Place of Agreement |
Branch Address |
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Date of Agreement |
Date of Agreement |
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Product Type |
Home Loan / Loan Against Property |
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Name of the borrower |
Borrower Name |
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Name of the Co-applicants / Guarantor |
Co-Borrowers / Guarantors Name |
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Address of Borrower |
Customer Communication Address |
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Branch of Shubham |
Branch Address |
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Loan Amount |
Sanction Loan Amount |
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Base Rate |
14.5% p.a. |
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Type of Interest Rate |
Floating |
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Re-pricing Frequency |
Monthly or as and when required |
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Applicable Interest Rate |
Product Type |
Rate of Interest |
|
|
Home Loan |
11.9% to 16% |
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Home Improvement Loan |
17% to 18% |
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Loan against Property |
15% to 19% |
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Penal Interest Rate |
2% p.m. on overdue EMI/Pre-EMI |
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Type of Instalment |
Equated |
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Due Date |
4th or 10th every month |
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EMI |
Same as mentioned in sanction letter |
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Pre - EMI |
|
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Mortgaged Property/Security/Collateral |
Property Address |
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|
|
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Term/Tenor (In Months)/No. of EMIs |
Same as mentioned in sanction letter |
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Charges: |
|
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Administrative and Operational Costs-At Disbursal (Non- Refundable) (inclusive of Applicable taxes) |
Loan Amount |
At the time of disbursement |
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Uptp 3 lacs |
Rs 9500 + GST |
|||
>3 lacs to 6 lacs |
Rs. 13500 + GST |
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>6 lacs to 10 lacs |
Rs. 18000 + GST |
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>10 lacs to 12 lacs |
Rs. 27000 + GST |
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>12 lacs |
Rs. 27000 + 3% of the loan amount over |
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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. |
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Administrative and operational cost- at login additional* |
Rs. 3600/-only (inclusive of GST). |
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Administrative and Operational Costs - At Login |
Products |
At the time of Login (inclusive of taxes) |
||
Housing |
4000 |
|||
Non-Housing |
4500 |
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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. |
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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. |
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GENERAL INSURANCE PREMIUM (Non-Refundable) |
Actual |
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Health Insurance Premium (Non-Refundable) (inclusive of Applicable taxes) |
Actual |
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Life Insurance Premium (Non-Refundable) (inclusive of Applicable taxes) |
Actual |
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Duplicate Statement (per Statement) |
Rs. 250 + GST |
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EMI Payment instrument Swapping Charges |
Rs. 500 + GST |
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Duplicate Interest Certificate |
Rs. 250 + GST |
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Copy of property documents |
Rs. 500 + GST |
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Cheque/ ECS/ NACH/ SI bounce charges |
Rs. 500 + GST |
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Partial Prepayment |
|
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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 |
|
|
Up to 1000/-* + GST |
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
OR
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