MOST IMPORTANT TERMS AND CONDITIONS (MITC) The Most Important Terms and Conditions (°MITC") of the loan between the Borrowerls and Housing Development Finance Corporation Ltd., a Company incorporated under the Companies Act, 1956 and having its registered office at Ramon House, HT Parekh Marg, 169, Backbay Reclamation, Churchgate, Mumbai - 400 020 (hereinafter refered lo as “HOFC") are mentioned below and are to be read in conjunction with the terms contained in the Offer Letter and the Loan Agreement and any other document(s) (hereinafter collectively referred to as the "Transaction Documents’) which you have executed (jaintly and severally ‘as may be applicable) with HDFC, The MITC mentioned herein is indicative and not exhaustive, The nature andior quantum of the feesichargesilevies mentioned herein may undergo reviewimadification at the time of actual application, as per the then prevailing policies of HOFC in compliance with regulatory guidelines, as may be updated by HDFC in is MITC from time to time, The Borrower shall be required to Keep himseltherself updated of such changes through our website wiu.hdfe.com For product features, checklists, calculators, new home loan inquires, existing Customer portal and other ntifcatons visit our website wwatdfe.com or download KDFC Home Loans App from Playstore/ AppStore. For lan specific details pertaining tothe loan amount, interes ates and repayment details, refer tothe schedule ofthe Loan Agreement andor the Ofer Ltr. 1. Fees and Other Charges |A. Various fees and other charges - as applicable on application! during the term of loan! conversion charges for switching from floating to fixed interest and vice-versa and penalty far delayed payments, are as under ‘sr | Name of the ProductService Name of Fee! ] When Payable] Frequency] Amount in Rupees No Charge levied 1 | Fees tor Resident Housing Loan! Extension | Processing Fees | At (Once | Upto 0.50% ofthe oan amount er Rs. 3000- House Renovation Loan’ Reance of Aoplcation whichever higher + apocable Housing Loon Plt Loan er Housing taxes statuary levis (Salaied, Sal Employed Proessiona ininur Renton Amount 50% of pplebl feos ar Re. S000-+appcable taxes levies whichever higher 2 | Fees for Resident Non Housing Loan! Processing Fees | At Once | Upto 0.50% ofthe oan amount or Rs. 450 Extension Non Housing Renovation Loan Aoplcation whichever higher + appcabe Refinance of Norousng Loan Prot Loans taxes sary lvls {or Nor-Housing (Salaried, ll Employed inimum Renton Amount Professionals) 50% of applicable fe ors. 4500 + applicable taxossatutory loves hienveris higher 23. | FeesforResdent Housing Extension ProcessngFees | At Once | Upto150%ofteLoanamountorRs. 4500 enovaton! Reteancl Plot ans fr Sell Poplication whichever higher pplcable tgs Employed Non Professionals. stator vis irimum Retanon Ameurt 50% of applicable es or Rs. 4501. “appleatletxesaoy levis whichever higher 4 | Fees or Top-Up Loan & HOFC Now (Saari | Processing Fees | AL (Once | Upto 0.50% of the Loan amount or Rs, 300 Sef Employes Pretssionas) Poplication whichever higher plead taxes | statutory levis, ininur Reanten Amount 50% of sppltl fees or Rs. 3000-+appatle taxes loves whichever higher 5 | FeestorTop-Up Loan &HOFC Now (Set | Processing Foes | At (Once | Upto S0%of the Loan amount or Rs 800 Employed Non Profesional) Aoplcaton whlchovaris higher» appleable axes story levis irimum Renton Amour 50% of applicable fea ors. 4500 ‘apples taxes levies whichever igher