SCHEDULE OF FEES & CHARGES

Processing Charges

Housing Loans

Salaried: 1% to 2% of the loan amount sanctioned + applicable taxes and surcharge

Self-Employed :  0.5% to 2%  of loan amount + applicable taxes andsurcharge

ProcessingCharges

Non-HousingLoans

(Top-up, Loan against property)

Salaried /Self Employed:

Upto 2% to 3% + applicable taxes and surcharge

Type Sources of Funds Prepayment Penalty
Prepayment Penalty

Housing Loans with Floating ROI

Full Prepayment Any Nil
Part Prepayment Any Nil
Housing Loan with Fixed ROI Full Prepayment Owned sources Nil
Others 2% plus applicable taxes and

surcharge

Part Prepayment Nil
*The sources of funds to be collected and verified to the satisfaction of NHHFDL.
Type Period Prepayment Penalty
Prepayment Penalty

Non-Housing Loans on Floating ROI to Non Individual Borrower

Full/Part Prepayment Within 6 months of

first disbursement

5% plus applicable taxes and surcharge
Post 6 months 4% plus applicable taxes and Surcharge
Non-HousingLoansonFloatingROIto Individual Borrowers Full/ Part Prepayment Any Nil
Prepayment Penalty

Non-Housing Loans on Fixed ROI

Full/Part Prepayment Within 6 months of

first disbursement

3%plus applicable taxes and Surcharge
Post 6 months 2%plus applicable taxes and Surcharge
CERSAI Charges At the time of Disbursement creation/Modification of charge Rs. 100 plus taxes & surcharge for loan above Rs. 5 Lacs. For a loan upto Rs. 5 Lacs, the fee would be Rs. 50 plus taxes & surcharge
Legal charges Legal charges as applicable on case to case basis
Conversion fees Conversion as per applicable conversion of NHHFDL
Housing Loans/Non Housing Loans  1% plus applicable taxes and surcharge
Stamp Duty As per actuals and according to state laws
Loan Execution Charges Rs. 1000 plus applicable taxes
Cheque/ECS/ACHBouncecharges Cheque return charges of 500 plus applicable taxes and surchargeperinstrument payable in case of a dishonored cheques/ECS/ACH
Late Payment charges   2% on overdue amount
Cheque/ECS Swapping charges (per

set)

Rs. 500/- plus applicable taxes and surcharge
Duplicate No dues certificate Rs. 500/- plus applicable taxes and surcharge
Copy of Property Papers Rs. 1000/-plus applicable taxes plus surcharge
Duplicate Annual Account

Statement, Provisional Certificate

Rs. 500/-plus applicable taxes plus surcharge
Cash Collection Charges 1% of Cash collection for Rs. 50,000/- and above + GST
Charges for list of Documents Rs. 500/- plus applicable taxes and surcharge ( Once in loan tenor)
Loan prepayment/closure

statement charges

Rs. 500/-plus applicable taxes and surcharge
Custodial Fee for keeping Property Documents in closed Loans Rs.500 plus applicable taxes and surcharge per month (post 60 days from loan closure date)
DemandDraft/PayorderissuanceCharges Rs.150 per lac or actual which ever is higher plus applicable taxes and Surcharge
Reschedulement of Loan Charges for tenor /EMI on request of thecustomer Rs. 500/-plus applicable taxes and surcharge
Each Personal Visit to customer’s

place for collection of dues.

Rs. 500/- per visit plus applicable taxes and surcharge
Recovery charges (Legal/

Repossession & incidental charges

As per actual
Miscellaneous Costs As per NHHFDL policy under customer acknowledgment
Documents Retrieval and Handling charges(Chargeableatthetimeof handingoversecuritydocuments

on closure of loan)

Rs 5000 Plus Taxes
  • The rates,fee and charges as mentioned in the schedule of charges are subject to change at the sole discretion of New Habitat Housing Finance and Development ltd.(NHHFDL).
  • CERSAI charges are as per Central Registry of Securitization Asset Reconstruction and Security Interest of India.
  • Any service taxes/statutory levy will be charged extra as applicable according to the prevalent laws.

INTEREST RATES

Current Bench mark Prime Lending Rate(BPLR)of the Company is 14.50%.In case of variable rate products,applicableinterest rate for the loan will be linked to BPLR. Indicative rate of interest for Loan are as under:

Housing Loan : 12% and above or as decided by ALCO from time to time

Non Housing Loan: 14% and above as decided by ALCO from time to time

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