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Regular Rate: 10.00% to 11.00% for salaried individuals.
Borrower Type/Interest Type | Time Period (Months) | Foreclosure Charges |
---|---|---|
Individual: Floating rate* | Greater than 1 Month | Nil |
Non-individual: Floating rate | Greater than 1 Month | 4% plus applicable charges |
All borrowers: Fixed rate* | Greater than 1 Month | 4% plus applicable charges |
For Term Loan, charges are calculated on the outstanding principal.*
Borrower Type/Interest Type | Time Period (Months) | Foreclosure Charges |
---|---|---|
Individual: Floating rate* | Greater than 1 Month | Nil |
Non-individual: Floating rate | Greater than 1 Month | 2% plus applicable charges |
All borrowers: Fixed rate* | Greater than 1 Month | 2% plus applicable charges |
*The above charges are excluding taxes
These are indicative and subject to change at the discretion of lender/ without prior notice.
For definitions of the terms marked with (*), please refer to the document 'Home Loan - Balance Transfer Terms' in the Download Section
You can use a Loan Against Property to fulfil all your financial obligations. If you are a salaried individual, you can use your loan for the following purposes:
The eligibility of a Loan Against Property is calculated by taking the following parameters in to account:
In case of a loan with a floating interest, the interest component is subject to change. When the rates change, one of the following two changes can be done to a loan:
As a practice, the term of the loan is extended since the customer might have given post-date cheques and it would be difficult to replace them on every rate change. However, in case of under construction properties, the Pre-EMI amount is increased by default. You can choose any of the above options according to your convenience. The default option is to change the EMI to match the balance tenure of a loan.
You can avail a Loan Against Property for the following:
You can not avail a Loan Against Property for the following:
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