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Instant Home Loan Fees & Charges
Following are all the fees and charges applicable while availing the loan
Charges and Fees
| Loan type | Instant Home Loan |
|---|---|
| Loan Processing Charges / Renewal Charges | 0.25 % + AT* |
| CIBIL Report Charges | Rs. 50 + AT* |
| Administrative Charges | Rs. 5000 + AT* or 0.25% + AT (whichever is lower) |
| ICICI Group | NIL |
NOTE: AT* - Applicable taxes
Pre-Payment Charges
| Types of Pre-Payment Charges | Charges |
|---|---|
| Floating Rate of Interest | NIL |
NOTE:
- Pre-payment charges mentioned above are applicable on full repayment of loan
- Applicable only for Non-Individual borrowers(Private Ltd , Public Ltd ,Partnership Firms , Proprietorship firms , HUF)
- Nil charges on part pre-payment of the loan
- Charges will be calculated on the principal outstanding on the loan closure date
- If the borrower/s makes full prepayment within one year of part prepayment , the full prepayment fees shall be applicable on amount prepaid to foreclose the loan and on all amounts tendered by the Borrower/s towards prepayment of the facility during the last one year from the date of final prepayment
Conversion Charges
| Floating to Floating | Dual Fixed Rate to Floating | Floating to Dual Fixed Rate | Lifetime Fixed to Floating |
|---|---|---|---|
| 0.5 % of the Outstanding + applicable taxes | 0.5 % of the outstanding + applicable taxes | 0.5 % of the outstanding + applicable taxes | 1.75 % of the outstanding + applicable taxes |
Other Charges
| Repayment Mode Swap Charges | Rs. 500 |
|---|---|
| Documents Retrieval Charges | Rs. 500 |
| Cheque / AD / ECS / Bounce Charges | Rs. 500 |
| Duplicate No Objection Certificate / No Due Certificate | Rs. 100 |
| Revalidation of No Objection Certificate | Rs. 100 |
| Late payment chargers - Home Loan | 2 % Per Month |
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