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Loan Interest Rate
Processing Fees
Loan Amount of Property value
Prepayment / Foreclosure Charges
| Loan Type | Interest Rate Range | Max Loan Amount | Max Tenure | Processing Fee | Part-Prepayment Charges |
|---|---|---|---|---|---|
| Loan Against Property (General) | 8.75 – 11 | ₹25 crore | 15 years | Up to 2% of loan amount | 2.50% (Fixed), Nil (Floating) |
| Loan Against Property (Salaried) | 8.75 – 11 | ₹25 crore | 15 years | Up to 2% of loan amount | 2.50% (Fixed), Nil (Floating) |
| Loan Against Property (Non-Salaried) | 0 – 0 | ₹25 crore | 15 years | Up to 2% of loan amount | 2.50% (Fixed), Nil (Floating) |
| Construction Loan (Fixed-Rate) | 8.75 + margin | ₹25 crore | 15 years | Up to 2% of loan amount | 2.50% of prepaid amount |
| Construction Loan (Floating-Rate) | 8.75 + margin | ₹25 crore | 15 years | Up to 2% of loan amount | Nil (RBI mandate for floating rate) |
| NRI Home Loan | At par with general LAP rates | ₹25 crore | 15 years | Up to 2% of loan amount | As per floating/fixed structure |
| Home Extension Loan | 8.75 – 11 | ₹25 crore | 15 years | Up to 2% of loan amount | 2.50% (Fixed), Nil (Floating) |
| Balance Transfer Loan | 8.75 – 11 | ₹25 crore | Remaining tenure up to 15 years | Up to 2% of loan amount | Nil (RBI mandate for floating rate) |
| Home Improvement Loan | 8.75 – 11 | ₹25 crore | 15 years | Up to 2% of loan amount | 2.50% (Fixed), Nil (Floating) |
| Commercial Property LAP | 8.75 – 11 | ₹25 crore | 15 years | Up to 2% of loan amount | 2.50% (Fixed), Nil (Floating) |
| Residential Property LAP | 8.75 – 11 | ₹25 crore | 15 years | Up to 2% of loan amount | 2.50% (Fixed), Nil (Floating) |
| Green Discount Eligible LAP | 8.75 – 11 less 0.10% to 0.25% | ₹25 crore | 15 years | Up to 2% of loan amount | Nil (if floating rate) |
| Loan Amount (₹) | Interest Rate | Tenure (Years) | Monthly EMI | Total Interest Payable | Total Repayment Amount |
|---|---|---|---|---|---|
| 30,00,000 | 8.75 | 10 | ₹39,645 | ₹17,60,000 | ₹47,60,000 |
| 30,0,000 | 8.75 | 15 | ₹32,238 | ₹28,00,000 | ₹58,00,000 |
| 30,00,000 | 8.75 | 20 | ₹28,950 | ₹39,50,000 | ₹69,50,000 |
| 50,00,000 | 8.75 | 15 | ₹44,322 | ₹29,78,000 | ₹79,78,000 |
| 50,00,000 | 8.75 | 20 | ₹39,876 | ₹45,70,000 | ₹95,70,000 |
| 75,00,000 | 8.75 | 15 | ₹66,483 | ₹44,67,000 | ₹1,19,67,000 |
| 75,00,000 | 8.75 | 20 | ₹59,814 | ₹68,55,000 | ₹1,43,55,000 |
| 1,00,00,000 | 0 | 15 | ₹88,644 | ₹59,56,000 | ₹1,59,56,000 |
| 1,00,00,000 | 0 | 20 | ₹79,752 | ₹91,40,000 | ₹1,91,40,000 |
| 1,50,00,000 | 0 | 20 | ₹1,19,628 | ₹1,37,10,000 | ₹2,87,10,000 |
| Fee Type | Charge | Applicability | Notes |
|---|---|---|---|
| Part-payment and pre-closure charges (fixed-rate loans) | 2.50% of the prepaid amount | For fixed-rate loans sanctioned since January 1, 2026 | No charges for floating-rate loans |
| Prepayment/Pre-closure charges | None | For loans advanced to individual borrowers for non-business purposes, sanctioned before January 1, 2026 | Also applies to Micro and Small Enterprises on floating rate loans sanctioned since January 1, 2026 |
| Penal charge for non-submission of valid property insurance policy | 0.05% of Loan Sanction Amount | If property provided as collateral is not insured | Property must be insured at all times |
| Loan administration fee (loan declined) | ₹2,000 (or the fee paid by the client, whichever is lower) | If the loan application is declined | Balance amount would be refunded. No refund if the loan is sanctioned. |
| Processing fees | 2% | Loan Against Property | Mentioned in context of a ₹15 crore loan amount |
| Prepayment penalty | Modest amount (varies) | Pre-closing loan account | Varies depending on loan amount and interest rate. No fees for partial prepayments on floating interest loans. |
| Processing fees (general LAP range) | 0.5% to 2% of the loan amount | Loan Against Property applicants | As per 2026 industry benchmarks for LAP products |
| Documentation charges | Up to ₹2,360 | LAP applicants | Covers administrative costs for document verification |
| Bounce charges | ₹1,500 per bounce | For EMI dishonor | Applicable per instance of failed EMI payment |
| Foreclosure charges | As per loan tenure and rate type | Applicable on full loan closure before maturity | Nil for floating-rate loans; up to 2.50% for fixed-rate loans |
| Part-payment fees | 1% to 2% | Partial prepayment on fixed-rate LAP | Charged on the amount prepaid; not applicable on floating rates |
| Initial login fee | Covers valuation and legal search costs | At application stage | One-time charge for property and title assessment |
| Feature | Deutsche Bank LAP (Floating Rate) | Deutsche Bank LAP (Fixed Rate) | Industry Average (NBFCs/HFCs) |
|---|---|---|---|
| Interest Rate Range | 0 – 0 | 0 – 0 + 1.5–2.5% premium | 8.75 – 8.75 p.a. |
| Prepayment Charges | Nil (RBI mandate for floating rate) | 2.50% of prepaid amount | Up to 4.72% (varies by lender) |
| Processing Fees | 0.5% – 1.5% of loan amount | 0.5% – 1.5% of loan amount | Up to 3.54% + GST |
| Loan Tenure | Up to 20 years | Up to 15 years | 15–25 years |
| Loan-to-Value (LTV) Ratio | Up to 75% | Up to 70% | 50% – 75% |
| Part-Payment Fees | Nil | 2.50% of amount prepaid | 1% – 2% (commonly charged) |
| EMI Bounce Charges | ₹1,500 per bounce | ₹1,500 per bounce | ₹500 – ₹1,500 per bounce |
| Green Discount Eligibility | 0.10% – 0.25% (IGBC-certified property or sustainable upgrades) | 0.10% – 0.25% | Not widely offered |
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