Reliance Home Loan

Prime Lending Rate [PLR]	17.75%
Floating Rates	Salaried - 11.50% Self Employed Non-Professional - 12% to 12.25% Self Employed Professional - 12% to 12.25%
Processing Fee	0.75% of the loan amount + Service tax
Max Loan to Value ratio	80% of the market value as determined by the bank or 100% of the sanctioned amount which ever lower.
Insurance Charges	At actuals; As applicable
Part prepayment Charges	Within 6-12 months from the date of final disbursement 3% + 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)
Full closer charges	0% if paid from own sources or else 2% of the out standing amount - less 25% of the original amount.

Other Charges
Non Refundable processing fees (included in processing fees)	Upto Rs. 25 lacs - Rs.3000+S.T. > Rs. 25 lacs - Rs.6500+S.T.
Cheque Bounce charges	Rs. 450
Late Payment charges	3% pm on unpaid amount
Cheque Swapping charges	Rs. 500 per swap
Loan Reschedulement Charges	2% of principle outstanding
NOC issuance charges	First - 'Nil', Rs. 500 thereafter
Document Retrieval Charges	Rs. 500 per request
Insurance Premium	Actuals
Advance EMI	Actuals
EMI cycle date change charges	Applicable for all repayment modes Rs:500/-
Foreclosure Statement Charges	Rs:200/-