Reliance Capital Home Loan - Fees and Charges

Description

Individual Housing Loans

Cheque bounce charges

Rs.450

Overdue Interest

3% pm on unpaid amount

Loan reschedulement charges :
a) EMI Cycle Date Change
b) Tenure/EMI Reschedulement


Rs.500 + Interest
2% of POS

NOC Issuance charges

First "Nil", Duplicate Rs.500

Legal / Collection/ Repossession & Incidental charges

As per Actuals

Cash Handling Charges

1% + applicable S.T for cash receipts for Rs.3 lacs and above.

SPDC retrieval Charges

Rs.300/- at the time of Pre-closure/Swap/Matured/Customer Induced cancellations.
Rs.450/- up to sixty days from the day of Pre-closure/Swap/Matured/Customer Induced cancellations.

Conversion Charges

0.5% of Outstanding Principal

Non Refundable Fee

Loan up to Rs 28 lacs - Rs. 3,000/- + S.T
Loan >Rs 28 lacs - Rs. 6500/- + S.T

Copies of Loan Documents/ Agreement/Retrieval of Share Certificate

Rs.500/- per LAN

Charges on Part Disbursement

Rs.750/-

Prepayment Statement Charges

Rs.200/-

Statement of Account / Amortization Schedule

Nil Charges

Prepayment Charges in case of Floating Rate

1) "Nil" for all floating rate term loans sanctioned to "individual borrowers"
2) Prepayment charges will be applicable for Loan in which company, firm, etc. is a borrower or co-borrower

Semi Fixed rate of Interest

1) "Nil" prepayment charges, if the loan has been converted in floating rate of interest at the time of pre payment / pre closure.
2) In case loan is on Fixed Rate at the time of closure, Prepayment Charges are "Nil" if Loan is pre closed through "Own Source"* of funds (It would be chargeable if closed through other than own source.)

Fixed

Prepayment Charges are applicable if Housing Loan is not pre closed by "Own Source" * of funds

Loan cancellation Charges

Cancellation charges of Rs 3000/- along with applicable interest amount from the date of disbursement till the date of cancellation will be charged.

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