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Home Loan Fees & Charges
Sammaan Capital offers competitive processing fees for home loan approval, along with additional charges for transactions like balance transfer. Other fees include dishonored payment, late payment, document retrieval, and specific property-related activities.
Stage
Fee / Charge Description
Charges
Pre-disbursement
Processing Fees
0.50% onwards of loan amount
Post-disbursement
Technical /Valuation and Legal opinion charges, SRO search charges, ROC search charges, non-encumbrance certificate from SRO charges
Rs. 2,500 (plus applicable taxes and other bona fide levies, if any)
Transaction handling charges in balance transfer / resale home loans
Rs. 1,500 (plus applicable taxes and other bona fide levies, if any)
Cheque / NACH / ECS dishonour charges
INR 500
Late payment charges
24% per annum of outstanding EMI
Repayment Mode/ Account Swap charges
Rs.500
Property Swap Charges (Swapping is at discretion of lender)
Rs.10000
Charges for Reissuance of pay order/disbursement cheque revalidation
Rs.500
Foreclosure statement Charges
Rs.500(Nil if requested once in quarter)
List of Documents
Rs.1000(Nil if requested within initial 6 months of 1st disbursement)
Penal Charges
In case of payment defaults - 24% (twenty four percent) per annum on outstanding of EMI/ Pre-EMI. In case of other defaults/Event of Default - 2% (two percent) per annum on the outstanding amount of loan
Retrieval charges for Copies of loan /property document in IB custody
Rs.750
Charges for Physical Statement Of Account / Amortization Schedule.
Rs.200
Registration Charges for Borrowers ECS Mandate (loan repayment)
NIL
Income tax certificate in home loans
NIL
Compliant handling charges
NIL
Charges for certified true copies of title deeds from SRO, if applicable.
As per actual
Stamping charges of loan agreement
As per actual, subjected to state laws - to be borne by the borrower
Stamping charges of other legal documents like indemnity bond, legal undertakings, legal affidavits, personal guarantee bond, power of attorney for NRI home loans etc.
As per actual, subjected to state laws - to be procured by the borrower
Original property documents retrieval for specific activity like production at SRO or development authority (on borrower request)
Rs 5,000 (plus applicable taxes and other bona fide levies, if any)
Database admin fee
Rs 650 (Inclusive of plus applicable taxes and other bona fide levies, if any
ROI switch fee Home Loan
As per Standard Switch Grid as available on request(plus applicable taxes and other bona fide levies, if any)
Charges for non-collection of property documents beyond 30 days from the date of full repayment / settlement of the Loan
INR 500/- per month or part thereof
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All applicable fees & charges along with the associated taxes shall levy and other bona fide levies (if any), which in case payable, are to be paid in addition to the applicable fees/charges.
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