Standard Chartered Bank Home Loan

Base Interest Rate	9.75%
Floating Interest Rates	Salaried -11.50%, Self employed Professional / Non - professional - 12% to 12.25%,
Processing Fee	0.5% of the loan amount + Service tax
Part prepayment Charges	NIL for part pre-payments 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 2.5% of the amount being paid
Full closer charges	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.
Loan to Value ratio
Franking Charges	0.2% of the loan amount
Insurance Charges	At actuals; As applicable

Other Charges
Late Payment Charges	27% p.a
Cheque / ECS Bounsing Charges	Rs.495/- per instance
Documents Retrival Charges (property documents & photocopies of the same)	Rs.300/- per instance
Switching Charges (applicable only for Variable rate customers)	0.75% of the principal outstanding.
Conversion Charges (applicable for fixed to Variable & vice versa, HomeSaver to Home Loan & vice versa)	1.50% of the principal outstanding.