1. Interest Chargeable

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Product Interest Rate Type of Interest Rate Tenure (In months) Min – Max. Admin Fee (Exclusive of GST)
Home Loan 11.00 % to 18.00 %* Floating or Fixed or Semi - Fixed 60-300 upto 2.5%
Non Home Loan 14.00% to 18.00%* Floating or Fixed or Semi - Fixed 60-120 upto 2.5%

 

2.    On Application

Sr. No Description Charges
1 Processing Fees Upto Rs. 5,000/-
2 Admin Fees Upto 2.5% of loan amount
3 CERSAI Fees Rs. 300/- 
4 Collateral Evaluation Charges Upto Rs 10,000/-  (for loans >Rs 300 lacs)
5 Multiple Collateral Evaluation Charges Rs. 3,000/- per additional collateral
6 Legal & Technical charges

Rs. 3000/- for All Types HL/ P+C / LAP / Resale Units / First Sales - Non APF

Rs. 1500/- for Completed Units - First Sale / Under Construction - APF
7 Subsequent Technical Charges Rs. 500/- per visit 
8 Stamp Duty Charges On actuals
9 PDC/ ECS/ ACH Dishonour Charges Rs. 500/- per instance
10 Penal Charges 36% p.a. of outstanding EMI
11 Retrieval charges for Copies of loan/ property document in EHFL custody Rs. 750/- per instance
12 Account Statement Charges Rs. 500/- per instance
13 Charges if RM goes to applicant’s place for Cash collection Rs. 500/- per instance Rs. 500/- per instance

14

 Conversion of ROI from Floating to Fixed at the end of Fixed tenor in Semi Fixed Loans 0.50% of loan amount or Rs. 10,000/- whichever is higher

15

SOA Charges 

Rs. 500/- per instance

16

Repayment Swapping Charges 

Rs. 500/- per instance 

17

Duplicate NOC 

Rs. 500/- per instance 
18 List of Documents Rs. 500/- per instance 
19 Documentation Handling & Storage Charges Rs. 2000/- per docket / per disbursement
All applicable fees & charges are subject to levy of GST + Surcharge is payable in addition to the fees / charges.

 

3. On Foreclosure

Sr No Individual Non-Individual
1 Prepayment charges to be Nil in Floating Rate Loans Prepayment charges for amount upto 25% of Principal Outstanding to be Nil in any Financial Year. All pre-payments made within last 12 months to be included to decide the total pre-payment amount and corresponding charges applicable
2 Prepayment charges to be Nil during the Floating ROI tenor of Semi-Fixed rate Loans Prepayment charges (part/ full) to be 5% upto 24th month from the date of 1st disbursal
3 Prepayment charges to be Nil during the Fixed ROI  tenor  of  Semi-Fixed  rate  Loans;  provided same is prepaid from Own Funds Prepayment charges (part/ full) to be 3% from 25th month onwards from the date of first disbursal
4 Prepayment  charges  norms  for  Non-Individual Loans  to  apply  to  Individual  Loans  if  loan  is prepaid during the Fixed ROI tenor of Semi-Fixed rate loans from other than “Own Funds” Part-prepayment amount to be minimum 3 EMI equivalent amount
Part-repayments allowed 4 times in any Financial Year, once every quarter.
The above mentioned charges / fees are as on date of the loan agreement and are subject to change from time to time. For latest updated details of applicable fee and other charges, please refer to the EHFL’s official Website. All applicable fees & charges are subject to levy of GST and Surcharge, and is payable in addition to the fees/ charges.
Fee Refundable if loan not sanctioned / disbursed: Application Fee paid by customer for availing the loan is non-refundable

 

* The methodology adopted by the Easy Home Finance Ltd  to decide Rate of Interest is primarily based on Cost of Funds, Cost of Capital, Operating Cost and internal & external credit score.  Easy Home Finance Ltd , while deciding a rate on a borrower level, further factors in specific variables like tenor of the proposed loan, profile of prospective Borrower, type of  loan, quality & value of security offered, loan amount, commercial feasibility etc. 

* In the foregoing tables, a range of standard rate of Interest have been given. For a borrower, actual rate of interest will be based on the factors mentioned in the preceding paragraph. Thus, the applicable Rate of Interest may be different for different borrowers.  Easy Home Finance Ltd   periodically reviews matrix of applicable rate of interest based on its cost of funds, operation cost, market conditions and competition.