|Charge Type||Charge Description|
|UPFRONT CHARGES (CHARGES BEFORE DISBURSEMENT)|
|Processing Fees||2% + GST (on the sanctioned value) to be collected before the disbursement or deducted from first disbursement|
|Non Postal Stamp / Stamp Duty||As applicable law of the State|
|Non-Encumbrance Certificate / Search Report / Verification Report||As per actual + GST|
|Valuation / Technical Fee||Rs. 2000/- + GST|
|CERSAI: At the time of disbursement: Creation of Charge||
|Log in Charges (Non Refundable)||Rs. 2000/- +GST|
|CUSTOMER SERVICE CHARGES|
|CERSAI: At the time of Modification of Charge (in case of Top-Up)||
|Pre-payment Charges||Part- Prepayment / Foreclosure of Home Loan on Variable/
Floating rate of Interest: No prepayment Charges.
Part- Prepayment/ Foreclosure of Home Loan on fixed rate of interest: No prepayment charges, if loan is foreclosed through own source.
However if the payment is made by borrowing from a bank/HFC/NBFC and/ or a Financial institution, The prepayment Charges are as follows:
|Cheque/ ECS/ACH bounce charges (Per instrument/ Transaction)||Cheque return charge of INR 500/-+ GST as applicable per instrument is payable in case of a dishonored Cheque or ECS or ACH|
|Late Payment Interest||3% Per month compound for no. of days delayed in PEMI/EMI payment|
|Duplicate No Dues Certificate||Rs. 500/- + GST|
|Copy of Property Papers||Rs. 500/- + GST|
|Charges for Missed Due Dates||Rs. 200/- + GST|
|Cancellation Charges / Fees||
|Document Retrieval Charges||Rs 500/- plus applicable taxes (GST) and/or other statutory levies|
|Duplicate Annual Account Statement/||Rs. 500/- + GST|
|Loan Prepayment / Closure (fully) statement / SOA/ repayment Schedule Charges||Rs. 500/- + GST|
|Each Personal Visit to customer’s Place for collection of Dues||Rs.250/- per visit plus applicable GST|
|Disbursement Cheque Cancelation & Reissuance||Rs. 1000/- + GST (cancellation charges) & PEMI will be charged|
|Disbursement Cancelation (Deal postponed etc.)||
|Cheque/ ECS Swapping charges (per set)|
|PDC to PDC||Rs. 1000/- + GST|
|PDC to ECS||NIL|
|ECS to ECS||Rs. 1000/- + GST|
|ECS to PDC||Rs. 1000/- + GST|
|Complaint Handling Charges||Nil|
|CHARGES AT THE TIME OF FORECLOSURE:|
|Cash Collection Charges (only FC)||Rs. 5/- per Thousand for Cash Collection + GST|
|CERSAI : At the time of
Closure :- Satisfaction of Charge
(Removal of Lien)
|Document Custodian Fees||Rs. 500/- + GST Per Month (Chargeable after 30 days of closure of the Loan Account)|
- All charges/fees to be paid through Star Housing Finance Limited Branches/ Star Housing Finance Limited Representatives by A/c payee crossed cheque in favour of "Star Housing Finance Limited."
- Cash payments to be made ONLY against valid receipt issued by Star Housing Finance Limited Branches at their office.
Star Housing Finance Limited does NOT charge any amount over and above the charges mentioned above and will NOT be liable or responsible for making payment of any amount to unauthorized persons. #Applicable GST or Govt Taxes (Service Tax or GST or any other Tax ) will be charged extra along with above mentioned charges as applicable.