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APTUS VALUE HOUSING FINANCE INDIA LIMITED

Schedule of Charges

Charge Type Charge Description
UPFRONT CHARGES (CHARGES BEFORE DISBURSEMENT)
Processing Charges 2% + GST (on the sanctioned value). 1% to be collected at the time of sanction and the balance 1% to be collected/deducted at the time of disbursement
Stamp Duty Tamil Nadu & Puducherry – Rs. 300/- + GST
Andhra Pradesh, Telangana & Karnataka – Rs. 600/- + GST
Valuation / Technical Report Rs. 1000/- + GST – 1st Disbursement
Rs. 500/- + GST – for each subsequent disbursement
Legal Report Rs. 1000/- + GST(for loan upto Rs. 10 Lacs)
Rs. 2000/- + GST( for loan more than Rs. 10 Lacs)
CERSAI : At the time of Disbursement : Creation of Charge Rs. 250/-+GST (for loan upto Rs. 5 Lacs)
Rs. 500/- + GST (for loan more than Rs. 5 lacs)
CUSTOMER SERVICE CHARGES
Part payment Charges Non Housing Loan – 4% on part payment/advance payment + GST
Pre-Closure Charges Housing Loan:
Floating Interest Rate – Nil charges
Fixed Interest Rate –
Own Source – Nil charges
Loan Transfer - 4% of Principal outstanding + GST

Non Housing Loan:
4% of the Principal outstanding + GST
No Pre-Closure of Loan for first 12 months
Cheque / ECS / ACH Bounce charges (Per Instrument / Transaction) Cheque/ECS/ACH return charge of INR Rs. 500/- + GST per instance
Penal Interest Delayed EMI Payment 3% p.m. for number of days delayed in PEMI / EMI payment
Document Copy Charges Rs. 500/- + GST
Disbursement Cancelation PEMI/EMI collected upto loan cancellation date will not be refunded
MODT cancellation Charges Rs. 1000/- + GST
Closure Statement / SOA / Amortization chart Charges Rs. 250/- + GST per request
Field Visit Charges Rs. 250/- per visit + GST
CHEQUE / ECS SWAPPING CHARGES (PER INSTANCE)
PDC to PDC Rs. 1000/- + GST
PDC to ECS Nil
ECS to ECS Rs. 1000/- + GST
ECS to PDC Rs. 1000/- + GST (on exceptional basis only)
Cash Collection Charges Rs. 5/- Per Thousand of Cash collection + GST
Document Custodian Fees Rs. 500/- + GST per Month (Chargeable after 30 days of closure of the Loan Account)

Note:- *The Govt. Of India has implemented the Good & Service Tax (GST) effective from 1st July, 2017. Consequently, the Service Tax rate (including cess) 15%, as applicable to the products & services rendered by financial institutions, has been replaced by the GST rate of 18%.

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