Loan Application

DHFL Loan Against Property - Fees and Charges

MORTGAGE LOAN INTEREST RATES & SERVICE CHARGES

Interest Rates & Service Charges from DHFL Mortgage Loans

Most new investments often require you to take crucial decisions, in order, to acquire benefits in the long run. In cases, where you run out on funds, you could help yourself by mortgaging what’s yours. While mortgaging your assets, it is essential to select a loan which offers the best Mortgage Loan interest rate.

We, at DHFL, offer you Mortgage Loans with the best interest rates as well as offer you a Loan Against Property interest rate which can serve as a solution to almost any financial dilemma that you might be facing. Our loan schemes will also let you stay at ease during your repayment tenure.

DHFL Mortgage Loan Interest Rates (Re-substitution charges):


Loan Type

Rate of interest (Salaried /SEP/SENP)

Loan Against Plot

12.00%

Lease Rental Discount

12.00%

Loan Against Property / Top Up

12.00%

The financial worth of your home can be leveraged while enjoying continuous occupancy. A loan ranging from `15 lakh to `10 crores can be availed at a Mortgage Loan interest rate that is extremely beneficial.


Sr. No

Charges Description

Charges

 

1

Processing Fees (Non-Refundable)

Salaried/Self Employed: 0.5% to 2% + Service Tax (case to case basis)
Minimum login fee *` 15, 000 + Service Tax or 1% of loan application value + Service Tax, whichever is lower
*Remaining processing fees will be collected before loan disbursement.

 

2

CERSAI Registry / Modification Charges

` 50 + Service Tax for loans up to ` 5 lac
` 100 + Service Tax for loans above ` 5 lac

 

3

Valuation Fees (for additional property or property situated outside geographic limit or for pre technical)

a. Within 60 km radius: No charges
b. Beyond 60 km: ` 500 for first visit and
` 750 for subsequent visits + Service Tax

 

4

Valuation Fees in construction-linked loans

First visit: No charges
Subsequent visits: ` 500 + Service Tax

 

5

Part-Prepayment Charges

Rate of Interest-Type

Disbursement Stage

Charges Applicable

Fixed/Variable

Within 6 months
from 1st disbursement

No prepayment allowed

After 6 months

Borrower/ co-borrower is Individual

No Charges

Borrower/ co-borrower is other than Individual

3% + Service Tax

5 (a)

Foreclosure charges

Rate of Interest-Type

Disbursement Stage

Charges Applicable

Fixed/Variable

Within 6 months from 1st disbursement

No foreclosure allowed

After 6 months

Fixed/Variable

Own Source

No Charges

Borrower/co-borrower is individual

Variable

Balance Transfer

Fixed/Variable

Borrower/co-borrower is other than individual

3% + Service Tax

Balance Transfer

6

Cheque/ECS bounce charges

` 250 + Service Tax

7

Bank Charges on Cheque/ECS Bounce

At actual

8

Overdue charges on default instalment (EMI/Pre-EMI)

18% per annum on the outstanding dues

9

Demand Draft/Pay Order issuance Charges

` 150 + Service Tax per lac or actual bank charges, whichever is higher.

10

Cheque/ECS swapping charges (per set)

` 250 per swap + Service Tax

11

Collection pickup charges

` 250 per visit + Service Tax

12

Conversion charges**

a. 0.5% of principal outstanding for loans up `75 lac
b. 0.5% of principal outstanding for loans above `75 lac

**

  Conversion scheme can be availed only after 1 year from the date of disbursement.
  Conversion scheme is not applicable for loans sanctioned under Land Loans, Easy  Land Cum Construction Loans and/or Composite Loan (for only those cases where construction is still not done) and for Surrogate Products

13

Legal charges

Applicable on case to case basis

14

Non-encumbrance certificate

At actual

15

Recovery charges

At actual

16

Stamp duty/ Franking charges

As per applicable law/charges of the relevant property state

17

Duplicate no dues certificate

` 250 + Service Tax

18

Copy of property documents

` 500 + Service Tax

19

Statement of account/ provisional IT certificate

1st : No chargesSubsequent : ` 250 + Service Tax

20

Custodial fee for property documents in closed loans

` 500 + Service Tax per month (post 60 days from loan closure date)

21

Document retrieval charges on closure of loan

` 1,000 + Service Tax for loans up to ` 10 lac
` 2,000 + Service Tax for loans above ` 10 lac

22

Foreclosure statement

` 500 + Service Tax

23

Cheque/ECS Bounce Charges

As per the applicable Bank Rate

24

Duplicate Certificate Charges

`100 + Service Tax

25

Duplicate Accounts Statement/Receipt

`100 + Service Tax

26

Contract Amendment Charges

`100 + Service Tax

 

27

Loan Application Form

NIL

28

Duplicate Fixed Deposit Receipt

No charges for first time,
Second time onwards: `100 + Service Tax

29

Annual EHLD Payment Certificate

No charges for first time,
Second time onwards: `200 + Service Tax

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