Home Loan Prepayment: Charges, Rules & Benefits

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Individual Borrower

Floating Rate Loan

Fixed or Dual Rate Loan

No prepayment or foreclosure charges are applicable for partial or full prepayments on floating rate home loans.

Prepayment charges of 2% of the prepaid amount may be applicable for partial or full prepayment during the fixed interest rate period, unless the prepayment is made from the borrower’s own sources.
No prepayment charges are applicable once the loan transitions to a floating interest rate after the fixed rate period.

Non-Individual Borrower

Floating Rate Loan

Fixed or Dual Rate Loan

No prepayment or foreclosure charges are applicable for partial or full prepayments on floating rate loans.

Prepayment charges of 2% of the prepaid amount may apply during the fixed interest rate period or as specified in the loan agreement.
No charges are applicable once the loan moves to a floating interest rate after the fixed period.

Pre-payment / Foreclosure Charges

Important Notes

No lock-in period for prepayment

Charges may vary based on loan agreement

Applicable taxes will be levied as per regulatory guidelines

Why Choose Sammaan Capital

Sammaan At Our Core And Actions Sammaan Capital stands as a trusted partner, respecting and nurturing millions of dreams of home and business. With us, every handshake is a promise, and every loan a foundation of respect for uniting dreams with opportunities for all.

WE'VE HELPED OVER

1.4 Million+ users

with their Home Loan requirements

Leading Mortgage-Focused

NBFC in India

200+

Offices Nationwide

10k+

Approved Projects

25+ Years

Housing Finance Expertise

Real Stories From Real Home Loan Customers

4.7 /5

Minimal paperwork, maximum trust

Sammaan Capital helped me get my required loan amount with minimal paperwork and very little guarantee from my side.

Prakash, 42 Years Old

Aurangabad

4.8 /5

Quick approvals for the home you deserve

Sammaan Capital helped me buy a 2BHK home. The loan process was very easy with very less paperwork and was approved in really quick time.

Saurabh, 34 Years Old

Bangalore

5 /5

Trust that fuels business growth

Sammaan Capital trusted my journey and approved my required loan amount with limited funding. I sincerely thank Sammaan Capital for believing in me and helping my business grow.

Komal, 42 Years Old

Delhi

5 /5

A home, built on trust and support

Sammaan Capital fulfilled mine as well as my parents’ long‑standing wish of owning a home with ease. Their team was supportive, transparent, and handled the entire process smoothly without unnecessary hassle

Davinder, 42 Years Old

Aurangabad

5 /5

Turning your own land into a happy home

Sammaan Capital helped us to build our own house on our own land without any stress. The loan process was very easy and the employees were very supportive to process my loan.

Radhakrishna, 49 Years Old

Visakhapatnam

Frequently Asked Questions

Loans, eligibility, EMIs, documents, process, and support—explained simply.

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