SCHEDULE OF FEES & CHARGES

Processing Charges
Housing Loans
Salaried:1% of the loan amount sanctioned + applicable taxes and surcharge
Self-Employed:1.5% of loan amount + applicable taxes and surcharge
Processing Charges
Non-Housing Loans
(Top-up, Loan against property)
Salaried /Self Employed:

Upto 2%+ 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 with Non Individual Borrower/ Co borrower
Full Prepayment
Within 6 months of first disbursement 3% plus applicable taxes and surcharge
Post 6 months 2% plus applicable taxes and surcharge
Part Prepayment
Within 6 months of first disbursement 3% plus applicable taxes and surcharge
Post 6 months 2% plus applicable taxes and surcharge
Non-Housing Loans on Floating ROI to Individual Borrowers
Full Prepayment Any Nil
Part Prepayment Any Nil
Prepayment Penalty
Non-Housing Loans on Fixed ROI
Full Prepayment Within 6 months of first disbursement 3% plus applicable taxes and surcharge
Post 6 months 2% plus applicable taxes and surcharge
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 of charge
Rs. 250 (for Loans <5 Lacs and Rs. 500 (for Loans> 5 Lacs)
Plus applicable taxes and surcharge
At the time of Modification of charge (in case of Top Up) Rs. 250/-
Plus applicable taxes and surcharge
At the time of Loan Closure:- Satisfaction of charge Rs. 250/-
Plus applicable taxes and surcharge
Legal charges Legal charges as applicable on case to case basis
Conversion fees Conversion as per applicable conversion of NHHFDL
Housing Loans 0.5% plus applicable taxes and surcharge
Non – Housing Loans 1% plus applicable taxes and surcharge
Stamping Charges As per actuals and according to state laws
Non- encumbrance certificate charges/TSR As applicable on case to case basis
Technical Fee collected As applicable on case to case basis
Cheque/ ECS /ACH Bounce charges Cheque return charges of 500 plus applicable taxes and surchargeper instrument payable in case of a dishonored cheques/ECS/ACH
Late Payment charges 3% per month
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. 500/-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 + ST
Charges for list of Documents Rs. 500/- plus applicable taxes and surcharge
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)
Demand Draft/Pay order issuance charges Rs. 150 per lac or actuals whichever is higher plus applicable taxes and surcharge
Reschedulement of Loan Charges for tenor /EMI on request of the customer 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
Non Postal Stamp As applicable law of the state and as per actual
Miscellaneous Costs As per NHHFDL policy with communication to the customer
Documents Retrieval and Handling charges (Chargeable at the time of handing over security documents on closure of loan) Rs. 1000/- for loan upto Rs. 10 Lacs and Rs. 2000/- for loan above Rs. 10 Lacs.

*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 & 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.

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