Foreclosure Charges: How to Avoid Pre Closure Charges?

  • Business Loans
  • 1 Years ago
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Guide for Foreclosure Charges

Foreclosure Charges

A commonly asked question among borrowers is whether there are any disclosure charges associated with their borrowing. Let us first understand what loan foreclosure is; it is the repaying the entire amount due in a single payment instead of repaying the borrowed amount in EMIs as per the original agreement. Let us understand this question in detail.

Everything You Need to Know About Foreclosure Charges

How Much are Disclosure Charges?

Loan closing charges depend on the outstanding principal amount and the remaining tenure. Typically, the greater the principal amount and the remaining tenure, the higher are the loan closure charges. With Shriram City Union Finance, disclosure charges are between 3% and 6%.

Is There a Lock-in Period before Closure?

All lenders have a lock-in period before allowing the borrowers to close the close. With Shriram City, customers can opt for closure any time after the first 6 months. After paying their 6th monthly instalment, borrowers become eligible to pay off their dues.

How is Foreclosure Different from Prepayment?

Prepayment refers to a partial payment of the amount due. Suppose you have a loan of INR 10 lacs and you decide to pay INR 5 lacs after 10 months, you still owe the remaining amount to the bank. Prepayment reduces the total outstanding amount due. Borrowers can benefit from the reduced outstanding amount in two ways:

1) By reducing their monthly EMI

2) By reducing the tenor.

However, in the case of a foreclosure, the entire amount due is repaid, and you no longer owe any money to the bank.

What are the Legal Rules Around These Charges?

Most people want to know whether banks are allowed to charge for the premature closing of a loan. The Reserve Bank of India (RBI) has barred non-banking finance companies from charging these charges on individuals’ loans. This restriction applies to borrowings, such as mortgages. However, RBI has allowed banks and NBFCs to charge penalties on the closing of business and personal loans.

Why do I Have to Pay Charges?

When lenders give a business credit, they expect to earn a certain interest on their principal. Remember, lenders have individual costs associated with raising and disbursing funds, and they expect a certain amount of compensation in return. A foreclosure affects the amount of income they are hoping to earn on their principal. A penalty helps them offset some of the lost interest income due to the agreement’s premature closing.

Does disclosure Affect a Borrower’s Credit Ratings?

Yes, it can positively affect the borrower’s credit ratings.

Anything Else I Should Know?

Borrowers should consider the following before opting for a closure:

  • Foreclosure amount.
  • Their source of funds for repayment - They should ensure they are not borrowing at a higher interest than the interest payable on their current borrowing.
  • The lock-in period before which you cannot close your amount due - In the case of Shriram City, the lock-in period is the first 6 months of disbursement.

Calculating Disclosure Charges: An Example

These charges are calculated based on the following information:

Let us understand this with an example. Note that the numbers are only for illustrative purposes. Contact Shriram City Union Finance to know the exact charges.

You have taken a business loan of INR 20,00,000 for 36 months at an interest rate of 15%. After paying 8 EMIs, you decide to opt for closure. In this case, your foreclosure month is the 9th month.

Here are how your charges will look like:

Foreclosure details

INR 14,21,737

Monthly EMI

INR 55,661

Interest saved

87%

Foreclosure amount

INR 22,08,973

Foreclosure details are the amount you will have to pay to close your loan. In this case, the amount works out to around INR 14,21,737. This amount also includes the additional charges related to the closure. Since you have already been paying EMIs for 8 months, your liability has been reduced.

In this process, you will save 87% of the interest payable during the tenor. If you had not opted for closure, you would have paid interest over the entire life of the loan. Since you have decided for closure in the 9th month, this amount reflects the interest saved for the remaining 27 months (36-9 = 27). You have already paid EMI for 8 months, and thus you have already paid 13% of the total interest due on this borrowed amount.

The foreclosure amount is the amount you are repaying in total. This includes the amount included in details (INR 14,24,737) plus the interest and principal you have already paid for the first 8 months.

Foreclosure Charges with Shriram City Union Finance

With Shriram City Union Finance, foreclosure charges are between 3% and 6%. Here are the steps involved in knowing the exact charges and foreclosing the loan.

Find Your Nearest Branch:

Closing a loan involves the physical submission of documents and thus cannot be done online. The first step is to find the nearest branch of Shriram City Union Finance. You can find the branch by clicking on the locate us option.

Shriram City Branch Locator Shriram City Branch Locator

Once you are on this page, you can locate your nearest branch based on your locality’s postcode or your state and your city.

Shriram City Branch Locator Shriram City Branch Locator

Make an Application

Once you visit the branch, you need to submit a written application for loan foreclosure. The officials will give you a timeline by finding the exact charges on your amount due and the total repayment amount.

Submit the Necessary Documents

You will need to submit the documents required by the bank. You should check the exact requirement of documents in your branch, but here are some commonly required documents:

  • Proof of identity (e.g., PAN card, Aadhar card, passport or driving license)
  • Related documents (e.g., loan agreement)
  • Details of your account with Shriram City (e.g., loan account number)
  • Latest bank statements of the account used for paying EMI. This serves as proof of paying the last EMI and that it has been cleared from your bank

Paying the Required Amount

You should check the amount payable for foreclosure. The amount shared by the bank will also include the additional charges. Once you know the amount, you can pay the amount through check or online transfer.

Receiving Closing Documents

Once the bank receives the amount from you, they will complete any foreclosure formalities. These will include providing documents such as:

  • An acknowledgment letter
  • A loan closure certificate
  • A certificate confirming you no longer owe anything to the bank

Business Loans from Shriram City

Shriram City Union Finance is India’s leading NBFC with a legacy of 45 years. Over the years, many micro, small, and medium enterprise businesses have benefited from Shriram City’s business loans. Businesses have availed funds for diverse needs such as investing in infrastructure, machinery, equipment, and other requirements related to growing their business. With a network of 900+ branches all over the country, Shriram City Union Finance business loans can be availed easily at your doorstep.

Call now on 1800 103 6369 to know more about our business loan offerings.

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How Does Business Loan Work

  • May 23 2022
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  • Loans

Important points to consider before taking a Two Wheeler Loan

  • Oct 27 2021
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  • Two Wheeler Loans

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
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  • Business Loans

Choosing the right Two Wheeler Loan based on interest rate

  • Dec 09 2021
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  • Two Wheeler Loans

Two Wheeler Loan: Complete Details on Eligibility Criteria

  • Feb 23 2021
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  • Two Wheeler Loans

Eligibility for Two Wheeler Loan

  • Sep 11 2020
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  • Two Wheeler Loans

Commercial Vehicle loan for Bikes

  • Jul 27 2021
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  • Two Wheeler Loans

Gold Loan Vs Credit Card

  • May 23 2022
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  • Gold Loan

Features and Benefits of Two Wheeler Loan

  • May 21 2021
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  • Two Wheeler Loans

Bonds vs Fixed Deposit

  • May 23 2022
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  • Fixed Deposit

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

How To Allocate Funds Efficiently After Receiving an SME Loan?

  • Oct 20 2021
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  • Business Loans

Market Trends & Developments of Two Wheeler Loan Segment in India

  • Jul 24 2021
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  • Two Wheeler Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
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  • Two Wheeler Loans

Two Wheeler Loan Processing Fees and Other Charges

  • Apr 08 2021
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  • Two Wheeler Loans

Is a Two-Wheeler Loan Eligible for Tax Redemption?

  • Apr 21 2021
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  • Two Wheeler Loans

NRI Loan: Apply for Two Wheeler Loan in India

  • May 21 2021
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  • Two Wheeler Loans

How to Apply for Two Wheeler Loan Online

  • Sep 11 2020
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  • Two Wheeler Loans

Two Wheeler Loan Repayment Tips

  • Jul 26 2021
  • |
  • Two Wheeler Loans

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
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  • Fixed Deposit

Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
  • |
  • Two Wheeler Loans

Your two-wheeler loan options are endless with Shriram Finance

  • Feb 24 2021
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  • Two Wheeler Loans

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
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  • Two Wheeler Loans

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
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  • Two Wheeler Loans

Apply for Two wheeler Top Up Loan

  • Jul 26 2021
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  • Two Wheeler Loans

Interest Rate Charged on a Two Wheeler Loan

  • Mar 29 2021
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  • Two Wheeler Loans

Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
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  • Two Wheeler Loans

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
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  • Two Wheeler Loans

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
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  • Two Wheeler Loans

How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
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  • Two Wheeler Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
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  • Two Wheeler Loans

Loan For Women Entrepreneurs

  • May 23 2022
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  • Loans

Premature Withdrawal of Recurring Deposit

  • May 23 2022
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  • Recurring Deposit

Is there any TDS on Recurring Deposits?

  • Jul 30 2021
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  • Recurring Deposit

Who Should Consider Investing in a Recurring Deposit?

  • Jul 20 2021
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  • Recurring Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
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  • Recurring Deposit

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
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  • Recurring Deposit

Advantages and Disadvantages of Recurring Deposit Account

  • May 23 2022
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  • Recurring Deposit

Are recurring deposits covered by insurance?

  • Jul 15 2021
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  • Recurring Deposit

What is the Recurring Deposit Scheme offered by Shriram City?

  • Jul 19 2021
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  • Recurring Deposit

What are the Various Installment Frequencies and Payment Methods available for Recurring deposits(RD)?

  • Jul 30 2021
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  • Recurring Deposit

Is it possible to set up a recurring deposit online?

  • Jul 30 2021
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  • Recurring Deposit

What are the most attractive features of the Shriram City Recurring Deposit?

  • Jul 16 2021
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  • Recurring Deposit

What makes a fixed deposit different from a recurring deposit

  • Jul 08 2021
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  • Recurring Deposit

12 Things You Must Know About Senior Citizen Fixed Deposit Scheme in India

  • Jul 12 2020
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  • Fixed Deposit

सीनियर सिटीजन के लिए फायदेमंद है एफडी, बिना जोखिम मिलता है हाई रिटर्न

  • Oct 21 2020
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  • Fixed Deposit

What is the Difference Between Fixed Deposit and Recurring Deposit?

  • Dec 09 2021
  • |
  • Fixed Deposit

Why should I invest in Shriram City's recurring deposit?

  • Jul 19 2021
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  • Recurring Deposit

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
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  • Recurring Deposit

What is the minimum and maximum investment amount for Shriram City Recurring Deposit?

  • Jul 16 2021
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  • Recurring Deposit

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
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  • Recurring Deposit

What are the risks of putting money into a Recurring Deposit?

  • Jul 15 2021
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  • Recurring Deposit

Tips for Students and Professionals on Recurring Deposits

  • Dec 10 2021
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  • Recurring Deposit

Recurring Deposit : - Five problems, one solution

  • Feb 04 2022
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  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
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  • Recurring Deposit

Get started with minimum investment on recurring deposit

  • Nov 29 2021
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  • Recurring Deposit

Why‌ ‌are Recurring‌ ‌Deposits‌ ‌helpful‌ ‌to‌ ‌small‌ ‌businesses?‌

  • Jan 24 2022
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  • Recurring Deposit

Loan against FD

  • May 23 2022
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  • Fixed Deposit