The issue of Stamp Duty on Registered Mortgage Deed
Normally the lenders will ask you to create a registered mortgage deed on the property which they will retain with them as a
security against your loan. As this is a legal document, the prevalent stamp duty needs to be paid to the State Govt. In the
state of Maharastra, this duty is about Rs. 5000 for a loan below Rs 5 lacs and about Rs. 35000 for a loan above Rs 20 lacs.
Some lenders like HDFC do not ask for the Registered Mortgage Deed but only take the original Title Papers of the property as
a security. Thus customers of HDFC do not pay the stamp duty to the respective State Governments.
Some States have taken this matter to court as they are losing revenue. Some of the lower courts have ruled in favour of the
State Governments and asked HDFC to make good the Stamp Duty for all past customers along with interest. The matter is now
pending with the Supreme Court. We feel that the ruling will again go in favour of the States. We are not sure if HDFC would
be asked to pay up a large amount along with interest, which may ultimately be passed on the the existing customers. Any new
customers going to such lenders must be aware of the risk of a legal ruling that may result in a future cash payment along
with interest.
Flexible Loan Repayments
If you are a salaried employee, banks look at your current salaries while deciding how much they can lend you. The fact is
that your salary can only increase as time goes by and your ability to repay larger loan amounts will only get better. Some
banks now offer a flexible repayment plan that allows you to pay larger portions of the loan in the later years. Your initial
monthly payments are kept low. IDBI Bank, HSBC and Citibank offer Flexi repayment option loans. To read more about this click
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