Deutsche Bank Loan Against Property

Base Rate	10%
Interest Rates - Residential property	12.50%
Interest Rates - Commercial property	12.50%
Maximum Tenor	15 years
Processing Fee	1% of the loan amount + service tax

Loan To Value Ratio
Self owned - Residence	65% of the Market Value as determined by the bank.
Rented - Residence	55% of the Market Value as determined by the bank.
Self owned - Commercial	50% of the Market Value as determined by the bank.
Rented - Commercial	50% of the Market Value as determined by the bank.
Commercial Purchase	50% of the Agreeement Value

Pre-payment charges
Part Payment Charges: Fixed ROI	Part payment charges are 4.00% of amount prepaid
Part Payment Charges: Floating ROI	Partial prepayment amount in a particular year up to 25% of outstanding loan amount - NIL. A nominal transaction fee of Rs 500/- would be levied for each transaction.
Full Closer Charges : Fixed ROI	Pre-closure charges are 4.00% of the loan outstanding at the time of loan closure
Full Closer Charges : Floating ROI	For amount in excess of 25% of outstanding loan amount in every financial year. a) Up to 3 years from the date of first disbursal: 4% above 25% of the Loan outstanding. b) After 3 years from the date of first disbursal: 2% above 25% of the Loan outstanding.

Other Charges
Default Interest Rate	24% per annum
Duplicate statement issuance charge	Rs. 200
Unsuccessful execution of Standing Instruction for payment / Cheque bounce charge	Rs. 500
Switch Fee	Fixed to Floating: 1.5% of Principal O/S Floating to Fixed: 1.5% of Principal O/S
Loan reschedulement fee (Only for customer initiated EMI / tenor change request)	Rs. 1,000
Stamp Duty Charges	As applicable depending on local regulations and on the type of mortgage
ECS / PDC Swap charges	Rs. 500
Personal credit report issuance charge	Rs. 50
Service Tax payable on fees and charges	As applicable