| HOUSING CHARGES | |
|---|---|
| Processing fee/Loan processing charge (non-refundable) | Salaried / Self employed Professional Upto 0.50% of the loan amount or ₹4,000/- whichever is higher, plus applicable taxes. Minimum Retention Amount: Upto 50% of applicable fees or ₹4,000/- + applicable taxes whichever is higher. For Self-Employed Non-Professionals: Upto 1.50% of the loan amount or ₹5,000/- whichever is higher, plus applicable taxes. Minimum Retention Amount: Upto 50% of applicable fees or ₹5,000 + applicable taxes whichever is higher. For NRI Loans Upto 1.50% of the Loan amount or ₹4,000/- whichever is higher + applicable taxes / statutory levies and charges. Minimum Retention Amount: Upto 50% of applicable fees or ₹4,000/-+applicable taxes/statutory levies whichever is higher For Value Plus Loans Upto 1.50% of the Loan amount or ₹5,000/- whichever is higher + applicable taxes / statutory levies and charges. Minimum Retention Amount: Upto 50% of applicable fees or ₹5,000/-+applicable taxes/statutory levies whichever is higher For HDFC Reach Scheme Upto 2.00% of the loan amount+ applicable taxes / statutory levies. Minimum Retention Amount: Upto 50% of applicable fees or ₹4,000/-+applicable taxes/statutory levies whichever is higher |
| Re-Appraisal Of Loan After 6 Months From Sanction(applicable for housing and non-housing) | Salaried / Self employed Professional- Upto ₹3,300/- For Self-Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach Scheme/- Upto ₹5,000. |
| Conversion of ROI from floating to fixed(who have availed EMI based floating rate Personal Loans)*Please refer the RBI circularNo.DBR.No.BP.BC.99/08.13.100/2017-18 on “XBRL Returns – Harmonization of Banking Statistics” dated January 04, 2018.”. | Upto ₹3.000/- |
| List Of Documents (For issuance of duplicate LOD post disburserment) |
Upto ₹500/- |
| Photocopy of Documents | Upto ₹500/- |
| Repayment Mode Change Charges | Upto ₹500/- |
| Stamp Duty & Statutory / Regulatory Charges | At actual |
| Incidental Charges | At actual |
| Cersai Charges | At actual (upto ₹100/-) |
| Mortgage Guarantee | At actual |
| Administrative Charges | Upto ₹5,000/- plus applicable taxes |
| Other penal charges, if any | |
| Non Compliance of sanction / agreed Terms | Upto 2% charges per annum on principal outstanding for non compliance of agreed terms upto its fulfillment - (Charged on monthly basis) Subject to a Max of ₹50,000/- for Critical security related deferrals Max of ₹25,000/- for other deferrals |
| Conversion Fees/Charges | For Home Loan, HL Top UP & Plot Equity loan (Switch to lower rate in Variable rate loans ) Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion or ₹3,000 (which ever is lower ) for 1st Conversion with charges. , for Subsequent conversions charges would be Upto 0.50% of the Principal Outstanding and undisbursed amount (if any) at the time of Conversion OR ₹2,000 ( which ever is lower ) . Switch from Combination rate home loan under fixed rate term/Fixed rate loan to Variable rate – Upto 1.50% of the Principal Outstanding |
| Payment Return Charges | ₹450/- |
| Premature closure charges | • Adjustable Rate Loans (ARHL) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Variable Rate of interest – Nil • Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan (“CRHL”) during the period of applicability of the Fixed Rate of interest - 2% plus applicable taxes/statutory except when part or full prepayment is being made through own sources |
| Property Document Retention charges | ₹1,000 per calendar month, after 2 calendar months from date of closure of all loans/facilities linked to the collateral |
| Own Sources: *the expression ""own sources"" for this purpose means any source other than borrowing from a Bank/HFC/NBFC or Financial Institution. The Borrower will be required to submit such documents that HDFC may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan. 1. All the above charges/fees/Commissions are exclusive of taxes. All government taxes are applicable. 2. 10% discount to senior citizens on all the service charges 3. Service charges/Fees/Commissions may be revised with approval of Business Head in case of regulatory requirement. 4. NIL Premature Closure Charges /Foreclosure/ Prepayment Charges for Fixed rate loan facility up to ₹50 Lakh availed by Micro & Small Enterprises. 5. NIL Processing Fees for loan facility up to ₹5 Lakh availed by Micro & Small Enterprises subject to URC submission prior to disbursal 6. NIL Processing Fees for loan facility up to ₹5 Lakh availed by Micro & Small Enterprises subject to URC submission prior to disbursal l 7. Interest rate of 18% p.a. will be levied on the amount utilized above the Operating Limit of overdraft facility. (Applicable for DOD facility only). 8. Penal Charges will be realised on cash basis 9. Interest will be charged on unpaid EMI for the number of days EMI is late. This interest is calculated @ loan’s contracted rate and will be added to next EMI. 10. The Borrower will be required to submit such documents that HDFC Bank may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan 11. Processing fee, administrative fee, stamp duty, cersai fee and all other charges are non refundable |
|
| In the event of default, the details of authorised associate to approach for recovery of dues will be intimated to you through a payment reminder communication and any change in details would be intimated to you thereon. List of authorised associates empanelled for handling collections are updated on the banks website for reference. | |