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Loan Against Property 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 PDC/ECS dishonor 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 | 1.00% onwards |
| Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges | Rs 2,500 |
| Transaction handling charges in balance transfer / resale home loans | Rs 1,500 |
| Cheque / NACH dishonour charges |
Rs. 750/- 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- 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, 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) |
| ROI switch fee LAP | 50% or onwards of the difference of the two coupon rates i.e. between the existing and revised rate |
All applicable fees & charges are subject to levy of GST, which if payable, is to be paid in addition to the fees/charges.
To apply for a loan with Indiabulls Home Loans, click below.
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