Reliance Loan Against Property
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| Interest Rate | upto 3cr - 13.25 to 14% from 3 cr to 5 cr- 13.5% to 14.25% |
| Base Rate | |
| Processing Fee | 1.50% of loan amount + Service Tax |
| Maximum Tenor | |
| Part Payment Charges | Lock-in period 6 months After 6 months of loan being 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) |
| Full Closer Charges | Lock-in period 6 months After 6 months of loan being 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) |
| 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. |
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| Cheque Bounce charges | Rs. 450 | ||||||
| Late Payment charges | 3% pm on unpaid amount | ||||||
| Cheque Swapping charges | Rs. 500 per swap | ||||||
| Loan / Cheque Cancellation Charges | a) If disbursement cheque is not en-cashed within 7 days from
the date of disbursement and your request for loan/cheque cancellation
is received by us within the said period (7 days) then cancellation
charges amounting to 1% + Service tax of the loan amount will be
applicable in addition to the interest charges calculated from the
date of disbursement upto the date of cancellation. b) If your request for loan / cheque cancellation is received by us after a period 7 days from the date of disbursement then foreclosure charges as mentioned above will be applicable in addition to the interest charges calculated from the date of disbursement upto the date of cancellation |
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| Loan Reschedulement Charges | 2% of principle outstanding | ||||||
| NOC issuance charges | First - 'Nil', Rs. 500 thereafter | ||||||
| Document Retrieval Charges | Rs. 500 per request | ||||||
| Stamp duty and Registration charges + Service tax | Actuals | ||||||
| Stamp Duty Charges( Pertaining to Loan Document) | Actuals + Service Tax | ||||||
| Legal / repossession and incidental charges | Actuals | ||||||
| Changing floating rate to fixed rate (if offered) | 0.5% on the outstanding loan amount | ||||||
| Asset Verification Charges | Actuals | ||||||
| Technical Valuation Charges | As per Actuals | ||||||
| Legal search charges | As per Actuals | ||||||
| Insurance Premium | Actuals | ||||||
| Advance EMI | Actuals | ||||||
| EMI cycle date change charges | Rs.500/- | ||||||
| Foreclosure Statement Charges | Rs:200/- | ||||||
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