Fees & Charges

View the table below for a detailed breakdown of the loan application fee and the loan processing fee.

View the table below for a detailed breakdown of the loan application fee and the loan processing fee.

CUSTOMER TYPE

RATES

Salaried / Self Employed

Attractive Rate Of Interest in the range of 7.99% - 16.00%

REFERENCE RATE

Reference Rate (“RR”) of Capri Global is 16.00%

Disclaimer: Interest rates mentioned above are variable in nature & is linked with RR of the company which is decided from time to time. It is further dependent on risk profile of customer - professional qualification, stability in earnings and employment, past repayment track record with us or other lenders, external ratings of customers, credit reports, customer relationship, future business opportunities and type of collateral offered etc. All loans are from Capri Global Housing Finance Ltd. Credit at sole discretion of Capri Global Housing Finance Ltd. Terms and conditions apply

Home Loan / Home Equity TARIFF CARD / FEES & CHARGES GRID - Applicable from 10th Sept, 2020

Sl.No

Details of Fees Charged

Charges Applicable exclusive of GST

i.

ON APPLICATION

Application Fees (IMD) – Non-refundable

Rs. 3,500/

Stamp Duty Charges & MOE Charges

On actuals

ii.

FROM DISBURSEMENT

Processing Fees

Rs. 2,000/-

CERSAI charge creation

Rs. 50/- for loans < Rs. 5 lacs and
Rs. 100/- for loans > Rs. 5 lacs

Document Handling and Administrative Charges

SalariedCat A – 1.00%
Salaried Cat B – 1.00%
Salaried Cat C – 1.50%
SEP/SENP - loan up to 10 Lacs– 2.00%
SEP/SENP - Above 10 Lacs – 1.50%
Sahaj Loans All Schemes - 2.00%

Legal Opinion Charges per collateral

Rs. 2,500/-

Legal Handling Charges (only in Balance Transfer / Resale loans)

Rs. 1,500/-

Valuation Charges

Rs. 2,000/

Subsequent Valuation Charges (only in construction cases)

Rs. 500/-

Document Verification Charges (FCU)

Rs. 750/-

Income Estimation Charges (LIP)

Rs. 1,750 (where applicable)

ROC Lien updation Charges

Rs. 2,500 (where applicable)

iii.

DURING THE TERM OF LOAN

Loan Cancellation Charges

Rs.5,000/

Loan Rebooking Charges

Rs. 2,500/-

PDC/ ECS/ NACH Dishonour Charges

Rs. 500/- per instance (Home Loans)
Rs. 750/- per instance (Home Equity)

Default / Late Payment Interest Rate

36% p.a. of outstanding dues

Collection Charges (Applicable only in cases of collection executive visits)

Rs. 350 per visit

Repayment Swapping charges

Rs.500/

Duplicate No dues certificate

Rs.500/

Foreclosure & Any other type of Statement Charges

Rs. 500/-

List of Documents Retrieval Charges (LOD charges)

Rs.1100/- per instance

Copy of Property Papers Retrieval Charges

Rs.1000/- per instance

Document Retrieval Charges (Any Other not mentioned above)

Rs. 500/- per instance

Recovery (Legal / Possession & Incidental Charges)

On Actuals

ROI Conversion Charges / Switch Fees / Retention Fees

@Rs. 500/ for each Rs. 1.00 lac of loan amount irrespective of the % reduction in ROI.

iv.

PREPAYMENT CHARGES (FIXED RATE TENOR OF SEMI-FIXED LOANS)

Individual Loans

Non-Individual Loans

A.

Charges on pre-payment made of amount up to 25% of Principal Outstanding is NIL, Once in any Financial Year

B.

All part prepayments made 12 months prior to the full payment of the loan will be charged at the applicable full prepayment rate at the time of prepayment.

C.

Prepayment charges applicable as applicable on “Non – Individual Loans”.

Prepayment charges (part/ full) to be 5% up to 24th month from the date of last disbursal

Prepayment charges (part/ full) to be 3% from 25th month from the date of last disbursal

v.

PREPAYMENT CHARGES (FLOATING RATE TENOR OF SEMI-FIXED LOANS) AND (FLOATING LOANS)

Individual Loans

Non-Individual Loans

A.

No foreclosure charges/pre-payment penalties to be levied on any floating rate home loans sanctioned to individual borrowers.

Charges on pre-payment made of amount up to 25% of Principal Outstanding is NIL, Once in any Financial Year.

B.

Prepayment charges to be NIL in Floating rate loans if the co-borrower(s) in the loan is/are of individual entity.

All part prepayments made 12 months prior to the full payment of the loan will be charged at the applicable full prepayment rate at the time of prepayment.

C.

If non-individual entity is/are co-borrower in the loan, then the prepayment charges to be levied as per the slab mentioned for “Non – Individual Loans”

Non-Individuals entity covers Sole Proprietorship Firm / Partnership Firm / LLP / Company / Society/ HUF etc.

Prepayment charges (part/ full) to be 5% up to 24th month from the date of last disbursal.

Prepayment charges (part/ full) to be 3% from 25th month onwards from the date of last disbursal.

The Standard TAT for Issuing Foreclosure and List of Documents (LOD) to customer is 45 days from the date of Request

All charges stated herein are exclusive of G.S.T. as applicable from time to time. All Charges stated above are subject to change at the discretion of CGCL. The above charges are applicable w.e.f. 16th Aug 2021.