Deutsche Bank Home Loan

Base Rate	10%
Floting Interest Rate	10.75%
Fixed Interest Rate	NA
Maximum Tenor	20 years
Processing Fee	Upto 1% of the Loan amount + Govt service tax
Max Loan to Value ratio	80% of the market value as determined by the bank or 100% of the sanction amount whichever lower
Franking Charges	0.2% of the Loan Amount
Insurance Charges	At Actulas; As Applicable
Prepayment Charges	Prepayment is allowed only after 6 months from the date of loan disbursal. No prepayment can be done on partly disbursed loan.
Part Prepayment Charges
Part payment charges for Floating Interest Rate	No penalty is charged on part payments. However, a transaction charge of Rs 500 would be applicable for each prepayment.
Part payment charges for Fixed Interest Rate	Part payment charges are 2.50% on the amount prepaid.
Full closure charges
Full closer charges for Floating Interest Rate	Pre-closure charges are levied at the rate of 2% on the Loan outstanding at the time of loan closure & all part payments made during the last 12 months prior to loan closure.
Full closer charges for Fixed Interest Rate	Pre-closure charges are 2.50% of the loan outstanding at the time of loan closure.

Other Charges
Switching Charges (Fixed to Floating or vice-a-versa)	1.5% of the Principal outstnding
Repayment Instruction / Instrument Return charges	Rs.500
Default rate of Interest	24% per annum
Cheque/Instrument Swap charges	Rs.500
Document Retrival Charges	Rs.500
Loan reschedulement fee (Only for customer initiated EMI / tenor change request)	Rs.1000