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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

Micro Housing Loan
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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उत्पाद समीक्षा
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