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 |
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| ProcessingCharges
Non-HousingLoans (Top-up, Loan against property) |
Salaried /Self Employed:
Upto 2% to 3% + applicable taxes and surcharge |
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| 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 |
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| 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