Sir, mene DHFL se 1104039 ka house loan lia tha 2018 mein 9% interest par woh bhi 20 yrs ke tenure par During covid mene moratorium bhi tha 6 months ka year 2020 mein. Sir, DHFL merged hua Piramal housing finance se 2021 or 2022 mein. Sir, Piramal housing finance walo ne mere 1104039 ke principal amount bole toh 20 yrs ke tenure ko 58 yrs tenure kar dia. Jo 1104039 principal amount ka interest maan lijiye 20 lakhs hone tha usko Piramal housing finance walo ne 59 lakhs ka interest kar dia.
Mene jab Piramal housing se reason pooch toh un logo ko invalid reasons bataye.
1). Increased rate of interest bataya.
My ANSWER - Sir 15/02/2018 mein 1104039 ka Rate of interest 9% tha then 9.2% hua, then 9.37%, then 9.62%, then 9.87% 2018 mein tha. In 2019 Rate of Interest 10.22% hua and at the end 01/09/2022 Ko interest 10.72 ho gaya.
Sir, aap agar interest ko calculate bhi kare tab bhi 59 lakhs ka interest nahi banta for principal amount 1104039.
2). Moratorium invalid reason bataya.
My answer: Sir
Covid Interest 19 moratorium for the month Mar-2020 INR 9191
Covid Interest 19 moratorium for the month Apr-2020 INR 9269
Covid Interest 19 moratorium for the month May-2020 INR 9348
Covid Interest 19 moratorium for the month Jun-2020 INR 9428
Covid Interest 19 moratorium for the month Jul-2020 INR 9508
Covid Interest 19 moratorium for the month Aug-2020 INR 9589
Sir, agar aap is Moratorium amount ko calculate kare toh total amount inr 56, 333 aata hai.
Sir, aap bataye kya Moratorium amount ka itna interest lia ja sakta hai ki 59 lakhs he pahuch jaye? Possible he nahi hai.
3). Irregular payment invalid reason.
My answer: Sir, mene payment mostly before closing kari DHFL and Piramal housing ko with penalty amount.
Before closing bole toh for example 10th Dec 2022 ko emi jaani thi Par mene 31st Dec 2022 ko emi paid kar dia with Penalty amount.
Us pe bhi inke system pe amount sahi se update nahi hoti.
sir, Piramal group ko regular payment mila for each and every month toh kaise TENURE INCREASE ho sakta hai?
Sir, Piramal housing Finance ke jab branch pahuch mein toh waha dekha 1 -2 aur customers thae jinka 20 yrs bole toh 240 months ka tenure in logo ne 877 months ka dia.
Sir, Piramal Housing finance ki website pe EMI calculator hai. Us pe mene Principal amount 1104039 enter kia Rate of interest 10.72 enter kia and tenure 20 yrs kia tab bhi interest 59 lakhs nahi banta. aap log khud enter karke dekhe.
aap bataye is pe kya action lia ja sakta hai agar Piramal Housing Finance apna galti nahi correct karte.