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