I have recently taken a home loan for which bank is saying that I have to pay a mortgage fee of 0.2% to the government for registration of the loan agreement. Accordingly while disbursing the loan, they have deducted the mortgage fee of Rs. 4000 and disbursed the balance amount to me.
Q1 - Is this a legal charge
Q2 - Can I get a receipt for the amount taken as mortgage fee. Surely the government must be giving some kind of receipt against the payment made
Q3 - What proof can I get that the loan agreement was indeed registered with the registrar