उत्पाद विवरण
बैंक का नाम
ESAF Small Finance Bank
अधिकतम ऋण अवधि
Up to 20 years.
अधिकतम ऋण राशि
Up to 20 lakh.
ब्याज दर
For Floating: 10.76% to 18.35% per annum. For Fixed: 12.75% to 26% per annum.
प्रकार
Both
अग्रिम भुगतान
LTV Ratio of 80%.
फीस और शुल्क
Processing fees- 2% of the loan amount plus GST.
Pre-payment charges: NIL for floating interest rate. 2% plus GST for fixed loans.
Late payment charges: Rs 100 to Rs 5000 per instance of EMI default.
Legal charges: At actuals.
Stamp Duty and registration charges: At actuals.
न्यूनतम CIBIL स्कोर
Not specified by the bank.
डाउन पेमेंट और शुल्क
Micro Housing Loan
विशेष लक्षण
None
पात्रता मापदंड
Age: 18-65 years at the time of loan sanction, should not exceed 70 years at loan closure.
Domicile status in the area (No. of years): 3 years.
Adequate cash flow to meet the proposed loan EMIs.
Co-applicant is required.
विशेष रियायत
None
होम सेवर विकल्प
No
विशेषताएं, पात्रता और रियायत
पेशेवरों
Available at both Fixed and Floating rates of interest.
दोष
Very high interest rate.
Maximum loan amount of Rs 10 lakhs only.
पक्ष विपक्ष
Application Procedure
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