Deutsche Postbank Home Finance Limited

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Rate of Interest

Housing & Land Loan Segment - Floating rates
Product	Loan Amount	Entity	Appli- cable ROI	Appli- cable ROI for Land Loans	Appli- cable ROI under double whammy	Appli- cable ROI under Gross (Margin/ Gross) receipts	Appli- cable ROI under Surrogate Methods (Banking/ RTR)	Fee Appli- cable for Salaried/ Self employed
Housing & Land Loans	Upto 30 Lacs	Salaried/ SEP	8.75	9.25%	9.25( SEP cases)	9.50	N A	0.5% or 6000 whichever is less plus doc charges plus taxes
	Upto 30 Lacs	SENP	8.99	9.25%	9.50	9.75	11.25%	0.5% plus doc charges plus taxes
	Above 30 Lacs and upto Rs. 100 Lacs	Salaried/ SEP	8.99	9.50%	9.50(SEP cases)	9.75	N A	0.5% or 10000 whichever is less plus doc charges plus taxes
	Above 30 Lacs and upto Rs. 100 Lacs	SENP	9.25	9.50%	9.75	10.00	N A	0.5% plus doc charges plus taxes
	Loan greater than Rs. 100 Lacs	Salaried/ SEP	9.25	9.75%	9.75(SEP cases)	10.00	N A	0.5% or 20000 whichever is less plus doc charges plus taxes
	Loan greater than Rs. 100 Lacs	SENP	9.50	9.75%	10.00	10.25	N A	0.5% plus doc charges plus taxes

Floating Rates for the Non Housing loan segment

Non-Housing Segments - Floating rates
Product		Appli- cable ROI	Appli- cable ROI under double whammy	Appli- cabl ROI under Gross Margin	Appli- cable ROI under Surrogate Methods (Banking/ RTR)	Fee Appli- cable for Salaried/ Self employed
Non-Housing & Commercial	LARP/TOP-UP/PLUS	11.25	11.25%	11.75%	13.25*	1.00% plus doc charges plus taxes
	(LACP/LFCP/LARP) under LRD	11.25	11.25%	N A	N A	1.00% plus doc charges plus taxes
	Loan Against Plot*	14.00	14.00%	14.00%	14.00*	1.00% plus doc charges plus taxes
	Commercial (LACP/LFCP)	11.95	11.95%	12.50%	13.95*	1.00% plus doc charges plus taxes

The Scheme is valid from 7th June 2010 to 30th Sept 2010

	FIXED ROI FOR INITIAL 5 YEARS		FIXED ROI FOR INITIAL 10 YEARS
	Minimum ROI Applicable	Minimum Fee Applicable	Minimum ROI Applicable	Minimum Fee Applicable
Housing Loans (Easy Home, Build, ELCC, Land Loans and other housing loans)/Non Housing (LARP/Top Up/Easy Plus)	11.95%	1% plus doc charges plus taxes	11.95%	1% plus doc charges plus taxes
Non Housing Loans (LACP,LFCP)	14.00%	1% plus doc charges plus taxes	14.00%	1% plus doc charges plus taxes

Fixed ROI upto 31-03-2012 scheme for the Housing Loans
Housing - Fixed ROI upto 31-03-2012 with effect from 7th July 2010
Product	Loan Amount	Entity	Fixed ROI for Initial 2 Yrs	Floating ROI (After 2 Yrs)	Minimum P Fee
Housing	Upto Rs. 100 Lacs	Salaried/SEP	9.00	9.25	(0.5% or Rs. 10000 whichever is less) plus doc charges plus taxes
Housing	Upto Rs. 100 Lacs	SENP	9.25	9.50	0.5% plus doc charges plus taxes
Land Loans	INR 25 Lacs/INR 50 Lacs	Salaried/SEP	9.25	9.25	0.5% plus doc charges plus taxes
Land Loans	INR 25 Lacs/INR 50 Lacs	SENP	9.25	9.50	0.5% plus doc charges plus taxes
Scheme Validity for Fresh Sourcing and Sanction : 31st August 2010

* Condition apply.All loans at sole discretion of DPHFL.

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