Home Loan Hidden Charges - Hindi
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- เผยแพร่เมื่อ 5 ต.ค. 2024
- 15 Home Loan Hidden Charges other than interest rate charges- Explained in Hindi. Additional Charges like Home Loan Processing Fee, Transfer Charges, Prepayment or Foreclosure charges, Conversion Charges, Switching Fee, Legal Charges, Valuation Charges, Home Loan Insurance, Late Payment Charges, List of Documents, Cheque Bounce or ECS Return etc.
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You will face these charges when you take home loan from any bank - SBI, HDFC, ICICI, PNB, Axis Bank etc. or through any NBFC like DHFL, Bajaj Finance, Indiabulls etc.
होम लोन इंटरेस्ट रेट्स के अलावा भी 15 हिडन चार्जेज़ होते हैं। होम लोन प्रोसेसिंग फीस, ट्रांसफर चार्जेज़, प्रीपेमेंट या फोरक्लोज़र चार्जेज़, कन्वर्ज़न चार्जेज़, स्विचिंग फीस, लीगल चार्जेज़, वैल्यूएशन चार्जेज़, होम लोन इन्स्योरेन्स, लेट पेमेंट चार्जेज़, लिस्ट ऑफ़ डाक्यूमेंट्स, चेक बाउंस या ईसीएस रिटर्न आदि जैसे अतिरिक्त शुल्क बैंक द्वारा लिए जाते हैं।
आपको इन हिडन चार्जेज का सामना तब करना होगा जब आप किसी बैंक से होम लोन लेते हैं, जैसे - SBI, HDFC, ICICI, PNB, Axis Bank आदि। या फिर आप किसी NBFC से से होम लोन लेते हैं जैसे - DHFL, Bajaj Finance, Indiabulls आदि।
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In this video, we have explained:
What are hidden charges of a home loan?
How to negotiate or eliminate the hidden charges of home loan?
What are major home loan charges?
How to negotiate home loan processing charges?
What other charges bank apply to home loan apart from home loan interest rates?
How bank charges for home loan transfer?
When does bank take prepayment charges?
What is prepayment penalty for a home loan?
How much bank charges for property valuation?
What is home loan insurance?
How does bank charge late payment charges, EMI bounce charges, cheque bounce and ECS return charges?
What are home loan hidden charges when you take the loan from a bank?
What are home loan hidden charges when you take a home loan from NBFC?
What additional charges are applicable to home loans?
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Summary
* Processing fee. 0.25 to 1% of loan amount. Negotiate for minimum processing fee
* Legal and Technical due diligence: Lump sum fee to check property documents, site inspection and valuation
* MODT charges: 0.1 to 0.2% of home loan amount
* Home loan insurance. Is not mandatory.
* Prepayment or foreclosure charges. 2-3% prepayment penalty if it is a fixed interest loan or you are transferring loan to another bank.
* Conversion charges.
* Switching fee. To move from fixed to floating interest rate loan or vice versa
* Changing loan tenure. Fixed fee 1000 rupees
sir aapke kmse km 5-7 video me meri watch list me rkhta hi hu.. 2-3 din me vo dekh leta hu tb tk dusre 5-7 usme add ho hi jate he....
aap ke free me gyan ke liye bahot bahot shukriya🙏🏻🙏🏻🙏🏻🙏🏻
Great video! Thanks for providing so much info in short... I think you missed IGR & Cersai charges.
I am also a banker working in home loans department but i appreciate you sir for this video whatever you said is 101 percent true 👌❤️
I am also from home loans department i want to add something extra here about charges
1) kisis reason se kuch issue hota hai property me to TSR ka extra kharcha ho dakta hai .
2) resale me buy karoge to draft agreement and society ke kuch transfer fees extra ho sakta hai
3) register mortgage agar bank bolta hai kisi tarah se karne ko to uska 2 percent loan amount ka extra charges pakad lo.
Hey,
Your videos are so helpful to unlock various things about the home loan.
I have one question can you please create a video specific to choose the best bank for a home loan? and what should we remember when we deal with bank?
Sure. Will try to do that
Still waiting for it.
@@Nayan_Roy😂
Sir App Sub clearly Bathate Ho, Really All Videos Good experience, detha, Our Sir Shere Markets Mutual fonds, kha Bharem Bhatado, Hambi Sekthe Hayna 😎👍🏻
Sir vey educated. Thanks for expanding the knowledge.
I am happy that it helped you 😊
Best voice and very useful sir. NBFC and PMAY ka bhi banaye sir
Is LIC a better OPTION for home loan against Banks like SBI, ICICI, HDFC?
Always
I like and watch your channel regular basis and till now I found it's very informative thank you for all this info.....I have one question recently I bought my new home now i wanted to know is one time property insurance is mandatory while opting new home loan.
Hi, do you have a video which explains what is Retail Prime lending rate? (currently HDFC shows as 16.20%)
My dear you should transfer your loan interest paying system to repo link lending rate because nowadays repo rate is 4% and you can save enough money in interest.
Sir, can you please tell me when processing fee is charged ?
Before approval of loan or after approval ?
Dear sir, Plz make videoes on how to analysis ITR & its components to detect one's Gross income, Net income etc. How to deal with Depriciation, Agr. Income, profit & remun of partner etc. Same thing with GST etc TDS , NBFC, Foreing & Internal big investors etc.
Sir,I have been watching most of the your posted property related videos,good and brief info.I need a suggestion as well on Built up property Charges on Purchase or Transfer as Gift..
वैसे तो यू ट्यूब पर बहुत से लोग फाइनेंशियल नॉलेज दे रहे हैं।पर जैसा कोई नही।मैं अब सिर्फ आपके वीडियो देखता हूं।
Thanks for appreciation , Keep supporting :)
@@AssetYogi u r d best ! Sincerity and hardwork is on your face ! Sir do you invest on behalf of clients in real life ? M working professional in Mumbai.. please please let me know..
Can you make a video about Refinancing home loans?
Bhai ... Useful information especially who are looking for home loan
Thank you for appreciation Sikander 😊
Usefull information, thankyou so much 🌺🙏
Most welcome 😊
Thank you so much for the valuable information, Really appreciate it.
Very very thank you, please make more videos like this
Valuer kase valuation krte hai plot ya house ke...kis basis pe
Pls tell me land owner's documents available after getting possession of flat...in land owner allocation.
Sir home loan kon se bank ya finance company se le iska comparison vedio banaiye current wala🙏🙏🙏
Mene 8L ka loan liya hai mera bhi +-₹20000 lagbhag inhi chizo me chala gaya disburse hone se pehle
Payment bro accont mein Anne ke bad kat te ha ya pehle
@@sandhufarm95 sab processing fees pehle kaat lete hai bank wale fir Loan ka amount dete hai
Thank u sir very use full inforemation
Keep learning
Sir maine ek loan liya hai 8 lakh kaa SBI home loan 5 yrs pehle or mera abhi 3.50 lakh kaa EMI baki hai jo main ek saath clear kar dena chahta hu par bank wale bolte hai ki home loan insurance k 22000 rs bharna padega sir mein kya karu please help.
Sir kya home loan ka pre payment karne par emi kam hoti h?
yaa time kam hota h?
Yaa customer ki marji par depend hota h?
Best video for home loan purpose
Balance transfer me existing Bank charges lagata hai kya? Aur kitna.
Lots of knowledge as usual thanks mukul da
Sir DHFL or Axis bank Home loan up to 15 lakh which is best, yeh construction plot k uper karni hai jo already buy kiya hai.
I have a home loan from Tata Capital since April 2015, ROI (10.60%). Now they are offering to change 6.90 % by paying Rs 5900 should apply for the same.
3rd point MODT charges.. Should I pay to government or bank.?
What is mortgage creation charges.?
I have paid conversation charges on home loan 10% to 8.5% rs 2500 + S charge in Axis bank
Sbi 6.80% contact 7017755004
Sir kya home loan late time blank cheak dena padta h kya
All video ultimate and very easy for everyone
Thanks Sahaj.
Sir Mene 400000 ka home loan floating rate par ICICI se Liya Tha 12sal ke liye mare retirement tak. 12sal hone par bank ne es loan ko 24sal ka Kar diya. Interest rate badna eska Karan bataya Hai. Interest rate bhi buhut jyada Hai. Mai 6,64464 rs mai bank ko de cuka hu 12salo mai. 315172 outstanding Bata rahi Hai. Mai kya karu mai ab 60 year ka ho cuka hu.
Pls sir tell me home loan liya h to cheque kis tym milata h home ki registry vale din same day ya baad m
Sir pre emi why they cutting for 3 months ...initially
Sir please make a video on cancellation of home loan ..and how much charges we have to pay for that ?
Valuation charges के बारे मे सर बताये Bank of India
Sir hum property di resgistery pe loan ly rahe hai 20lakh ka ton jis bank c hum loan ly rahe aa phle ohne humse 3000 ly leye hai lawyer k lai aab woh 40,000 mang rehe hai keha yh dene hi padte hai
Bro 3000 ta registery charge lea hou bank ne baki Processing fees kine lagi ke pura 40k dena pea
Sir these information are very important for us, Thank you sir for this video
Yes. It is indeed very important.
Sir file charge k fees kitna lgta hai please batye 1 lac par ₹ 500 lgta hai kya ...
Please sir home loan k liye apply kiya tha ..to agent bol rha hai per lac 500 charge lgega ... Is it true
Dear sir Maine 1940000₹ ka Lon liyahe jisme muzhe compalsory 60000 ka insurance diyahe aur primum ki receipt 5 saal tak ki 9500 ki he uske liye kya karna chahiye
sir notice of intimation filing regarding loan karne ka fees bhi major charges hi
Hdfc bank charges for home loan Sanctioned 6.7% but before disbursement they changed roi as 7% due repo rate increases, can bank charges the rate of interest before discussing the loan ?
Please cover NOI charges on home loan, is it mandatory?
Thanks for such informative videos.
My pleasure
Thanks a lot sir for full detailed information, love your all content 👍🙂
Thanks Rakesh.
Sir jo loan krwata hai agent uska fees kitna hota hai vo bank deta hai ya customer deta hai or ladies k name pe loan ka interest rate kam lagta hai ky????
Franking ke uper bhi ek video banaye
Very nice and important information sir thank you very much sir
Keep learning
Apki hisab se abhi konsa loan Lena chahie fixed ya floating aur hum pri payments vi karna chahti hu
Please reply
@@pijushghosal100 floating rate se
Hello Sir your all videos are very knowledgeable, please make one video for PM Awas yojna scheme by which medium income group get benifit, I will wait for your response
We will try to cover that topic in future videos 😊
ESBTR topi for home loan. Is it mandatory while take home loan from bank.
Sir, maine home loan ke liye apply kiya tha wo sanction bhi ho gaya DD bhi ban gayi aur ab main apna loan surrender karna chahta huin , please guide me sir
Sir meri ministry ke under job aati hai , meri Ssc Stenographer ki job hai kya hamare ko koi chut milti h kya home loan me
Which bank is best for home loan?
Sir home loan lete time other than Processing fees.. 10 stamp pepar 10 bond pepar Frankien charges loan agreement notice of intimation ye sab charge bhi hote he kya?
Sir , abhi kuchh changes bhi ho Chile honge , home loan pe new video bana sakte hai kya
Thanks you so much. It was very helpful.
Glad it helped!
Loan kis bank se le SBI ya HDFC se aur kyun please reply soon
Sir how to expand service/field service network pe video banaiye plsss
Topic noted for future videos.
thank you for the video sir.
Keep learning 😊
Sir kya intrest rate mai barganing kar sakte hai bank se ya wo fix rahata hai
Me avase nbfc se lone le rhi hu 12%ki hisab se 2500000 ka lone agreement par sing Kar aue Kya savdhni rkhni hoge plz rply
Too much rate of interest
Intrest jada lga rahe ha bank
sir MODT me stamp duty or registration charges dono hota he kya? Uske baad Notice of intimation bhi karna padta he kya???
Hello Sir.i..Is NOI applicable again on top up home loan on same property and from same bank? I had sanctioned less amount previously hence going for a top up loan now
Sir ,do we need to pay any GST on interest part of home loan ??
Please let us know 🙏
Hi
We had taken home loan from Bajaj,while transferring the HL from Bajaj to any other bank,bajaj is saying that we will debit ur PMAY subsidy that is 2.68L.
When we asked regarding the reason,they are saying that u can not transfer the HL if construction is not completed within 36 months.
Currently property is in under construction.
So can u pls make video on this?
Is it true that we can not transfer the HL within 36 months?
Add video on pure home loan for house construction and for renovation purpose home loan
Please make a video about Part Period Interest (PPI) in Home Loan.
Please make a video about Part Period Interest (PPI) in Home Loan.
Great knowledge you have keep it up 👍
Thanks Abhinav
Private banks me aise hi loot te , hence sarkari bank me Lena chahiye
Sir,
Jab ham bank main kisi bhi loan ke liya jate hai to, Kya bank Wale Ye Sabhi charges ke bare main btate hai..
Sir NOI charge kitna pay krna pdega 70lakh loan par agent ne 16900 pay krne ko blo rha hai
please explain about commitment charges
Sure, topic noted.
Sir, in Telangana State the MODT stamp duty is 0.5%of the loan amount. If I am not wrong , it varies from one state to another.
Truely an eye opener video...superb
Sir, SBI Flexi pay loan, ka information key bare may video kare...
Home loan emi Collection k liye koi tips bataye pls.
Sir, maine hdfc se 1700000 lakh Housing loan liya tha aaj mera 10 lakh outstanding hain, tatha mujhe dusri property purchase karni hain lekin 2200000/- topup amt ki mujhe reqt hain waha hdfc se nahi mil rahi hain, to main waha loan dusri branch mein transfer karna chata hua tatha mujhe kis branch se yaha amount mil sakti hain.
Mudra loan ke liya kya karna hoga aur document kya dena hoga
Sir home lone ke new employrs ko problam hoti h home lone krvane me aap se riqust h ki koi letest video bnaye jisse new emploi ko aasani ho
Sir mujhe BHI home loan Lena hai koi achha sa Kam interest wala bank batayie plzz
I take SBI home loan recently, but SBI branch says property insurance and home loan insurance mandatory. Please help.
I would like to buy property 3BHK at Gera Wonder of Joy Kharadi COuld you please guide
Please Help me sir....
होम लोन का tenure ज्यादा रख के ज्यादा prepayment सही है या tenure कम रख के installment में pay करना सही है??
Spending quarantine days with asset yogi👍👍☺️
Keep learning
Yes thank you mukul sir
Thank you sir your video was very Informative ❤️ keep going
Most welcome
Lone ke sath insorensh keyse kare
Eye opener for new loan applying individual.. like me 😝
Awesome video.. thanks again sir
Best home loan kis bank ka le.
SBI ya LIC ?
Pls guide what action should be taken if someone Buy a home and now come to know home has multiple bank loans.what is legal action? What will buyer get
Sir,I have 20 lakhs amounts of home loan,now I want to pre payment 5 lakhs,should I prepay or not,I have not other loan
......
Yes you can prepay if you don't have a better investment option currently.
Thanks sir
What is the different btn floating and fixed interest rate,kindly guide us....
Thank you for such good video
It's my pleasure