Fees and Charges - MITC

Home Loans Tariff Card / Fees & Charges Grid

- Applicable from 10th September, 2020

SCHEDULE OF CHARGES:

On Application

Sr. No. Description Fees / Charges Applicable exclusive of GST
a Application Fees (IMD) Up to Rs. 5,000
a. Delhi NCR Rs. 5,000/-
b. MMR Rs. 3,500/-
c. Rest of India Loans Up to 40 Lacs – Rs. 3,500/-, above 40 Lacs – Rs. 5,000/-
b Stamp Duty Charges & MOE Charges On Actuals

All applicable fees & charges are subject to levy of GST and any other tax/ surcharge as applicable and payable in addition to the fees/ charges. All Charges stated above are subject to change at the discretion of CGHFL.

The above charges are applicable w.e.f. 16th Aug 2021.

From Disbursement

Sr. No. Details of the Fees charged Fees / Charges Applicable exclusive of GST
a Processing Fees Rs. 2000/-
b Document Handling and Administrative Charges Salaried Cat A – 1.00%
Salaried Cat B – 1.00%
Salaried Cat C – 1.50%
SEP/SENP - loan up to 10 Lacs – 2.00% SEP/SENP - Above 10 Lacs – 1.50% Sahaj Loans All Schemes - 2.00
c CERSAI charge creation Rs. 50/- for loans < Rs. 5 lacs and Rs. 100/- for loans > Rs. 5 lacs
d Legal Opinion Charges Per Collateral Rs. 2,500/-
e Legal Handling Charges (only in Balance Transfer / Resale loans) Rs. 1,500/-
f Valuation Charges Rs. 2,000/-
g Subsequent Valuation Charges (only in construction cases) Rs. 500/-
h Document Verification Charges (FCU) Rs. 750/-
i Income Estimation Charges (LIP) Rs. 1,750 (where applicable)
j ROC Lien updation Charges Rs. 2,500 (where applicable)

All applicable fees & charges are subject to levy of GST and any other tax/ surcharge as applicable and payable in addition to the fees/ charges. All Charges stated above are subject to change at the discretion of CGHFL.

The above charges are applicable w.e.f. 16th Aug 2021.

During the Term of Loan

Sr. No. Details of the Fees charged Fees / Charges Applicable exclusive of GST
a Loan Cancellation Charges Rs. 5,000/-
b Loan Rebooking Charges Rs. 2,500/-
c PDC/ ECS/ NACH Dishonour Charges Rs. 500/- per instance (Home Loans)
Rs. 750/- per instance (Home Equity)
d Default / Late Payment Interest Rate 36% p.a. of outstanding dues
e Collection Charges (Applicable only in cases of collection executive visits) Rs. 350/- per visit
f Repayment Swapping charges Rs.500/-
g Duplicate No dues certificate Rs.500/-
h Foreclosure/ any other Statement Charges Rs. 500/-
i List of Documents Retrieval (LOD) Charges Rs.1100/- per instance
j Copy of Property Papers Retrieval Charges Rs.1000/- per instance
k Document Retrieval Charges (Any Other not mentioned above) Rs. 500/- per instance
l Recovery (Legal / Possession & Incidental Charges) On Actuals
m ROI Conversion Charges / Switch Fees @Rs. 500/ for each Rs. 1.00 lac of loan amount irrespective of the % reduction in ROI.

All applicable fees & charges are subject to levy of GST and any other tax/ surcharge as applicable and payable in addition to the fees/ charges. All Charges stated above are subject to change at the discretion of CGHFL.

The above charges are applicable w.e.f. 16th Aug 2021.

PREPAYMENT CHARGES (FIXED RATE TENOR OF SEMI-FIXED LOANS)

Prepayment Charges

Sr. No. Individual Non-Individual
a Charges on pre-payment made of amount up to 25% of Principal Outstanding is NIL, Once in any Financial Year
b All part prepayments made 12 months prior to the full payment of the loan will be charged at the applicable full prepayment rate at the time of prepayment.
c Prepayment charges applicable as applicable on “Non – Individual Loans”. Prepayment charges (part/ full) to be 5% up to 24th month from the date of last disbursal Prepayment charges (part/ full) to be 3% from 25th month from the date of last disbursal
d Prepayment charges is not applicable on "Individual Loans" provided the Prepayment is from own funds.

PREPAYMENT CHARGES (FLOATING RATE TENOR OF SEMI-FIXED LOANS) AND (FLOATING LOANS)

Individual Non-Individual
No foreclosure charges/pre-payment penalties to be levied on any floating rate home loans sanctioned to individual borrowers. Charges on pre-payment made of amount up to 25% of Principal Outstanding is NIL, Once in any Financial Year.
Prepayment charges to be NIL in Floating rate loans if the co-borrower(s) in the loan is/are of individual entity. All part prepayments made 12 months prior to the full payment of the loan will be charged at the applicable full prepayment rate at the time of prepayment..
If non-individual entity is/are co-borrower in the loan, then the prepayment charges to be levied as per the slab mentioned for “Non – Individual Loans”

Non-Individuals entity covers Sole Proprietorship Firm / Partnership Firm / LLP / Company / Society/ HUF etc.
Prepayment charges (part/ full) to be 5% up to 24th month from the date of last disbursal.

Prepayment charges (part/ full) to be 3% from 25th month onwards from the date of last disbursal.

The Standard TAT for Issuing Foreclosure and List of Documents (LOD) to customer is 45 days from the date of Request

All applicable fees & charges are subject to levy of GST and any other tax/ surcharge as applicable and payable in addition to the fees/ charges. All Charges stated above are subject to change at the discretion of CGHFL.

The above charges are applicable w.e.f. 16th Aug 2021.

HL Pricing Grid - 10th Sept 2020 onwards

CUSTOMER TYPE RATES
Salaried / Self Employed Attractive Rate Of Interest in the range 7.99%-16.00%

Disclaimer:

*Interest rates mentioned above are variable in nature & is linked with RR of the company which is decided from time to time. It is further dependent on risk profile of customer - professional qualification, stability in earnings and employment, past repayment track record with us or other lenders, external ratings of customers, credit reports, customer relationship, future business opportunities and type of collateral offered etc. The current RR (reference rate) of the company is 16.00% effective from 01st August 2019. All loans are from Capri Global Housing Finance Ltd. Credit at sole discretion of Capri Global Housing Finance Ltd. Terms and conditions apply.

For details terms & conditions of the loans under CGHFL, please refer attached the MITC in below link

Leadership

Rajesh Sharma Managing Director

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