General Terms and Condition

Most important terms and conditions of our loans.

Place of Agreement	Branch Address
Date of Agreement	Date of Agreement
Product Type	Home Loan / Loan Against Property
Name of the borrower	Borrower Name
Name of the Co-applicants / Guarantor	Co-Borrowers / Guarantors Name
Address of Borrower	Customer Communication Address
Branch of Shubham	Branch Address
Loan Amount	Sanction Loan Amount
Base Rate	14.5% p.a.
Type of Interest Rate	Floating
Re-pricing Frequency	Monthly or as and when required
Applicable Interest Rate	Product Type	Rate of Interest
	Home Loan	11.9% to 16%
	Home Improvement Loan	17% to 18%
	Loan against Property	15% to 19%
Penal Interest Rate	2% p.m. on overdue EMI/Pre-EMI
Type of Instalment	Equated
Due Date	4th or 10th every month
EMI	Same as mentioned in sanction letter
Pre - EMI
Mortgaged Property/Security/Collateral	Property Address

Term/Tenor (In Months)/No. of EMIs	Same as mentioned in sanction letter
Charges:
Administrative and Operational Costs-At Disbursal (Non- Refundable) (inclusive of Applicable taxes)	Loan Amount		At the time of disbursement
	Uptp 3 lacs		Rs 9500 + GST
	>3 lacs to 6 lacs		Rs. 13500 + GST
	>6 lacs to 10 lacs		Rs. 18000 + GST
	>10 lacs to 12 lacs		Rs. 27000 + GST
	>12 lacs		Rs. 27000 + 3% of the loan amount over and above 12 lacs + GST
	Includes charges that the company has to pay for verification including legal review and valuation pertaining to your loan. This is a non-refundable amount.
Administrative and operational cost- at login additional* * to be taken only if customer has identified the property and wish to pay upfront	Rs. 3600/-only (inclusive of GST).
Administrative and Operational Costs - At Login	Products		At the time of Login (inclusive of taxes)
	Housing		4000
	Non-Housing		4500
	This amount is payable along with the submission of the complete application form and other relevant documents required to ascertain your eligibility. This is a non-refundable amount and is collected upfront irrespective of whether your loan has been sanctioned.
CERSAI CHARGE (Non-Refundable) (inclusive of Applicable taxes)	Rs.50 + Applicable GST if loan amount upto Rs.5 Lakhs and Rs.100 + Applicable GST if loan amount above Rs.5 Lakhs.
GENERAL INSURANCE PREMIUM (Non-Refundable) (inclusive of Applicable taxes)	Actual
Health Insurance Premium (Non-Refundable) (inclusive of Applicable taxes)	Actual
Life Insurance Premium (Non-Refundable) (inclusive of Applicable taxes)	Actual
Duplicate Statement (per Statement)	Rs. 250 + GST
EMI Payment instrument Swapping Charges	Rs. 500 + GST
Duplicate Interest Certificate	Rs. 250 + GST
Copy of property documents	Rs. 500 + GST
Cheque/ ECS/ NACH/ SI bounce charges	Rs. 500 + GST
Partial Prepayment
Late Payment Interest	NIL
Property Swapping Charge	Rs. 3000 only + GST
Foreclosure statement charges	Rs. 500 only + GST
Custodial Fee for property documents in closed loans	Rs. 500 per month (post 60 Days from Loan Closure Date) + GST

Duplicate No Dues Certificate	Rs. 250 only + GST
List of Documents	Rs. 250 only + GST
Valuation fee in Construction Linked Loan cases	First visit: No charges. Subsequent visits: Rs 500 + GST
Valuation fee for property revisit	Rs 1500 only + GST
Document retrieval charges on closure of loan (excluding maturity closure)	Rs 1000 + GST
Re valuation charge for NPA cases	Rs 1350 + GST
Legal Charges	As per actual
End use / Purpose of loan	Purchase of Residential property
Use of Property	Vacant
Mode of repayment	PDC Electronic Mode
Additional search charges* * to be charged in case of delayed disbursement	Up to 1000/-* + GST * depends on the SRO
Nesl data submission	50/- + GST

Note:- Above fee and charges are exclusive of Applicable Taxes (GST) or any other govt taxes, levies etc and subject to change and will be at sole discretion of Shubham Housing Development Finance Company Ltd.

In case disbursement is not availed then Administrative and Operational Cost-plus Interest paid (if any) is non-refundable.

The interest calculation is on 360 days for all years during the loan tenure and monthly interest calculation is on 30 days for all months

For Full disbursal loans- Pre – Emi will be charged in the first month after disbursal which will be interest from the date of disbursal till the end of that particular month. The EMI as stated in the above table will commence from the subsequent month.

For Tranche disbursal loans. Pre EMI will be charged till full disbursal is made or 12 months from the month of disbursal, whichever is earlier. The EMI as stated in the above table will commence from the subsequent month.

If the borrower does not receive any response for the complaint within 7 working days, he can send an email to or write to:

Office of the CEO
Shubham Housing Development Finance Company Ltd.
Shubham House, 425,
Udyog Vihar, Phase-IV
Gurugram, Haryana-120015

In case any customer is not satisfied with the resolution provided by Shubham, then he may approach the Complaint Redressal Cell of National Housing Bank by lodging his complaint

a.in Online mode at the link https://grids.nhbonline.org.in

b.in offline mode by post, in prescribed format available at link http://www.nhb.org.in/Grievance-Redressal- System/LodgingComplaint-Against-HFCs-NHB%E2%80% 93Physical-Mode.pdf, to

Complaint Redressal Cell,
Department of Regulation & Supervision,
National Housing Bank,
4th Floor, Core 5A, India Habitat Centre,
Lodhi Road, New Delhi – 110 003