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Consumer Assets

Consumer Assets	Truck Loans	Housing Loans - Customer	Home Equity Loans
Loan Processing Charges	NIL	0.50% of Loan Applied for subject to a min. of Rs.5000/=	2% of Loan Applied for subject to a min. of Rs.5000/=
Prepayment Charges	2% on prinicipal outstanding	Part-prepayment--Nil-- Loan Foreclosure 1% of (o/s. principal as on the date of foreclosure + unscheduled part-prepayments during 12 months past from the date of foreclosure)	Part-prepayment 2% of amount prepaid. Loan Foreclosure 2% of o/s. principal as on the date of foreclosure.
No due Certificate	NIL	NIL	NIL
Solvency Certificate	Not Applicable	Not Applicable	Not Applicable
Charges for late payment of EMI	2% per month penal interest on over dues	Delay Payment Charge 1.50% p.m. on the amount overdue for the number of overdue days.	Delay Payment Charge 1.50% p.m. on the amount overdue for the number of overdue days.
Charges for changing from fixed to floating rates of interest	Not Applicable	Only Floating Rate Loans	Only Floating Rate Loans
Charges for changing from float to fixed rates of interest	Not Applicable	-do-	-do-
Cheque Bounce Charges	Rs.250 + Service Tax	Rs.250 + Service Tax	Rs.250 + Service Tax

Consumer Assets	NRI Housing Loans	Education Loan	IPO Funding	Personal Loans	Advance Against Demat Shares
Loan Processing Charges	0.50% of Loan Applied for subject to a min. of Rs.5000/=	NIL	0	2%	Rs. 500/- per account for fresh as well as for renewal
Prepayment Charges	Part-prepayment--Nil-- Loan Foreclosure 1% of (o/s. principal as on the date of foreclosure + unscheduled part-prepayments during 12 months past from the date of foreclosure)	NIL	0	5%	NIL
No due Certificate	NIL	NIL	0	NIL	NIL
Solvency Certificate	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable
Charges for late payment of EMI	Delay Payment Charge 1.50% p.m. on the amount overdue for the number of overdue days.	2% p.a. penal interest on over dues	0	2% per month penal interest on over dues	2% p.a. penal interest on over dues
Charges for changing from fixed to floating rates of interest	Only Floating Rate Loans	NIL	NA	NA	NA
Charges for changing from float to fixed rates of interest	-do-	NIL	NA	NA	NA
Cheque Bounce Charges	Rs.250 + Service Tax	0	0	Rs.500 + Service Tax	0

ING Limited

- Last updated 13/06/08

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