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Finance services & charges
on Home loan

Home loan fees and charges Home loan fees and charges

Home Loan Fees and Charges

Indiabulls Home Loans (IBHL) offers competitive processing fees that is a one-time payment to avail your home loan. Only after the processing fees are paid you will be able to officially avail the home loan. In addition to this, IBHL also charges for transactional handling charges in balance transfer and/or resale home loans. Other fees and charges include Cheque / NACH dishonour charges, late payment charges, retrieval charges for copies of loan or property in IBHL custody, as well as charges for amortization schedule or statement of account. You are also charged for retrieving original property documents for a specific activity.

Description

Charges

Processing fees Up to Rs 10,000 for loan Amount of Up to Rs 30 lacs
Up to 0.50% for loan Amount of Rs 30.01 lacs to Rs 300 lacs 
0.50% to 1.00% for loan Amount of Over Rs 300 lacs
Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges NIL, included in the processing fee
Transaction handling charges in balance transfer / resale home loans Rs 2,500
Technical valuation charges NIL, included in the processing fee
Cheque / NACH dishonour charges Rs 500 (home loans)
Nil on representation of ECS / PDC
Late payment charges 24% per annum of outstanding EMI
PDC/ECS swapping charges NIL
Retrieval charges for copies of loan /property document in IB custody Emailing of scanned copies: NIL
Physical copies with IB attestation: Rs 500
Charges for statement of account / amortization schedule Rs 200
Registration charges for borrowers’ ECS mandate (loan repayment) NIL
Income tax certificate in home loans NIL
Compliant handling charges NIL
Charges for certified true copies of title deeds from SRO, if applicable. As per actual
Stamping charges of loan agreement As per actual, subject to state laws-
Where fixed charges irrespective of loan amount: provided by IB
Where ad-valorem charges as a function of loan amount: to be procured by borrower directly
Stamping charges of other legal documents like indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans etc. As per actual, subject to state laws - to be procured by borrower directly
Original property documents retrieval for specific activity like production at SRO or development authority (on borrower request) Rs 5,000
Database admin fee Rs 650 (inclusive of service tax)

All applicable fees & charges are subject to levy of GST, which if payable, is to be paid in addition to the fees/charges.

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