Housing loan Help for 2024
ලගදි Housing loan එකක් දැම්ම කව්රු හරි ඉනන්වද
මම නිකන් බැලුව ,දාන්න කලින් website වල තියන details , service charge දැක්කම personal loan එකක් දාන එක හොදයි කියල හිතෙනවා
මෙච්චර කැපෙන්නේ නැහැ නේද personal loan වල
| Housing Loan Charges | ||
|---|---|---|
| Processing Fee | 0.5% of Loan Amount Minimum LKR 10,000.00 to Maximum LKR 200,000.00 | |
| Mortgage Bond | Loan Amount | |
| 1. Up to LKR 5,000,000 | 1% of Loan amount - Minimum LKR 5,000.00 | |
| 2. LKR 5,000,000 up to LKR 25,000,000 | ||
| LKR 5,000,000 | LKR 50,000.00 | |
| LKR 5,000,001 up to LKR 25,000,000 | LKR 50,000 + 0.5% on the remaining balance | |
| 3. LKR 25,000,000 and above | ||
| LKR 25,000,000 | LKR 150,000.00 | |
| LKR 25,000,0001 and above | LKR 150,000/- + 0.25% | |
| VAT | Mortgage Charges x 15.00% | |
Mortgage Bond Total = Mortgage Charges + VAT | ||
| Valuation Fee | Depends on Valuation + Travelling Charges e.g. If Loan Amount = LKR 2,000,000/-,Valuation Fee = LKR 2,000/- + travelling charges | |
| Title Search Charges | As applicable by the respective lawyers who are outsourced and employed by the bank | |
| Stamp Duty | Purchase or Construction of a House - Below LKR 3,000,000/- | No Charges |
| Purchase or Construction of a House - Above LKR 3,000,000/- | 0.1% of Loan Amount | |
| For Transfer deeds - Up to LKR 100,000/- | 3.0% of Transfer deed value | |
| For Transfer deeds - Above LKR 100,000/- | 4.0%of Transfer deed value | |
| Insurance Policies | Title Insurance Policy | On evaluation requirement. |
| Mortgage Policy | Mandatory | |
| Fire Insurance | As per valuation |
