Loan Application

Reliance Capital Loan Against Property - Fees and Charges


Cheque Bounce Charges

Rs.450

Cheque Swapping Charges

Rs 500

Overdue Interest

3% p.m.

EMI Cycle Date Change

Rs 500

Reschedulement Charges

2% of Principal Outstanding

Duplicate NOC

Rs.500

LPG Kit NOC charges

NA

Cash Handling Charges

1% + app.S.T for cash receipts for Rs.3 lacs and above.

Outstation Cheque Charges

NA

Cheque revalidation charges

NA

Prepayment Charges

"Prepayment charges won't be applicable to the below:
1. Indvl App with Indvl Co-App
2. Proprietorship App with Indvl Co-App
Only Indvl App
Prepayment charges will be applicable other than above."

Loan cancellation charges

i) Loan Cancellation with Own Instrument within 7 days from date of disbursement
a) Charges - 1% + Service Tax of Loan amount
b) Interest from the date of disbursement till the date of cancellation.
ii) Loan Cancellation post 7 days from the date of disbursement
a) Prepayment charges will not be applicable on loan amount.
b) Interest from the date of disbursement till the date of cancellation.

Loan reschedulement charges EMI Cycle Date Change

Rs.500

SPDC retrieval Charges for swap, matured, preclosure and customer induced cancellations

i) Rs.300/- at the time of Preclosure/Swap/Matured/Customer Induced cancellations.
ii) Rs.450/- upto sixty days from the day of Preclosure/Swap/Matured/Customer Induced cancellations.

Changing Fixed Rate to Floating & Vice versa

0.5% of Outstanding Principal

Non Refundable Fee

Loan up to Rs 25 lacs - Rs. 3,000 + S.T
Loan >Rs 25 lacs - Rs. 6500/- + S.T

Conversion charges

0.5% of the POS for normal HL/LAP/LRD/CP.For 9.95% scheme it is 5% of POS within 3 years and no charges for the compulsory conversion after three years and normal conversion charges thereafter till the maturity of the loan

Copies of Loan Documents/ Agreement/Retrieval of Share Certificate

Rs.500/- per LAN

Charges on Part Disbursement

Rs.750/-

Prepayment statement charges

Rs.200/-

Home Loan with Fixed Rate and Semi-Fixed loans


Cheque Bounce Charges

Rs.450

Cheque Swapping Charges

Rs 500

Overdue Interest

3% p.m.

EMI Cycle Date Change

Rs 500

Reschedulement Charges

2% of Principal Outstanding

Duplicate NOC

Rs.500

LPG Kit NOC charges

NA

Cash Handling Charges

1% + app.S.T for cash receipts for Rs.3 lacs and above.

Outstation Cheque Charges

NA

Cheque revalidation charges

NA

Prepayment Charges

a) Cases Disb. Prior to 1st Oct.08 :
i) 5% on POS within 12 months of disbursement
ii) 2% thereafter
b) Cases Disb. On and After 1st Oct.08 ::
i) Between 6-12 Months from Disb.- 5% on POS+S.
ii) Between 12-24 Months from Disb.- 3% on POS+S.T
iii)After 24 Months from Disb.- 2% on POS + S.T
c) Cases Disb. On and After 1st Sep'11 (Applicable for Home Loan - Fixed Rate) ::
i) Between 6-24 Months from Disb.- 3%+S.T
ii) After 24 Months from Disb.- 2%+S.T
d) 9.95% scheme
Cases Disb. Prior to 1st Oct.08 ::
5% on POS in the 1st 3 years & 2% after 3 years
Cases Disb. After 1st Oct.08 ::
5% on POS + S.T in the 1st 3 years & 2%+S.T after 3 years
**Part payments made within one year of the date of full Prepayment, shall be added to the principal outstanding for calculation of foreclosure charges"
In the case of expiry of semi fixed interest rate or converted to floating interest rate, the prepayment / foreclosure charges will not be applicable.

In Semi -fixed interest rate cases, prepayment /foreclosure charges are applicable in lock in period or in continution of fixed interest rate, if the prepayment made other than own source of funds.

Loan cancellation charges

i) Loan Cancellation with Own Instrument within 7 days from date of disbursement
a) Charges - 1% + Service Tax of Loan amount
b) Interest from the date of disbursement till the date of cancellation.
ii) Loan Cancellation post 7 days from the date of disbursement
a) Prepayment charges won't be applicable.
b) Interest from the date of disbursement till the date of cancellation.
Pls note: For all cases of Home Loan (incl HL BT + Top Up) wherein the customer has not en-cashed the disbursement PO and requests for cancellation of the loan with RCF / RHF, would be considered as Prepayment with own funds and would not attract any charges.
Any Charges include only Prepayment charges are waived off, rest all charges as per charge schedule of Home loan are applicable.

Loan reschedulement charges EMI Cycle Date Change

Rs.500

SPDC retrieval Charges for swap, matured, preclosure and customer induced cancellations

i) Rs.300/- at the time of Preclosure/Swap/Matured/Customer Induced cancellations.
ii) Rs.450/- upto sixty days from the day of Preclosure/Swap/Matured/Customer Induced cancellations.

Changing Fixed Rate to Floating & Vice versa

0.5% of Outstanding Principal

Non Refundable Fee

Loan up to Rs 25 lacs - Rs. 3,000 + S.T
Loan >Rs 25 lacs - Rs. 6500/- + S.T

Conversion charges

0.5% of the POS for normal HL/LAP/LRD/CP.For 9.95% scheme it is 5% of POS within 3 years and no charges for the compulsory conversion after three years and normal conversion charges thereafter till the maturity of the loan

Copies of Loan Documents/ Agreement/Retrieval of Share Certificate

Rs.500/- per LAN

Charges on Part Disbursement

Rs.750/-

Prepayment statement charges

Rs.200/-

Construction Finance


Cheque Bounce Charges

Rs.450

Cheque Swapping Charges

Rs 500

Overdue Interest

3% p.m.

EMI Cycle Date Change

Rs 1000

Reschedulement Charges

2% of Principal Outstanding

Duplicate NOC

Rs.500

LPG Kit NOC charges

NA

Cash Handling Charges

1% + app.S.T for cash receipts for Rs.3 lacs and above.

Outstation Cheque Charges

NA

Cheque revalidation charges

NA

Prepayment Charges

5% in First Year , 4% in second year , 3% in Third Year.
The charges is exclusive of Service Tax.

Loan cancellation charges

i) Loan Cancellation with Own Instrument within 7 days from date of disbursement
a) Charges - 1% + Service Tax of Loan amount
b) Interest from the date of disbursement till the date of cancellation.
ii) Loan Cancellation post 7 days from the date of disbursement
a) Prepayment charges won't be applicable.
b) Interest from the date of disbursement till the date of cancellation.

Loan reschedulement charges EMI Cycle Date Change

Rs.1000

SPDC retrieval Charges for swap, matured, preclosure and customer induced cancellations

i) Rs.300/- at the time of Preclosure/Swap/Matured/Customer Induced cancellations.
ii) Rs.450/- upto sixty days from the day of Preclosure/Swap/Matured/Customer Induced cancellations.

Changing Fixed Rate to Floating & Vice versa

0.5% of Outstanding Principal

Non Refundable Fee

On Actuals

Conversion charges

0.5% of the POS / 0.75% for Land + Construction CF Loans

Copies of Loan Documents/ Agreement/Retrieval of Share Certificate

Rs.1000/- per LAN

Charges on Part Disbursement

Rs.1000/-

Prepayment statement charges

Rs.500/-

Service Tax, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change as per relevant regulations of the Government of India
Terms and conditions apply.
All loans are disbursed at the sole discretion of Reliance Capital Limited. All information herein is subject to change without notice. Under no circumstances cash, bearer or blank cheque or kind should be given to any executive in connection with the Loan application. Kindly note that all Post dated cheques and Transaction charge cheques should be crossed and issued in favour of “Reliance Capital Limited”.

Apply for Personal Loan, Home Loan, Business Loan & Loan Against Property in Delhi & NCR through LoanMoney

Home Loan in Delhi/NCR through LoanMoney

Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements. You often renovate your home to suit your changing needs. This loan can be used to carry out repairs / improvements within your existing owned residential properties.

Read More
Personal Loan in Delhi/NCR through LoanMoney

Personal loans are taken primarily for fulfilling your personal aspirations such as vacation, a perfect wedding, home renovation or a much desired gadget. In addition to being relatively easy to apply for, personal loans are unsecured loans which means that you don't need any collateral to take this loan. They are one of the simplest form of loans with customer-friendly repayment terms.

Read More
Loan Against Property in Delhi/NCR through LoanMoney

A sudden requirement of funds is an unavoidable circumstance of business or personal life. Whether a personal necessity (hospitalization, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments.
In this context, it is pertinent to consider an invaluable alternative source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinizing the validity of the said property and its current market value.

Read More
Business Loan in Delhi/NCR through LoanMoney

Running a business is not easy. You have to constantly think of ways and means to keep it going and growing. As a part of the growth plan, you require financing for expanding operations or to buy new equipment or inventory or simply increase the working capital. To help you with your financing needs we offer Business Loans that will help your business grow.

Read More
About LoanMoney, Delhi

LaonMoney is an Authorized Direct Selling Agents of various National, Multinational and Non Banking Financial Companies for promoting their sales for asset division. Feel free to contact us at info@loanmoney.in or +91-8130 222 111 for Transparent and Fastest Processing of Loan.

Why LoanMoney?
# Secured and unsecured Fundings
# Over 21 bank and other financial institutions.
# CORPORATE Direct Associates of All MNC, Pvt Banks, NBFC.
# Personal Loans, Loan Against Property, Home Loans, Business Loans
# Team of expert CA , Ex Bankers, Field Support

LoanMoney deals in ..
# Home loans - Residential/ Commercial/ Industrial - Purchase /Reconstruction / Plots
# Loan Against Property - Residential / Commercial / Industrial
# Business Loans - Unsecured Overdraft / Term Loan / Against Credit Card Swipe
# Personal Loan - Against Salary /Professional Receipts Doctor/ CA/Engg
# Working Capital for SME - Overdraft/ Cash Credit / Term Loan /Export Funding/ Non Funded
# Machinery / Equipment Loans - Medical/ Construction/ Vehicles
# Educational/ Hospital Institutions Loans to Trust/ Society

Contact Now
 
Loan Application

 

It is a type of unsecured loan and helps to meet your current financial needs. You don't need any security/collateral while availing it. Personal Loan is your solution for instant cash and can be used for travelling, wedding, medical emergency, home renovation, or anything else.

 

Home Loan is a Secured loan offered against the security of a house/property which is funded by the banks and NBFCs the property could be a personal property or a commercial one. Home loans consist of an adjustable or fixed interest rate and payment terms.

 

Loan Against Property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. Banks and financial institutions offer this LAP, which can either be a residential/commercial building or a piece of land.

 

A Business Loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. Banks and other financial institutions are there to provide you with suitable lending assistance.

Different Purposes for Personal Loan through LoanMoney

Marriages are made in heaven and its celebration is one of the happiest and memorable events for married couples and their families. Wedding loan is available to people looking to meet their wedding expenses in order to make the wedding a grand success.
A Medical Loan is extended by a bank or a financial institution under the category of personal loans. A medical loan can be used for multiple emergency purposes such as an operation, surgery, procedure, therapy or for any concern related to health.
Balance transfer is the process where a customer transfers his outstanding principal amount to another bank or financial institute primarily for a better rate of interest and also for better features. Balance transfer reduces your interest rates and finally ensure saving.
The Credit Card Payment Loan is designed to allow you to take control of your finances and pay your credit cards off faster. This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.
The Education Loanaims at providing financial support from the bank to deserving/ meritorious students for pursuing higher education in India and abroad. Students enrolled in career-oriented courses e.g. medicine, engineering, management etc, can avail this.
Travel loan is a kind of Personal Loan that you can apply while planning a travel. It can help to cover the costs associated with your holiday, such as airfares, accommodation, hotel fares, tour packages, travel gears/accessories, or any other type of expenses associated with your travel.
Debt consolidation/ Financial Restructuring is a process to streamline one’s financial stability and debt. Thus by consolidating many small debts with one debt, one gets favourable payment off terms and lower burden of EMI.
Home is the place where your story generates. Home Renovation Loans are designed for the purpose of renovating a house and can be taken by a person who owns the property to be renovated.

Disclaimer: LoanMoney is not a Loan Providing Organization. We are facilitating the Loan Process from various Banks & NBFC. The rate, eligibility criteria, term & conditions of various banks are subject to change as per bank discretion. We try our best to keep the data up-to-date, but we can't guarantee the accuracy of data provided in this site. LoanMoney help you to embark on your dream at the right time with many Banks/NBFC's Loan opportunities available! Follow a few simple steps to help LoanMoney team understand your requirements.

read more

LoanMoney receives visitor's information and honors their trust. Their data security is paramount to LoanMoney, so COMODO Positive SSL is being implemented to secure their sensitive information. SSL Certificate is important to secure communication between web browser and server.

SSL Certificate
Like/Follow LoanMoney on Facebook Follow LoanMoney on Twitter Read LoanMoney Blog Follow LoanMoney on LinkedIn Follow LoanMoney on Google Plus Watch LoanMoney Videos on Youtube