Salaried 1% + Service Tax; SENP-
1.5% + Service Tax
Part payment charges
0% penalty on part prepayment of till
20% in one Financial Year of the outstanding loan amt as at the beginning
of the Financial Year.
Full closer charges
0% if paid from own sources or else
2% of the out standing amount
HSBC [ Scheme I ]
1/2/3 year fixed
5 year fixed
11.25% ROI 13th/ 25th / 37th EMI onwards Base rate +
2%
11.50% ROI 61st EMI onwards Base rate + 2%
PLR
9.75%
Processing Fee
0.5% of the loan amount + service tax
Part payment charges
No pre payment allowed in the fixed rate tenure
Full closer charges
3% of the out standing amount
HSBC [ Scheme II ]
1/2/3 year fixed
5 year fixed
Smart Home Loan
11.50% ROI 13th/ 25th / 37th EMI onwards - Base rate
+ 2%
11.75% ROI 61st EMI onwards - Base rate + 2%
11.5%
PLR
9.75%
Processing Fee
0.5% of the loan amount + service
tax
Part payment charges
Pre-payment possible after a minimum
of 6 months
following the loan disbursal. 0% penalty on repayment of till 25%
every Financial Year of the loan amount sanctioned.
For pre-payment amount above 25% of the loan amount sanctioned - 3%
Full closer charges
3% of the out standing amount
ICICI Bank
1 Year Fixed
2 Years & 3 Years Fixed
Floating Rates
Loan up to 25 lacs - 10.5%
ROI 13th EMI onwards -Base rate + 0.5%
from 25 to 75 lacs - 11%
ROI 13th EMI onwards -Base rate + 1%
0% if paid from own sources or else
2% of the out standing amount
Reliance Home Finance
Floating Interest Rate
PLR
Processing Fee
Part Payment Charges
Full Closer Charges
Salaried - 11.50%
SENP - 12% to 12.25%
SEP - 12% to 12.25%
17.75%
0.75% of the loan amount + Service tax
Prepayment is allowed after 6 months of loan being fully
disbursed 5% + S.T.
within 6-12 months from the date of final disbursement 3% + S.T.
within 12-24 months from the date of final disbursement.
2% + S.T. after 24 months from the date of final disbursement.
( On the outstanding principle)
0% if paid from own sources or else 2% of the out standing
amount - less 25% of the original amount.
Standard Chartered Bank
Floating Interest Rates
Base Rate
Processing Fee
Part Payment Charges
Full Closer Charges
Salaried - 11.50%
SENP -12% to 12.25%
SEP - 12% to 12.25%
9.75%
0.5% of the loan amount + Service tax
NIL for part pre-paymentts less than 25% of the principal
outstanding in a calendar year.
For part pre-payments greater than 25% of the principal outstanding
in a calendar year, the charges will be as below: Home Loan 2.5%of
the entire amount being paid.
0% Home loan 2.5% of the principal outstanding*
*Here Principal outstanding refers to the principal outstanding at
the time of closure as well as the amount part pre-paid in the same
calendar year which has not been charged.