Residence Loan Rates Of Interest

Residence Loan Rates Of Interest

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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
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
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
4 Valuation cost in Construction Linked Loan instances First visit: No fees.
Subsequent visits: Rs. 500 + Applicable GST
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»