HSBC Bank Loan Against Property - Fees and Charges

Processing fee:
A total of 1% of the loan amount sanctioned or Rs. 10,000, whichever is higher, will be applicable as Processing fee (plus service tax plus applicable cess). The fee is collected in two parts: Rs. 5,000 + Service Tax + applicable cess is to be paid up front along with the loan application and the balance Processing fee amount + Service Tax + applicable cess is to be paid before loan disbursal. Processing fee paid is non-refundable.


Prepayment Charges

 

For LAP Floating Rate

NIL Pre-payment Charges

Prepayment charges for Fixed Rate LAP 4

 

Upto 25% of the outstanding loan amount once in every financial year

NIL

For amount in excess of 25% of the outstanding loan amount or more than one prepayment

4% of Pre-payment amount

Note
4 Prepayment is permitted after a minimum of 6 months from the date of loan disbursal. The prepayment charges are applicable only during the fixed rate tenure. If you switch your loan to floating rate, prepayment charges will not be applicable 

For processing prepayment requests, customers are required to send HSBC a written instruction communicating their desire to prepay with their intent of wanting to reduce the loan tenure or EMI. In case no clear instruction is received to reduce loan tenure or EMI, we will be default reduce the loan tenure basis the prepayment amount received.
In case excess funds/amounts are received towards the loan account without any written instructions from the customer to prepay, such excess amounts will be apportioned towards the principal amount of the loan.

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