#1
26th February 2016, 09:40 AM
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State Bank of Hyderabad Plot loans
Hello sir, I am VVS Laxman. I am from Hyderabad. I want you to help me by providing me some information about the State bank of Hyderabad home/ plot loans. Give me various details about it.
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#2
26th February 2016, 10:18 AM
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Re: State Bank of Hyderabad Plot loans
As you have asked about the State bank of Hyderabad home/ plot loans, I am giving you information about it Eligibility : Individual(s) over 18 years of age with steady source of income, including persons engaged in agriculture & allied activities. Amount of Finance : Maximum loan amount will be lowest of loan amount assessed on the basis of the under noted 3 options(a.b.c) below: a) Project cost which may include cost of land, house/ flat, cost of additional amenities related with said house/ flat, registration charges, stamp duty, property insurance, service tax and other statutory dues, if any, less applicable margin. b) Permissible EMI/ NMI ratio. c) Maximum Permissible Loan to Value(LTV) ratio. Processing fee : Up to Rs. 25.00 lacs- 0.25% of loan amount subject to minimum of Rs.5,000/- Above Rs. 25.00 lacs to Rs. 75.00 lacs- Rs.6,500/- Above Rs. 75.00 lacs- Rs.10,000/- Equitable Mortgage Charges : Upto 1Lakh – NIL Above 1 Lakh – Rs. 200/- per lakh. Max: Rs. 11,200/- CERSAI – Amount of Fee Payable : Rs. 500/- for creation. Other Charges : Lawyer’s, Valuer’s fee etc to be borne by the borrower on the basis of actual cost Margin: Loan Amount For House/ Flats under construction New House/ Flats for ready possession Old House/ Flats for ready possession Upto 20 Lakhs 15% 15% 15% Above 20 Lakhs 20% 20% 20% |