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Sr No. | Charge definition | Charge Amount | ||
---|---|---|---|---|
Processing charges (Non-Refundable) | Loan Amount | Minimum Login charges | ||
1 | Salaried/Self Employed Professional (SEP) | as much as Rs. 30 Lakh: Rs. 5,000 document that is + Applicable GST | Rs. 2,500 or processing charge relevant whichever is leaner + Applicable GST | |
Above Rs. 30 Lakh as much as Rs. 75 Lakh: Rs. 10,000 + document charges + Applicable GST | ||||
Above Rs. 75 Lakh: Rs. 20,000 +document fees + Applicable GST | ||||
one-man shop Non Professional (SENP) | web PAT: 0.5% + Applicable GST other people: 1.5 % + Applicable GST |
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2 | CERSAI Registry / Modification Charges | Rs. 50 + Applicable GST for loans upto Rs. 5 Lakh Rs. 100 + Applicable GST for loans above Rs. 5 Lakh |
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3 | Technical Fees (for extra home or home situated outside geographical limitation or even for pre technical) | a. Within 60 kilometer radius: No fees b. Beyond 60 kilometer: Rs. 500 + Applicable GST for very very very first check out and Rs. 750 + Applicable GST for subsequent visits |
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4 | Valuation cost in Construction Linked Loan instances | First visit: No fees. Subsequent visits: Rs. 500 + Applicable GST |
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5 | Part-Prepayment Charges | Rate of Interest -Type | Disbursement Stage | Charges Applicable |
Fixed / Variable | Within 6 months from first disbursement | No prepayment permitted | ||
After six months | ||||
Borrower/ co-borrower is Individual | No Charges | |||
Borrower/ co-borrower is other than Individual | 2% + Applicable GST | |||
5 (a) | Foreclosure costs | Rate of Interest -Type | Disbursement Stage | Charges Applicable |
Fixed/Variable | Within 6 months from 1st Disbursement | No foreclosure allowed | ||
After 6 months | ||||
Fixed / Variable | Own Source | No Charges | ||
Borrower/co-borrower is individual | ||||
adjustable | stability Transfer | |||
Fixed/ Variable | Borrower/co-borrower is apart from individual | 2% + Applicable GST | ||
Balance Transfer | ||||
5 (b) | Prepayment costs (Plot Loans/Easy Land Cum Construction Loans) | 3% + Applicable GST just in case the dwelling device just isn’t built regarding the plot within 36 months through the date of very very first disbursement associated with the loan. (Borrower/co-borrower is other than specific) | ||
6 | Cheque/ECS bounce fees | Rs. 500 + Applicable GST | ||
7 | Bank Charges on Cheque/ECS Bounce | At real | ||
8 | Overdue costs on standard installment (EMI/Pre-EMI) | 18% per year on the dues that are outstanding. Continue reading «Residence Loan Rates Of Interest» |