Home Loan: Apply Housing Loan Online 7.55*% P.A. Interest Rate | HDFC Bank
Sr. No
Name of the Product/Service
Name of Fee/Charge levied
When Payable
Frequency
Amount in Rupees
1A
Fees for Housing Loan/ Extension/Improvement of Housing Loan /Refinanceof Housing Loan/Plot Loans for Housing(Salaried, Self Employed Professionals)
Processing Fees
At Application
Once
Upto 0.50% of the loan amount or Rs. 3000/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 3000/-
1B
Fees for Non Housing Loan/Extension/
Improvement of Non-Housing Loan/
Refinance of Non-Housing Loan/Plot Loans for Non- Housing (Salaried,Self Employed Professionals)
Processing Fees
At Application
Once
Upto 0.50% of the loan amount or Rs. 4500/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention Amount: Rs. 4500/-
2
Fees for Housing/Extension/Improvement/
Refinance/Plot Loans for Self Employed Non Professionals.
Processing Fees
At Application
Once
Upto 1.50% of the Loan amount or Rs. 4500/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 4500/-
3A
Fees for Top-Up Loan (Salaried,Self
Employed Professionals)
Processing Fees
At Application
Once
Upto 0.50% of the Loan amount or Rs. 3000/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 3000/-
3B
Fees for Top-Up Loan (Self Employed
Non Professionals)
Processing Fees
At
Application
Once
Upto 1.50% of the Loan amount or Rs. 4500/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 4500/-
4
Fees for Equity/Non Residential Premises Loans.
Processing Fees
At
Application
Once
Upto 1.50% of the Loan amount or Rs. 4500/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 4500/-
5
Fees for NRI Loans
Processing Fees
At
Application
Once
Upto 1.25% of the Loan amount or Rs. 3000/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time. Minimum Retention
Amount: Rs. 3000/-
6
Fees for Value Plus Loans
Processing Fees
At
Application
Once
Upto 1.50% of the Loan amount or Rs. 3000/- whichever is higher + taxes and statutory levies and charges, as may be applicable from time to time.
7
Fees for Loans under HDFC Reach
Scheme
Processing Fees
At
Application
Once
Upto 1.50% of the loan amount + taxes and statutory levies and charges, as may be applicable from time to time.
8
Delay Payment Charges
Additional
Interest
On Accrual
Monthly
A maximum of 18% P.A on the defaulted sum.
9
Expenses to cover costs
Incidental
Charges
On incurring
expenses
Incidental charges and expenses are levied to cover the cost, charges, expense and other monies as per actuals applicable to a case.
10
Statutory Charges
CERSAI
On
Disbursement/ Change of security
Once
As per charges levied by CERSAI.
11
Statutory Charges
Stamp Duty/
MOD/MOE
On Fixing of
Disbursement
Once
As applicable in the respective state,
12
Switch to Lower Rate in Variable rate
Loans (Housing/Extension/Improvement)
Conversion Fees
On Conversion
On every Spread
change
Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or a cap Rs. 50000 plus taxes whichever is lower.
13
Switching to Variable Rate Loan from
Fixed Rate Loan (Housing/Extension/
Improvement)
Conversion Fees
On Conversion
Once
Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or a cap Rs. 50000 plus taxes whichever is lower.
14
Switch from Trufixed fixed rate to
Variable rate
Conversion Fees
On Conversion
Once
1.75% of the Principal Outstanding
and undisbursed amount (if any) plus taxes at the time of Conversion.
15
Switch to Lower Rate
(Non–Housing Loans)
Conversion Fees
On Conversion
On every Spread
change
Half of the spread difference on the principal outstanding and undisbursed amount (if any) plus taxes, with a minimum fee of 0.5% and Max. 1.50%.
16
Switch to Lower Rate (Plot Loans)
Conversion Fees
On Conversion
On every Spread
change
0.5% of principal outstanding and undisbursed amount (if any) plus taxes at the time of Conversion.
17
Cheque/ECS Dishonour Charge
Miscellaneous
Receipts
On Cheque
Dishonour
Depends on no. of Dishonour
Rs. 200/- Per Dishonour.
18
Photo Copy of Documents
Miscellaneous
Receipts
Event
On every request
Upto Rs. 500 plus taxes.
19
Fees on trương mục of External Opinion
Miscellaneous
Receipts
On incurring expenses
As per actuals.
20
List of documents
Miscellaneous
Receipts
Event
On every request
Upto Rs. 500 plus taxes.
21
PDC swap
Miscellaneous
Receipts
Event
On every request
Upto Rs. 500 plus taxes.
22
Disbursement cheque cancellation charge post disbursement
Miscellaneous
Receipts
Event
On every request
Upto Rs. 500 plus taxes.
23
Re-appraisal of loan after 6 months from sanction
Processing Fees
At
Re-Application
Once
Rs. 2000 plus taxes and statutory levies and charges, as may be applicable from time to time.
24
Increase/Decrease in loan term
Processing Fees
At Request
Once
Rs 500 plus taxes and statutory levies and charges, as may be applicable from time to time