Fees and Charges - MITC
- Applicable from 1st June, 2018
| 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. 11th Feb 2019.
| Sr. No. | Details of the Fees charged | Fees / Charges Applicable exclusive of GST |
|---|---|---|
| a | Processing Fees | Rs. 2000/- |
| b | Document Handling and Administrative Charges | Loans Up to INR 10 Lacs - 2% Loans Above INR 10 Lacs - 1.85% For Sahaj Loans - 2.5% |
| 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. 11th Feb 2019.
| 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 | 0.5% of Principal Outstanding of every 1% of rate reduction OR Rs. 10,000/- whichever is higher |
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. 11th Feb 2019.
| 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 | Part-Prepayment amount to be equal to minimum 3 EMI equivalent amount | |
| c | 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. | |
| d | 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 |
| 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 | Part-Prepayment amount to be equal to minimum 3 EMI equivalent amount | |
| c | 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. | |
| d | Prepayment charges to be NIL in Floating rate loans if the co-borrower(s) in the loan is/are of individual entity. 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” | 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 |
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. 1st June 2019.
| Profile | APF & Direct Allotment by Govt – (Direct Builder Purchase/Allotment) | Non APF – (All HL Transactions) | Plots | Top Up ( to New / Existing Customers) | Sahaj |
|---|---|---|---|---|---|
| Salaried CAT A - Chq Salaried* / Salaried CAT A - Cash Salaried (Only Govt Emp.)/ SEP | 11.50% | 12.00% | 14.00% | 13.00% | 14.75% |
| Salaried CAT B - Chq Salaried* | 12.00% | 12.75% | 14.50% | 14.00% | 15.50% |
| SENP (CPM)* | 13.00% | 13.75% | 16.00% | 14.50% | 15.50% |
| SENP (Other Than CPM)* | 13.50% | 14.50% | Not Allowed | 15.00% | 16.00% |
| SEP | Self Employed professional like Doctors, Architects, Chartered Accountants, Tax Consultants, Senior Lawyers, Engineers etc. | |
| * Salaried CAT A - Chq Salaried | Employees of Government, PSU, MNC, listed companies and reputed Public and Private limited companies only and who get the salary via cheque mode. | |
| * Salaried CAT B - Chq Salaried | Employee of Proprietorship, Partnership firms, Private Limited companies, Trusts, HUFs, Society etc who can get the salary via cheque | |
| * Salaried CAT B - Chq Salaried | Employee of Proprietorship, Partnership firms, Private Limited companies, Trusts, HUFs, Society etc who can get the salary via cheque | |
| * SENP (CPM) | Income assessment basis Income Tax Returns filed | |
| * SENP (Other Than CPM) | Income assessment basis cash flow analysis, banking or any other surrogate method | |
Disclaimer:
*Interest rates mentioned above are variable in nature & is linked with PLR 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 PLR of the company is 16.0%. All loans are from Capri Global Housing Finance Ltd. Credit at sole discretion of Capri Global Housing Finance Ltd. Terms and conditions apply.
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