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 |
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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 | ||
| 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 |
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| 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.