| Transaction |
Charges |
| Loan Processing /Administration Fee |
Home Loans : Up-to 1% of the loan amount
Other Loans : Up-to 2% of the loan amount |
Part Payment/Pre-Closure Charges:
Any part pre-payments made in the last 12 months prior to closure will be counted towards the pre-closure charges (applicable for non individuals/ individuals with other than floating rate) |
- Floating rate loans given to individuals, where all applicants and co-applicants are individuals: Nil
- Home Loans (other than floating rate Home Loans to individuals): 2% of principal outstanding
- Loan against Property & Lease Rental Discounting: 4% of principal outstanding
- Loan against Property or Lease Rental discounting (other than floating rate loans to individuals): 4% of principal outstanding
|
Other Charges:
Default Penal Interest Rate / Non Conformance with
any covenants / stipulated conditions
|
24% p.a. i.e. 2% per month |
| NACH failure charges |
₹750/- per instance |
| Accrued Interest |
As applicable based on actual delayed status or as communicated by the lender from time to time |
| CERSAI charges (You may visit the website of CERSAI for all such charges at
www.cersai.org.in) |
- When facility amount is equal to ₹.5 lacs or lesser – ₹.50 per property
- When facility amount is greater than ₹5 lacs – ₹100 per property
|
| Pre-closure quote |
₹1,000/- per instance |
| Request for Copies of any collateral held with ABHFL |
₹750/- per instance |
| Duplicate Statement/ Repayment Schedule / any other document held with ABHFL request |
₹200/- per instance |
| Cheque Return Charges/ECS failure charges |
₹750/- per instance |
| CIBIL report retrieval fee |
₹50/- per instance for Consumer and ₹500/- for Commercial CIBIL |
| Loan Re-schedulement (at discretion of ABHFL) charges |
0.50% |
| NOC issuance charges |
₹500 |
| Cancellation Charges if any |
4.00% of loan amount disbursed |
| Swap Charges (Fixed or semi-fixed rate to floating and vice-versa at discretion of ABHFL) |
2% of the loan outstanding |
- Stamp Duty
- Legal and other statutory charges
- Insurance Premium
- Creation charge with ROC
|
As per actual, where applicable |
| Above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and would be subject to changes from time to time. |
