|
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 25 Lacs
|
Salaried/
SEP
|
10.25 |
10.50
|
10.25 |
10.25( SEP )
|
N A
|
0.5% or 6000 whichever is less plus doc charges plus taxes (Salaried) AND 0.5% plus
doc charges plus taxes (SEP)
|
|
SENP
|
10.75
|
11.00
|
10.75 |
11.00
|
12.00
|
0.5% plus doc charges plus taxes
|
|
Above 25 Lacs and upto Rs. 75 Lacs
|
Salaried/
SEP
|
10.50 |
10.75
|
10.50
|
10.75( SEP)
|
N A
|
0.5% or 10000 whichever is less plus doc charges plus taxes (Salaried) AND 0.5%
plus doc charges plus taxes (SEP)
|
|
SENP
|
11.00
|
11.25
|
11.00
|
11.25
|
N A
|
0.5% plus doc charges plus taxes
|
|
Loan greater than Rs. 75 Lacs
|
Salaried/
SEP
|
11.00
|
11.25
|
11.00
|
11.25( SEP)
|
N A
|
0.5% or 15000 whichever is less plus doc charges plus taxes (Salaried) AND 0.5%
plus doc charges plus taxes (SEP)
|
|
SENP
|
11.50
|
11.75
|
11.50
|
11.75( SEP)
|
N A
|
0.5% plus doc charges plus taxes
|