Essay About Cent Home Loan Plus And Loan Amount

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RETAIL ADVANCES ANNEXURE IV
(Rate of Interest w.e.f. 05.02.2011)
SCHEME
Rate OF INTEREST %
Base Rate %
Spread %
Effective Rate %
(a+b)=(c)
Processing Charges
Direct Housing Finance
0.50 % of loan amount, maximum Rs.20,000/-
i) upto Rs.30 lacs
a) upto 5 years tenure
+0.50
10.00
b) 5 to 10 years tenure
+ 0.75
10.25
c) 10 to 25 years tenure
+ 1.00
10.50
ii) above Rs.30 lacs
a) upto 5 years tenure
+ 1.25
10.75
b) 5 to 10 years tenure
+ 1.50
11.00
c) 10 to 25 years tenure
+ 1.75
11.25
Cent Home Loan Plus – 1% ABOVE THE APPLICABLE HOUSING LOAN RATE
Rs.500/- per proposal
Cent Buy
+ 3.75
13.25
Rs.200/- per proposal
Loan to Pensioner
+ 4.00
13.50
Cent Swabhimaan
+ 2.00
11.50
0.15% of loan amt, min. Rs. 500/- and max. Rs.10,000/-
Cent Swabhimaan Plus
+ 1.50
11.00
Same as above
Personal Loan to Corporate Employees
+ 4.00
13.50
Rs.500/- per proposal
Personal Loan to Non Corporate Employees
+ 5.00
14.50
Rs.500/- per proposal
Loan to Teachers
+ 2.75
12.25
Rs.500/- per proposal
Loan to LIC Agents
+ 4.00
13.50
Rs.250/- per proposal
Cent Vehicle
a) New vehicles repayable within 36 months
+ 2.00
11.50
Rs.500/- per proposal for 2 wheeler
b) New vehicles repayable beyond 36 months
+ 3.00
12.50
Rs.2000/- per proposal for 4 wheeler
c) Second hand vehicles
+ 4.00
13.50
Cent Vehicle- TATA Vehicle:
Upto 36 months
+ 1.50
11.00
Rs.2000/- per proposal for 4 wheeler
> 36 months to 60 months
+ 2.00
11.50
> 60 months
+ 3.00
12.50
Cent Vidyarthi – Studies In India / Abroad
i) Male
+ 2.00
11.50
ii) Female/ SC/ST Candidates /
IIT/IIM
+ 1.50
11.00
Executive MBA
+ 4.00
13.50
Rs.10,000/- lump sum
Special Loan Scheme for IIM students
Male Students
+2.25
11.75
Female, SC,ST, Minority Community Students
+1.75
11.25
Cent Trade
+ 3.00
12.50
Upto Rs. 25,000/- : NIL
More than Rs.25,000/- up to Rs. 2 lakh: Rs. 250/- per proposal.
– More than Rs. 2 lakh upto Rs. 50 lakh: 0.5% of loan amt
Cent Vyapari
+ 3.00
12.50
Rs. 1000/- per proposal
Cent Rental
1% of the loan amount subject to min. of Rs.5,000/- and max. of Rs.2.00 lakh.
i) Loan upto 3 years
+ 5.00
14.50
ii) Loan above 3 years
+ 6.00
15.50
Cent Computer
+ 5.00
14.50
Rs.100/- per proposal
Cent Liquid
+ 4.00
13.50
1% of loan amt, min. Rs. 500/-
Cent School
+ 3.00
12.50
Cent Jewel
+ 2.00
11.50
Rs.500/- per proposal
Cent Vivah
+ 2.00
11.50
Cent Safar
+ 4.00
13.50
Rs.1000/- per proposal
Cent Suvidha
+ 4.00
13.50
Cent Doctor
0.5% of loan amount Maximum Rs.10,000/-
i) For equipments/working capital
+ 2.25
11.75
ii) For construction of clinic
+ 2.50
12.00
Cent Mortgage
Irrespective of Tenor and Facility
+ 4.50
14.00
Cent Personal – Gold Loan
0.5% of the loan amount plus applicable Appraiser Fee.
Overdraft
+3.00
12.50
Demand Loan
+4.00
13.50
Cent Comp-Exam
Rs.200/-
i) Male
+4.00
13.50
ii) Female, SC, ST, Minorities
+3.50
13.00
Cent Mortgage-Educational Institute
+4.50
14.00
TL: 0.50 % of loan amt., max. Rs.20,000/-Overdraft : 0.50 % of loan amt., max. Rs.10,000/-, Renewal max. Rs.2000/-
RETAIL ADVANCES ANNEXURE IV
(Rate of Interest w.e.f. 05.02.2011)
SCHEME