DHFL Home Loan

Is there any one who can provide information about Interest Rates and Charges for DHFL Home Loan? What are account factors required for Home Loan?

[Shaleen]

As you want to know about Interest Rates and Charges for Home Loan at DHFL, so here I am giving following information:

The actual Home Loan amount is determined taking into various account factors such as:

Repayment Capacity
Age
Stability and continuity of income
Co-applicant’s income
Liabilities
Saving habits, and more
Educational qualifications
Assets
Number of dependents

Home Loan Interest & Service Charges for DHFL Home Loans
Loan Amount Entity Applicable ROI DHFL (Salaried /SEP /SENP)
Up to ` 30 Lacs Salaried / SEP 10.25%
SENP 10.75%
Above ` 30 Lacs to ` 75 Lacs Salaried / SEP 10.50%
SENP 11.00%
Above ` 75 Lacs to ` 150 Lacs Salaried / SEP 10.50%
SENP 11.50%
Loans above ` 150 Lacs to ` 300 Lacs Salaried / SEP 10.75%
SENP 12.00%
Loans above ` 300 Lacs Salaried / SEP 11.00%
SENP 12.75%

Charges
Salaried/SEP
Loans upto 30 Lacs- Rs. 5000/- + Doc Charges + Taxes
Loans above 30 lacs and upto 75 lacs – Rs. 10000/- + Doc Charges + Taxes
Loans above 75 lacs – Rs. 20000/- + Doc Charges + Taxes

Min Log In Fees
Rs. 2500 or applicable PF whichever is lower + Taxes

SENP
PF for SENP (Net PAT) – 0.5% + Taxes
PF for SENP (Others) – 1.5% + Taxes

Min Log In Fees
Rs. 2500 or applicable PF whichever is lower + Taxes

CERSAI Registry / Modification Charges
250/ + Service Tax for loans up to ` 5 Lacs
500/ + Service Tax for loans above ` 5 Lacs.

CERSAI Satisfaction Charges Nil

Technical Fee
(for additional property or property situated outside geographic limit or for pre technical) A. Within 60 Km radius – Nil
B. Beyond 60 Km – ` 500 for first Visit and ` 750 for subsequent Visit.
Valuation fee in Construction Linked Loan cases No charges for first visit. After first visit all other visit will be charged at ` 500 per visit

Cheque/ECS Bounce Charges As per applicable Bank Rate
Overdue Charges on default instalment (EMI/Pre-EMI) 18% Per annum on the outstanding dues
Demand Draft/Pay Order issuance Charges 150 per lac or actual Bank Charges, whichever is higher + Service Tax
Cheque/ECS Swapping Charges (per set) 250 per swap
Each Personal Visit to customer’s place for collection of dues ` 250 per visit + Service Tax

Conversion Charges
2500 + Service Tax for loan up to 75 lac
5000 + Service Tax for loan above 75 lac

Complete Details about Interest Rate and Charges for DHFL Home Loan