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Indiabulls home loan

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About Indiabulls home loan

Indiabulls home loans has been one of the most prominent loan products in the market since its inception in 2005

Eligibility

  • Age of the applicant should be 21 years when loan is applied for and 65 years when the loan period ends
  • The applicant should be earning a regular
  • income,either salaried or self employed

Interest Rate

12 %

Processing Fee

0.33 %*

Tenure

30 years

Preclosure

%*

Fee And Charges Indiabulls home loan

Personal Loan Fee TypeCharges
Processing Fee0.33 %*
Tenure30 years

Other Charges

  • No charges for prepayment incase the loan is preclosed from own sources
  • Any partial or full prepayment from other sources during fixed interest rate period of the loan will attract prepayment fees of 2% of the amount prepaid
  • No prepayment charges applicable for all payments upto 25% of the principal outstanding(POS) including all prepayments made within preceeding 12 months
  • If prepayment amount exceeds 25% of the principal outstanding(POS) including all prepayments made within preceding 12 months, then the excess prepaid amount of 25% of POS will attract pre-payment as applicable
  • Preclosure/Foreclosure fee is applicable on forclosure payments including all prepayments made within preceding 12 months
  • Transaction handling charges in balance transfer/Resale home loans: INR 2500
  • Technical valuation charges:NIL, included in processing fee
  • PDC/ECS dishonor charges: INR 500/-(home loan),NIL on ECS/PDC
  • Late payment charges: 24% per annum of outstanding EMI
  • PDC/ECS swapping charges: NIL
  • Retrieval charges for copies of loan/porperty document in IB custody: INR 500
  • Charges for statement of account/Amortization schedule: INR 200
  • Registration charges for borrower's ECS mandate(loan repayment): NIL
  • Income tax certificate in home loans: NIL
  • Complaint handeling charges: NIL
  • Charges for certified true copies of title deeds from SRO, if applicable: As per actual
  • Stamping charges of loan agreement: As per actual
  • Stamping charges of other legal documents: As per actual
  • Original property documents retrieval: INR 5000
  • Database admin fee: INR 650

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