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 9 - 18.25%.

REFERENCE RATE

Reference Rate (“RR”) of Capri Global is 17.50% w.e.f 01-Apr-2023

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 1st May 2023.

Sl.No

Details of Fees Charged

Charges Applicable exclusive of GST

i.

ON APPLICATION

Application Fees (IMD) – Non-refundable

For HL & HE Topup: Up to Rs. 3,500/-+GST
For HE: Up to 50 Lacs: Rs. 3,500/- & Above 50 lacs: Rs. 4720/-

Stamp Duty Charges & MOE Charges

On Actuals

ii.

FROM DISBURSEMENT

Processing Fees

For HL & HE Topup: Rs. 2000/-+GST
For HE: 0.1% of Loan amount(rounded off to nearest multiple of 50)

CERSAI charge creation

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

Document Handling and Administrative Charges

For HL & HE Topup:
1. Salaried Profile – 1.00 to 1.75%
2. SEP/ SENP, HE Topup & RR Products
A. Upto Loan 10Lacs - 2.00%
B. More than 10 Lacs: 1.50%
3. Sahaj Loans All Schemes - 2.00%
For HE Products: Upto 2.5%+GST

Legal Opinion Charges per collateral

For HL & HE Topup: 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 loans)

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)

Loan Type

Pre-payment

Borrower / co-borrower

Foreclosure charges / penalty

Charges

Housing

Pre-payment or closed from Own source

Not applicable

NIL

Housing

Pre-payment or closed from other than own source

Applicable

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

Non-Housing

Pre-payment or closed from any source

Applicable

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)

Loan Type

Purpose

Borrower / co-borrower

Foreclosure charges / penalty

Charges

Housing

Business Purpose

Applicable

Charges on pre-payment made of amount up to 25% of Principal Outstanding is NIL, Once in any Financial Year
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.
Part Prepayment amount to be minimum 3 EMI equivalent amount.

Housing

Other than business purpose

Non-individual

Applicable

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

Housing

loan sanctioned to individual borrowers with or without co-obligants

Not applicable

NIL

Non-Housing

Business Purpose

Applicable

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

Non-Housing

Other than business purpose

Non-individual

Applicable

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

Non - Housing

loan sanctioned to individual borrowers with or without co-obligants

Not applicable

NIL

All applicable fees & charges are subject to levy of GST and any other tax/ surcharge as applicable and payable in addition to the fees/ charges. All Charges stated above are subject to change at the discretion of CGHFL.

The above charges are applicable w.e.f. 1st May 2023

For details terms & conditions of the loans under CGHFL, please refer attached the MITC in below links