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Housing Loans
Consumer Housing Loans Tariff (effective 08.08.2024).
Housing Loans | |
| Application fee | Rs. 5,000 (Non refundable) |
Loan Amount | Bank Fee (Excluding VAT) |
| Equity and Normal Housing Loans | |
| Below 3Mn | Rs. 32,500 |
| 3–6Mn | Rs. 42,500 |
| 6–10Mn | Rs. 65,000 |
| 10 – 20Mn | Rs. 90,000 |
| 20Mn and above | Rs. 110,000 |
Under construction condominium purchase | |
| Below 5Mn | Rs. 70,000 |
| 5–10Mn | Rs. 75,000 |
| 10 – 20Mn | Rs. 80,000 |
| 20 – 30Mn | Rs. 85,000 |
| 30Mn and above | Rs. 90,000 |
Topup Loans | ||
| Without ancillary documents support | Below 3Mn | Rs. 20,000 |
| 3–6Mn | Rs. 25,000 | |
| 6–10Mn | Rs. 30,000 | |
| 10 – 20Mn | Rs. 40,000 | |
| 20Mn and above | Rs. 45,000 | |
| With ancillary documents support | Below 3Mn | Rs. 30,000 |
| 3–6Mn | Rs. 35,000 | |
| 6–10Mn | Rs. 40,000 | |
| 10 – 20Mn | Rs. 50,000 | |
| 20Mn and above | Rs. 55,000 | |
| Bank fee is inclusive of the Bank processing fee and legal fee. Legal fees will be subject to applicable VAT. | ||
| Part / Full settlement fee | 5% of the settlement capital or Rs. 10,000, whichever is higher. |
| Penalty interest | Settlements allowed only after 36 months from the loan disbursement date. |
| Penal interest rate of 2% p.a., over and above the normal interest rate for the portion in arrears until settled. Capital outstanding not yet due will be charged at the agreed rate. As per Central Bank directive ref: O2/17/600/002/001 dated 26 July 2013. | |
| Late payment fee | Rs. 900 |
| Change of interest rate type (Fixed to Variable) | Restructure fee of Rs. 1,500 |
| Restructure / reschedule / due date change requests | Rs. 1,500 |
| Standard letter issuance | Rs. 1,000 |
| Customized letter issuance (excluding standard letters) | Rs. 4,000 |
| Non-salary / Standing Instructions remittance fee (breach of agreed repayment mode) | Rs. 2,500 (Monthly) |
- The aforesaid fee table includes only bank charges. Any other applicable fees, including but not limited to legal, stamp duty, valuation, inspection and RMV, will be charged as appropriate.
- Please note that Nations Trust Bank PLC (the “Bank”) retains the right, at its sole discretion, to amend or add to the above fee table, from time to time. Such amendments or additions will be communicated to customers by statement messages or by display on the notice boards of the Bank or by any other means, the Bank deems fit. Such amendements or additions will be effective from the date of notice.