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Finance services & charges
on Home loan
Loan Against Property Fees and Charges
Description |
Charges |
| Processing fees | 1.25% Onwards ( plus applicable taxes and other bona fide levies, if any) |
| Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges | Rs 2,500/- ( plus applicable taxes and other bona fide levies, if any) |
| Transaction handling charges in balance transfer / resale home loans | Rs 1,500 /- ( plus applicable taxes and other bona fide levies, if any) |
| Cheque / NACH dishonour charges | Rs 750/- |
| Late payment charges | 24% per annum of the outstanding EMI. |
| Repayment Mode/ Account Swap charges | Rs.500 |
| Property Swap Charges (Swapping is at discretion of lender) | Rs.10000 |
| Charges for Reissuance of pay order/disbursement cheque revalidation | Rs.500 |
| Foreclosure statement Charges | Rs.500 (Nil if requested once in quarter) |
| List of Documents | Rs.1000 (Nil if requested within initial 6 months of 1st disbursement) |
| Charges for holding property documents post 60 days from the loan closure | Rs.500 (Charges will be levied every month till the collection of documents by the customer) |
| Retrieval charges for copies of loan /property document in IB custody | Rs.750 |
| Charges for statement of account / amortization schedule | Rs 200/- ( plus applicable taxes and other bona fide levies, if any) for Hard copies /Emailing of Soft Copy by Customer Service Teams : NIL |
| 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, subjected to state laws - to be borne by borrower |
| 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, subjected 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/- ( plus applicable taxes and other bona fide levies, if any) |
| Database admin fee | Rs 650/- ( plus applicable taxes and other bona fide levies, if any) ) |
| ROI switch fee LAP | As per Standard Switch Grid as available on request (plus applicable taxes and other bona fide levies, if any) |
All applicable fees & charges along with the associated taxes shall levy and other bona fide levies (if any), which in case payable, are to be paid in addition to the applicable fees/charges.
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