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Home > Mortgage Loan Interest Rates & Service Charges

Mortgage Loan Interest Rates & Service Charges

Interest Rates & Service Charges from DHFL Mortgage Loans

Most new investments often require you to take crucial decisions, in order, to acquire benefits in the long run. In cases, where you run out on funds, you could help yourself by mortgaging what’s yours. While mortgaging your assets, it is essential to select a loan which offers the best Mortgage Loan interest rate.

We, at DHFL, offer you Mortgage Loans with the best interest rates as well as offer you a Loan Against Property interest rate which can serve as a solution to almost any financial dilemma that you might be facing. Our loan schemes will also let you stay at ease during your repayment tenure.

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DHFL Mortgage Loan Interest Rates (Re-substitution charges):

Loan Type Rate of interest (Salaried /SEP/SENP)
Loan Against Plot 12.50%
Lease Rental Discount 12.50%
Loan Against Property / Top Up 12.50%

The financial worth of your home can be leveraged while enjoying continuous occupancy. A loan ranging from `15 lakh to `10 crores can be availed at a Mortgage Loan interest rate that is extremely beneficial.

Sr. No Charges Description Charges
1 Processing Fees (Non-Refundable) Salaried/Self Employed: 0.5% to 2% + Service Tax (case to case basis)
Minimum login fee *` 15, 000 + Service Tax or 1% of loan application value + Service Tax, whichever is lower
*Remaining processing fees will be collected before loan disbursement.
2 CERSAI Registry / Modification Charges ` 50 + Service Tax for loans up to ` 5 lac
` 100 + Service Tax for loans above ` 5 lac
3 Valuation Fees (for additional property or property situated outside geographic limit or for pre technical) a. Within 60 km radius: No charges
b. Beyond 60 km: ` 500 for first visit and
` 750 for subsequent visits + Service Tax
4 Valuation Fees in construction-linked loans First visit: No charges
Subsequent visits: ` 500 + Service Tax
5 Part-Prepayment Charges Rate of Interest-Type Disbursement Stage Charges Applicable
Fixed/Variable Within 6 months
from 1st disbursement
No prepayment allowed
After 6 months
Borrower/ co-borrower is Individual No Charges
Borrower/ co-borrower is other than Individual 3% + Service Tax
5 (a) Foreclosure charges Rate of Interest-Type Disbursement Stage Charges Applicable
Fixed/Variable Within 6 months from 1st disbursement No foreclosure allowed
After 6 months
Fixed/Variable Own Source No Charges
Borrower/co-borrower is individual
Variable Balance Transfer
Fixed/Variable Borrower/co-borrower is other than individual 3% + Service Tax
Balance Transfer
6 Cheque/ECS bounce charges ` 250 + Service Tax
7 Bank Charges on Cheque/ECS Bounce At actual
8 Overdue charges on default instalment (EMI/Pre-EMI) 18% per annum on the outstanding dues
9 Demand Draft/Pay Order issuance Charges ` 150 + Service Tax per lac or actual bank charges, whichever is higher.
10 Cheque/ECS swapping charges (per set) ` 250 per swap + Service Tax
11 Collection pickup charges ` 250 per visit + Service Tax
12 Conversion charges** a. 1% of principal outstanding for loans up to `75 lac
b. 1% of principal outstanding for loans above `75 lac
**
  • Conversion scheme can be availed only after 1 year from the date of disbursement.
  • Conversion scheme is not applicable for loans sanctioned under Land Loans, Easy  Land Cum Construction Loans and/or Composite Loan (for only those cases where construction is still not done) and for Surrogate Products
  • 13 Legal charges Applicable on case to case basis
    14 Non-encumbrance certificate At actual
    15 Recovery charges At actual
    16 Stamp duty/ Franking charges As per applicable law/charges of the relevant property state
    17 Duplicate no dues certificate ` 250 + Service Tax
    18 Copy of property documents ` 500 + Service Tax
    19 Statement of account/ provisional IT certificate 1st : No chargesSubsequent : ` 250 + Service Tax
    20 Custodial fee for property documents in closed loans ` 500 + Service Tax per month (post 60 days from loan closure date)
    21 Document retrieval charges on closure of loan ` 1,000 + Service Tax for loans up to ` 10 lac
    ` 2,000 + Service Tax for loans above ` 10 lac
    22 Foreclosure statement ` 500 + Service Tax
    Easy Home Loan Deposit (EHLD) – Saving Phase
    23 Cheque/ECS Bounce Charges As per the applicable Bank Rate
    24 Duplicate Certificate Charges `100 + Service Tax
    25 Duplicate Accounts Statement/Receipt `100 + Service Tax
    26 Contract Amendment Charges `100 + Service Tax
    Other Services
    27 Loan Application Form NIL
    28 Duplicate Fixed Deposit Receipt No charges for first time,
    Second time onwards: `100 + Service Tax
    29 Annual EHLD Payment Certificate No charges for first time,
    Second time onwards: `200 + Service Tax

    Every individual at some point in life comes across a situation where they need additional funds to invest in a new property or a business. For this purpose, one can avail of the various Mortgage Loans available that will help them financially.

    Avail a Mortgage Loan at attractive Mortgage Loan interest rates and leverage your property’s equity to invest in business expansion, meet capital requirements or satisfy your personal or professional requirements.

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