Gic Housing Finance — Refund of pre closure charges

Address:	Visakhapatnam, Andhra Pradesh, 530003
Website:	GICHFINDIA.COM

We had taken home loan of Rs. 56, 00, 000/- from GICHFL vide Customer ID.[protected]; Loan Account No. AP[protected] in the month of MAY 2014. We are paying the EMIs without any delay and default. We transferred our loan to other bank after paying outstanding amount inclusive of pre-closure charges.
As we understood from the loan document, my loan interest rate is floating type and Pre closure charges shall not be applicable as per tariff-schedule and also as per NHB. We have not found the word “FIXED Interest” rate anywhere in my confirmation letter as well as in online quarterly statements, everywhere it is shown that the interest rate type “FLOATING”.
Hence, we requested for refund of pre-closure charges.