FEES & CHARGES
Processing Fees | Up to 2% of Loan Amount plus applicable taxes | |||
Part Prepayment / Foreclosure Charge- Home Loan |
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Part Prepayment / Foreclosure Charge- Non-Housing |
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Charge for Late payment | 24 % per annum | |||
Cheque Swap Charge | Up to Rs. 500 plus applicable taxes per Swap | |||
Document Retrieval Charge | Up to Rs. 500 plus applicable taxes | |||
Cheque Bounce Charge | Up to Rs.500 plus applicable charges per bounce | |||
Duplicate Statement Issuance Charge | Rs. 500 plus applicable taxes per document | |||
Cheque Pick up Charge | Up to Rs. 150 plus applicable taxes per pick up | |||
CERSAI charges |
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NeSL Data Submission Charges(plus applicable taxes) * For more information, kindly visit www. Nesl.co.in for details of charges. | Applicant | Companies/LLPs | Other Commercial entities | Individuals |
Data submission per loan record of a borrower for each year | 1st loan record – Rs. 300/-; 2-10 loan record– Rs. 100/- each · 11th onwards – Rs. 50/- each Annual renewal fee- Rs-250/- | 1st loan record – Rs. 150/- 2nd onwards – Rs. 50/- each Annual renewal fee- Rs-125/- | Unsecured- All loan records- Rs. 25/- each Secured- All loan records- Rs. 50/- per loan account (one time fee) (Rs.10 for annual updation after completion of period of 5 years from the date of 1st submission) | |
Stamp Duty & other statutory Charges | As per applicable laws of the State | |||
Conversion Fee | Up to 1.5% of the Loan outstanding plus applicable taxes will be charged for reduction in the Interest rate of existing Loans | |||
*Nil foreclosure charges/pre-payment charges applicable for floating term home loans in which applicant is individual irrespective of co-applicant being individual/ non-individual.
** Nil foreclosure charges/pre-payment charges applicable for floating rate loan against property sanctioned for loan purposes other than business to individual borrowers with or without co-obligant(s). ***Non individual borrower means and includes Sole Proprietorship Concern, HUF, Partnership Firm, Company, Limited Liability Partnership (LLP), AOI, BOI. ****‘Own Source’ for this purpose means any source other than borrowing from a Bank / Housing Finance Company (HFC) / Non-Banking Financial Company (NBFC) or Financial Institution. You shall be required to submit a Prepayment Request Letter along with copies of your Bank Statement or any other document that the Company deems necessary to ascertain the source of funds used for the prepayment. All charges, taxes, levies etc. applicable as per the prevailing rate will be charged over and above these charges. This statement of charges is as on date of disbursement and are subject to changes / revision from time to time and the same will be updated on the website. |
FEES & CHARGES
Processing Fees | Up to 2% of Loan Amount plus applicable taxes | |||
Part Prepayment / Foreclosure Charge- Home Loan |
|
|||
Part Prepayment / Foreclosure Charge- Non-Housing |
|
|||
Charge for Late payment | 24 % per annum | |||
Cheque Swap Charge | Up to Rs. 500 plus applicable taxes per Swap | |||
Document Retrieval Charge | Up to Rs. 500 plus applicable taxes | |||
Cheque Bounce Charge | Up to Rs.500 plus applicable charges per bounce | |||
Duplicate Statement Issuance Charge | Rs. 500 plus applicable taxes per document | |||
Cheque Pick up Charge | Up to Rs. 150 plus applicable taxes per pick up | |||
CERSAI charges |
|
|||
NeSL Data Submission Charges(plus applicable taxes) * For more information, kindly visit www. Nesl.co.in for details of charges. | Applicant | Companies/LLPs | Other Commercial entities | Individuals |
Data submission per loan record of a borrower for each year | 1st loan record – Rs. 300/-; 2-10 loan record– Rs. 100/- each · 11th onwards – Rs. 50/- each Annual renewal fee- Rs-250/- | 1st loan record – Rs. 150/- 2nd onwards – Rs. 50/- each Annual renewal fee- Rs-125/- | Unsecured- All loan records- Rs. 25/- each Secured- All loan records- Rs. 50/- per loan account (one time fee) (Rs.10 for annual updation after completion of period of 5 years from the date of 1st submission) | |
Stamp Duty & other statutory Charges | As per applicable laws of the State | |||
Conversion Fee | Up to 1.5% of the Loan outstanding plus applicable taxes will be charged for reduction in the Interest rate of existing Loans | |||
*Nil foreclosure charges/pre-payment charges applicable for floating term home loans in which applicant is individual irrespective of co-applicant being individual/ non-individual.
** Nil foreclosure charges/pre-payment charges applicable for floating rate loan against property sanctioned for loan purposes other than business to individual borrowers with or without co-obligant(s). ***Non individual borrower means and includes Sole Proprietorship Concern, HUF, Partnership Firm, Company, Limited Liability Partnership (LLP), AOI, BOI. ****‘Own Source’ for this purpose means any source other than borrowing from a Bank / Housing Finance Company (HFC) / Non-Banking Financial Company (NBFC) or Financial Institution. You shall be required to submit a Prepayment Request Letter along with copies of your Bank Statement or any other document that the Company deems necessary to ascertain the source of funds used for the prepayment. All charges, taxes, levies etc. applicable as per the prevailing rate will be charged over and above these charges. This statement of charges is as on date of disbursement and are subject to changes / revision from time to time and the same will be updated on the website. |
EHFL is regulated by the National Housing Bank (NHB) vide Certificate of Registration (CoR) No. 03.0081.10 dt. 18/03/2010. However, NHB does not accept any responsibility or guarantee about the present position as to the financial soundness of Company or correctness of any of the statements or representation made or opinion expressed by the Company.