differences between the housing

loans & personal loans.

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Assignment:

 Explain the differences between housing

products and personal loan products
 Explain liabilities when the loan becomes a
default under the loans for the housing and
personal loans products.

CCP604(B).77 8
Quiz
1. The bank loans have income tax exemptions for
the loan interest paid by loans for
a) The housing scheme only
b) The personal loans and housing loan
schemes
c) Only the loans on four wheelers and two

wheelers
d) Loans on soft and hard ware

CCP604(B).77 9
Frequently asked questions
1. Explain advantages derived under the
housing loan schemes
2. Explain disadvantages lies in the
personal loan items
3. Explain
a. loan on two wheelers
b. Loan on flat
c. When the guarantors become liable
to pay the loan installments

CCP604(B).77 10