Karnataka Bank Plot Loan Features
- The Karnataka Bank Plot Loan Rate starts from 8.55%.
- Karnataka Bank charges a processing fee of Upto 0.25%, Minimum ₹ 250.
- Plot loan loans range from 5 to 30 years.
- The lowest EMI on plot lakh The loan from Karnataka Bank is ₹ 772 per lakh given at a very low-interest rate of 8.55% over the longest loan period of 30 years.
- Karnataka Bank allows the repayment of a plot loan at the expense of Nil on floating interest loans.
- Karnataka Bank has a good average customer rating by customers who have taken plot a bank loan.
Eligibility criteria for Karnataka Bank Plot Loan
- People living in India.
- NRIs must have an Indian passport.
- Minimum age limit: 21 years.
Income for Indian Resident:
- Salaried Individuals: Minimum monthly salary should be ₹ 10,000 / –
- Self-Employed: Minimum annual income ₹ 1,20,000 / –
Income for NRIs:
- Salaried Individuals: Minimum monthly salary ₹ 40,000 / –
- Self-Employed: A minimum annual income of ₹ 4,80,000 / –
Benefits of Karnataka Bank Plot Loan
- Karnataka Bank Plot Loan offers attractive interest making it easy on the plot borrower’s pockets.
- The interest rate starts from 8.55% per annum.
- The maximum plot loan amount can be Rs. 75 lakhs.
- Provides custom payment options for plot loan requirements.
- Karnataka Bank Plot Loan has a simple loan process and a quick loan payment process.
Plot Loan
If you bump into a plot available that you just think makes the right location for your future home, then a plot loan can facilitate your profit of the chance. Unlike home purchase loans that are wont to purchase existing, underlying properties, plot loans allow you to buy land.
A plot of land may be a good investment that grows in value over the future. Therefore, it provides an improved return on resale. Historically Indians are buying land or buildings for various purposes, especially as an investment.
Plot loans or site loans because the name suggests may be a loan offered by banks to borrowers to buy a site. Payments are made within the Estimated Monthly Installment (EMI) for a period determined by the bank.
Karnataka Bank Plot Loan Quick View
| Interest Rate | 8.55% onwards |
| Loan Amount | Depending on the market value of the plot and the payment capacity of the customer |
| Loan Tenure | Up to 15 years |
| Processing Charges | 0.50% of the loan amount |
Types of Karnataka Bank Plot Loan
Karnataka Bank Plot loan
The Plot Loan for the purchase of a site can only be taken out of buying a vacant lot or a piece of land, which can be used for the purpose of building a house or investing. The property must be kept within municipal or corporate boundaries. This type of loan is a risky loan. However, it depends largely on factors such as the type of work, the number of loans to purchase the site, and the type of loan.
Karnataka Bank Plot with Construction Loan
This loan is taken out for the purchase of a Piece of land or building sites in the area within the stipulated period. If the borrower does not start construction on time, the bank may increase the interest rate on the loan.
1. Tenure
Land loans have a comparatively long tenure of 15 years than those in home loans with a extended tenure of 30 years. Therefore, the EMI in terms of loans for plot purchase is above that of standard home loans. The tenure for a plot loan or land loan according to Karnataka Bank depends mainly up on the age of the borrower and also the repayment capacity of the borrower.
2. Prepayment Fine
An adjustable rate is sanctioned to individual borrower, if a loan borrower wishes to repay the loan the prepayment penalty is exempted. If plot loan is taken by a non-individual borrower than it can attract a prepayment charge of 4% .
3. Loan to Value Ratio (LTV)
Loan to value or LTV means the quantity of loan that a borrower will get against his property. In case of the loan for land with construction, it’s quite low and might be limited to 80% of the plot value. within the case of home loans, LTV is between 80% to 90%.
4. Plot with Construction Loan Interest Rates
In the case of loans for getting land and residential loans, the speed of interest is that the same. However, Karnataka Bank may give higher marks for the plot loans than home loans. Banks allow a group time for construction on the plot, and therefore the borrower is required to present a construction certificate to the bank. If the borrower doesn’t build upon the plot within the amount from the date of the primary disbursement, the structure of plot loan interest rates changes from a loan to a loan.
5. Tax Benefits
Home loans qualify for a write-off on payment of a principal amount under Section 80C of the tax Act in addition as Section 24 (b) of the revenue enhancement Act. On the opposite hand, tax benefits aren’t available on a land loan. After completion of construction on the plot, one can claim a deduction against the loan amount taken for construction.
Karnataka Bank plot loans for self-employed
Self-employed entrepreneurs can easily get a plot loan just as easily as the one with salaries or regular wages. Lenders have designed plot loan products that are specially designed to meet the needs of their tenants.
Generally, there are two categories of people who hire themselves: professionals and non-professionals.
Self-Employed Professionals include doctors, engineers, lawyers, CAs, MBAs, etc., who are academically trained in their field and have established their own businesses.
Self-Employed Non-Professionals include traders, contractors, commissioners, etc., and are not trained academically in their business environment.
Who can apply Karnataka Bank plot loans self-employed?
| Self-Employed Professional | Self-Employed Non-Professional |
| Doctors | Traders |
| Tutors | Contractors |
| Engineers | Commission Agents |
| Chartered Accountant, etc. | Handyman, etc. |
Type of plot loans self-employed
TruFixed plot Loan – 2 Year Fixed Rate Vary
The loan gives customers one part of the fixed-rate and one part of the fixed rate. Under the TruFixed plot Loan, the applicant can get a fixed rate of up to 2/3 years, after which the loan will be converted into a variable rate loan, a loan period of 15 years.
Flexible loan rate
The loan interest rate is updated once every three months. If there is a change in the RPLR, the date of initial release is considered. An increase in the interest rate will increase the interest rate of EMI which has led to a decrease in the main share. This will extend the loan period, and similarly, in cases where interest rates fall.
Karnataka Bank Plot Loan Interest Rates For self-employed Non – Professionals
Karnataka Bank Adjustable Home Plot Loan
| Loan Slab | Plot Loan Interest Rate (% p.a) |
|---|---|
| For women* (up to 30 lakh) | 7.05 to 7.55 |
| For others* (up to 30 lakh) | 7.10 to 7.60 |
| For women* (above 30 lakh) | 7.30 to 7.80 |
| For others* (above 30 lakh) | 7.35 to 7.85 |
| For Women* (75.01 Lakhs & Above) | 7.40 to 7.90 |
| For Others*(75.01 Lakhs & Above) | 7.45 to 7.95 |
Karnataka Bank TruFixed Loan – 2 Year Fixed Rate Variant
| Loan | Plot Loan Interest Rate (% p.a.) |
|---|---|
| For Women* (upto 30 Lakhs) | 7.50 to 8 |
| For Others* (upto 30 Lakhs) | 7.55 to 8.05 |
| For Women* (Above 30 Lakhs) | 7.65 to 8.15 |
| For Others* (Above 30 Lakhs) | 7.70 to 8.20 |
| For Women* (75.01 Lakhs & Above) | 7.75 to 8.25 |
| For Others*(75.01 Lakhs & Above) | 7.80 to 8.30 |
Karnataka Bank Plot Loan Interest Rates For self-employed professionals
Karnataka Bank Adjustable Rate Plot Loan
| Loan | Plot Loan Interest Rates (% p.a.) |
|---|---|
| For Women* (Upto 30 Lakhs) | 7.20 to 7.70 |
| For Others* (Upto 30 Lakhs) | 7.25 to 7.75 |
| For Women* (Above 30 Lakhs) | 7.45 to 7.95 |
| For Others* (Above 30 Lakhs) | 7.50 to 8 |
| For Women* ( 75.01 Lakhs & Above) | 7.55 to 8.05 |
Karnataka Bank TruFixed Loan – 2 Year Fixed Rate Variant
| Loan | Plot Loan Interest Rates (% p.a.) |
|---|---|
| For Women* (upto 30 Lakhs) | 7.65 to 8.15 |
| For Others* (upto 30 Lakhs) | 7.70 to 8.20 |
| For Women* (Above 30 Lakhs) | 7.80 to 8.30 |
| For Others* (Above 30 Lakhs) | 7.85 to 8.35 |
| For Women* ( 75.01 Lakhs & Above) | 7.90 to 8.40 |
| For Others*( 75.01 Lakhs & Above) | 7.95 to 8.45 |
Karnataka Bank Plot Loan documents required for both self-employed Professionals and Non-Professionals
| Purpose | Documents |
|---|---|
| Identity and residence Proof (Any 1) | – Voter ID Card, Valid Driving Licence, Valid Passport, etc. |
| Proof of income | – Income Tax Returns (ITR) and revenue calculations for the last three years of testing. – Savings account statements for individual and current business statements for the past six months. |
| Other documents | – List of directors and shareholders whose shares have been verified by CS / CA if the business is a company. – Co-operative title if the business is a co-operative. – Details of the individual outgoing and business loans with a residual value, instalments, security, purpose, duration of the remaining loan, etc. |
| Property related documents | – Copy of letter/buyer’s agreement. – Title Deeds in the event of resale of the previous property documents |
Karnataka Bank Plot loan fees and charges for self-employed
Processing fee
For self-employed professionals: Rs.3,000 or up to 0.50% of the total loan amount, with additional applicable taxes.
For unprofessional self-employed: Rs.4500 or up to 1.50% of the total loan amount, and any additional applicable taxes.
Prepayment charges
| Adjustable Rate Home Loans (ARHL) | – No prepayment will be paid due to full/partial repayment of loans granted to the individual borrowers. – For loans granted to individual lenders by firm, company, etc. 2% prepayment and tax, as may be applicable from time to time, of the amount payable, are payable. – The customer will be required to submit documents that Karnataka Bank deems appropriate and appropriate to verify the source of the loan at the time of the payment. |
| Fixed Rate Home Loans (FRHL) | – No advance payment will apply to partial/full payment made by your sources i.e, other banks / NBFC / HFC sources or financial institutions – The customer must submit documents that Karnataka Bank deems appropriate and appropriate to determine the source of funding. – Prepayments will be 2% plus taxes and statutory taxes and residual costs payable before any financial institution or bank and will be used for all full/partial payments. |
| Fixed and Variable Rate Loans (Combination rate) | During the period of Fixed-Rate: – Prepayments will be 2%, plus applicable taxes and legal fees and prepaid levies levied on financial institutions or any banks and will apply to all prepayment / full payments. – The client must submit documents approved by Karnataka Bank to verify the source of the money during the repayment of the loan in advance. During the Variable Rate: – No prepayment will apply due to full/partial prepayment of loans allowed to individual lenders. – For loans granted to individual borrowers by firm, company, etc. A prepaid fee of 2% plus tax and legal fees, as it may apply from time to time, is payable. – The prepaid amount shown will apply on the date of the loan agreement. |
The Conversion Fees
| Name of the Service | Name of the charge/fee levied | When payable | Frequency | Amount |
|---|---|---|---|---|
| Switch to a lower rate in Variable Rate Loans | Conversion fees | On conversion | On every spread change | A cap of up to 50% of the original outstanding and the stipulated amount at the time of conversion or whichever is lower is Rs. 50,000,000 tax. |
| Switching to Variable Rate Loan from Fixed Rate Loan | Conversion fees | On conversion | Once | A cap of up to 50% of the original outstanding and the stipulated amount at the time of conversion or whichever is lower is Rs. 50,000,000 tax. |
| Switching from Trufixed Fixed Rate to Variable Rate Loan | Conversion fees | On conversion | Once | 1.75% original arrears and tax in excess of the undisputed amount at the time of conversion. |
| Switch to Lower Rate | Conversion fees | On conversion | On every spread change | Half of the spread difference on principal dues and unspecified amount plus taxes with a minimum fee of 0.5% and a maximum fee of 1.550%. |
| Switch to Lower Rate | Conversion fees | On conversion | On every spread change | 0.5% of tax in excess of the original outstanding and undisputed amount at the time of conversion. |
Cheque dishonor charges
Up to Rs.200 (conditions apply)
Fees on Account of External opinion
Outside Opinion may be either from technical value or from advocates and fees may be paid directly to the person concerned, depending on the type of support provided
Property insurance
The customer should regularly pay the premium amount directly to the insurance provider so that he remains active during the loan term during the policy
Statutory/regulatory charges
The customer will be fully responsible for all charges applicable to stamp duty / MOD / MOE / Central Registry of Securities Asset Reconstruction and Security Interest of India (CERSAI)
List of documents
Can go up to Rs.500
Photocopy of documents
Can go up to Rs.500
Increase/decrease in loan term
Can go up to Rs.500 plus the term loan applicable
Disbursement Cheque cancellation charge post disbursement
Post Disbursement the charge can go up to Rs.200
Re-appraisal of loan after 6 months from sanction
Can go up to Rs.2000 plus all the tax applicable
PDC swap
Can go up to Rs.200
Karnataka Bank plot loans for salaried individuals
Who can apply Karnataka Bank plot loans for salaried individuals?
| Loan Amount | Maximum Amount Provided (in %) |
|---|---|
| Up to Rs.30 lakh | 80% of property value* |
| Rs.30.01 lakh to Rs.75 lakh | 80% of property value* |
| Over Rs.75 lakh | 75% of property value* |
Type of plot loans for salaried individuals
TruFixed Home Loan – 2 Year Fixed Rate Variants:
This loan gives customers half of the exchange rate and half of the fixed rate. Under the TruFixed Home Loan, an applicant can get a fixed rate of up to 2/3 years, after which the loan is subject to a variable rate loan, up to a maximum of 15 years of the loan.
Flexible Rate Loans:
The rated site loan is linked to the Karnataka Bank Retail Prime Lending Rate (RPLR). If there is a change in the RPLR, the interest rate on the loan is reviewed once every three months. An increase in the interest rate will increase the EMI interest rate, which will also reduce the main part. This will extend the term of the loan, and similarly in cases where interest rates fall.
Karnataka Bank plot loan interest rates for salaried individuals
Adjustable Home Rate Loan
| Loan | Loan Interest Rates (in %) |
|---|---|
| For Women* (Upto 30 Lakhs) | 7.05 to 7.55 |
| For Others* (Upto 30 Lakhs) | 7.10 to 7.60 |
| For Women* (Above 30 Lakhs) | 7.30 to 7.80 |
| For Others* (Above 30 Lakhs) | 7.35 to 7.85 |
| For Women* (75.01 Lakhs & Above) | 7.40 to 7.90 |
| For Others* (75.01 Lakhs & Above) | 7.45 to 7.95 |
TruFixed Loan – 2 Year Fixed Rate Variant
| Loan | Loan Interest Rates (% p.a.) |
|---|---|
| For Women* (upto 30 Lakhs) | 7.50 to 8 |
| For Others* (upto 30 Lakhs) | 7.55 to 8.05 |
| For Women* (Above 30 Lakhs) | 7.65 to 8.15 |
| For Others* (Above 30 Lakhs) | 7.70 to 8.20 |
| For Women* (75.01 Lakhs & Above) | 7.75 to 8.25 |
| For Others*(75.01 Lakhs & Above) | 7.80 to 8.30 |
Karnataka Bank plot loan documents required for salaried individuals
| Purpose | Documents |
|---|---|
| Identity and residence Proof (Any 1) | – Voter ID Card, Valid Driving License, Valid Passport, etc. |
| Income proof | – Income Tax Returns – Latest six month bank statements – Latest salary slips |
| Other Important documents | – Last six month bank statements showing your repayment of any ongoing loans. – Latest employment contract or the appointment letter in case current employment. – Passport size photograph of all the co-applicants/applicants to be included on the application with signature from the photo to the form. |
| Property related documents | – Copy of letter/buyer’s agreement. – Title Deeds in the event of resale of the previous property documents |
Karnataka Bank plot loan fees and charges for salaried individuals
Processing fees
For self-employed professionals, The loan amount of Rs.3,000 or 0.50% whichever is greater plus the applicable taxes.
Prepayment charges
| Adjustable Rate Home Loans (ARHL) | – No prepayment will be paid due to full/partial repayment of loans granted to the individual borrowers. – For loans granted to individual lenders by firm, company, etc. 2% prepayment and tax, as may be applicable from time to time, of the amount payable, are payable. – The customer will be required to submit documents that Karnataka Bank deems appropriate and appropriate to verify the source of the loan at the time of the payment. |
| Fixed Rate Home Loans (FRHL) | – No advance payment will apply to partial/full payment made by your sources i.e, other banks / NBFC / HFC sources or financial institutions – The customer must submit documents that Karnataka Bank deems appropriate and appropriate to determine the source of funding. – Prepayments will be 2% plus taxes and statutory taxes and residual costs payable before any financial institution or bank and will be used for all full/partial payments. |
| Fixed and Variable Rate Loans (Combination rate) | During the period of Fixed-Rate: – Prepayments will be 2%, plus applicable taxes and legal fees and prepaid levies levied on financial institutions or any banks and will apply to all prepayment / full payments. – The client must submit documents approved by Karnataka Bank to verify the source of the money during the repayment of the loan in advance. During the Variable Rate: – No prepayment will apply due to full/partial prepayment of loans allowed to individual lenders. – For loans granted to individual borrowers by firm, company, etc. A prepaid fee of 2% plus tax and legal fees, as it may apply from time to time, is payable. – The prepaid amount shown will apply on the date of the loan agreement. |
Conversion fees
| Name of the Service | The charge levied | When payable | Frequency | Amount (in Rs.) |
|---|---|---|---|---|
| Switch to lower rate in Variable Rate Loans | Conversion fees | On conversion | On every spread change | A cap of up to 50% of the original outstanding and the stipulated amount at the time of conversion or whichever is lower is Rs. 50,000,000 tax. |
| Switching to Variable Rate Loan from Fixed Rate Loan | Conversion fees | On conversion | Once | A cap of up to 50% of the original outstanding and the stipulated amount at the time of conversion or whichever is lower is Rs. 50,000,000 tax. |
| Switching from Trufixed Rate to Variable Rate Loan | Conversion fees | On conversion | Once | 1.75% original arrears and tax in excess of the undisputed amount at the time of conversion. |
| Switching to Lower Rate | Conversion fees | On conversion | On every spread change | Half of the spread difference on principal dues and unspecified amount plus taxes with a minimum fee of 0.5% and a maximum fee of 1.550%. |
| Switching to Lower Rate | Conversion fees | On conversion | On every spread change | 0.5% of tax in excess of the original outstanding and undisputed amount at the time of conversion. |
Cheque dishonour charges
Up to Rs.200 (conditions apply)
Fees on account of external opinion
Outside Opinion may be either from technical value or from advocates and fees may be paid directly to the person concerned, depending on the type of support provided
Property Insurance
The customer should regularly pay the premium amount directly to the insurance provider so that he remains active during the loan term during the policy
Charges on account of delayed payments
The customer is liable to pay an additional interest rate of up to 24% per annum if interest or EMI payment is delayed.
Incidental charges
Incidental costs and expenses are set aside to cover costs, expenses and other costs that may be incurred to obtain revenue from customers who fail to pay.
Statutory/regulatory charges
The customer will be fully responsible for all charges applicable to stamp duty / MOD / MOE / Central Registry of Securities Asset Reconstruction and Security Interest of India (CERSAI)
List of documents
Can go up to Rs.500
Photocopy of documents
Can go up to Rs.500
Increase/decrease in loan term
Can go up to Rs.500 plus the term loan applicable
Disbursement Cheque cancellation charge post disbursement
Post Disbursement the charge can go up to Rs.200
PDC swap
Can go up to Rs.200
Re-appraisal of loan
Can go up to Rs.2000 plus all the applicable tax
How to apply for Karnataka Bank Plot Loan With DialAbank
- You can apply for the Karnataka Bank Plot Loan directly from Dialabank easily.
- Just visit the Dialabank, fill in the form with your details and submit.
- Call at 9878981166 to know more.
- You will be contacted by Dialabank representatives for any further assistance.
Additional tips to get Karnataka Bank Plot Loan Easily
1) Check international documents
Browse through the records for the land you want to purchase.
- Title – The title will tell you what the land is for – residential, commercial, agricultural. There should be no confusing work.
- Certificate of Unity – See if a legal case is pending.
- Certificate of Release – The bank issues this certificate stating that there is no outstanding balance on the land prior to payment.
- Make sure all local tax receipts are organized. There should be no unpaid property installment installment.
- Find out if there is still pending approval from local authorities.
- Make sure the land is not held by previous owners as collateral.
2) Is the applicant applying for his or her site loan
Being a helpful applicant can help you improve your credit to your income level and get a higher loan.
Karnataka Bank Plot loan with Construction vs Home Loan
| Parameters | Plot Loan with Construction | Regular Home Loan |
| Tenure | Up to 15 years | Up to 30 years |
| Prepayment fine | Zero for individuals | Zero for individuals |
| Loan to Value (LTV) | 80% of the Registration value of the plot | Up to 90% of the Registration value of the home |
| Plot with Construction Loan interest rates | The rates are similar to a home loan, but if you want the construction period to be longer then the interest rates of plot + construction loan can be higher. | Rate of Interest starts at 6.80%* |
| Tax Benefits | Plot loans and interest may be claimed after construction is completed | For principal prices under section 80C and interest rates under section 24 (b) |
FAQ’s
✅ What is the Plot loan interest rate in Karnataka Bank?
The Interest rate starts from 8.55% onwards.
✅ What is Karnataka Bank Plot Loan?
If you bump into a plot available that you just think makes the right location for your future home, then a plot loan can facilitate your profit of the chance. Unlike home purchase loans that are wont to purchase existing, underlying properties, plot loans allow you to buy land. A plot of land may be a good investment that grows in value over the future. Therefore, it provides an improved return on resale. Historically Indians are buying land or buildings for various purposes, especially as an investment. Plot loans or site loans because the name suggests may be a loan offered by banks to borrowers to buy a site. Payments are made within the Estimated Monthly Installment (EMI) for a period determined by the bank.
✅ How much processing fee is applicable on Karnataka Bank Plot loan?
Karnataka Bank charges a processing fee of Upto 0.25%, Minimum ₹ 250.
✅ What is the loan tenure of the Karnataka Bank Plot loan?
The Karnataka Bank plot loan tenure is 5 to 30 years.
✅ How much EMI per Lakh can be fixed on Karnataka Bank Plot Loan?
The Karnataka Bank plot loan EMI per Lakh is ₹ 772.
✅ How can I avail plot loan from Karnataka Bank Bank?
If you pass the eligibility criteria for Karnataka Bank then you can avail your plot loan.
✅ How to Apply for Karnataka Bank Plot loan?
You can apply for the plot loan by visiting the website of Dialabank or Karnataka Bank.
✅ How to repay Karnataka Bank plot loan earlier than the schedule?
Visit the Karnataka Bank website and check if you are eligible for the earlier payment.
✅ Is it possible to repay my loan earlier than the schedule?
Yes, you can repay your loan earlier than the schedule for the Karnataka Bank plot loan.
✅ How to check Karnataka Bank + Plot Loan eligibility?
To properly understand the plot loan eligibility of Karnataka Bank plot loan the applicant must visit the website of Karnataka Bank or also can contact Dialabank for the same.
✅ What is the Karnataka Bank Plot loan phone number?
For Karnataka Bank Plot loan the borrower can call – 9878981166
✅ What is Karnataka Bank plot loan interest rate for woman?
For women, the Karnataka Bank plot loan interest rate starts from 7.05%.
✅ What is Karnataka Bank plot loan interest rates for salaried individuals?
For Salaried Individuals 7.10% – 8.55% at Karnataka Bank.
✅ What is Karnataka Bank plot loan interest rates for self-employed individuals?
For Self-Employed 7.10% – 8.55% at Karnataka Bank.
✅ What is Karnataka Bank plot loan interest rates for self-employed non-professionals?
8.55% is the interest rate for Karnataka Bank plot loan for Self-Employed Non-Professionals.
✅ How is a plot loan different from a home loan?
The basic difference can be:
- Tax benefits for Home loan owners but Karnataka Bank plot loans don’t have any Tax benefits.
- Tenure of plot loan is less than home loans.
✅ Can I take a plot loan along with a home loan?
No, it is not allowed to get multiple loans from Karnataka Bank.
✅ What is the maximum amount that I can take as a loan?
The maximum loan amount is determined by Karnataka Bank after evaluating your plot documents..
✅ Can a plot loan finance an investment in any plot, anywhere?
Yes, a Karnataka Bank plot loan can be used to purchase plot anywhere within the country.
✅ What is a Balance Transfer on Plot Loan?
Balance Transfer for Karnataka Bank plot loan helps you lower your EMIs by transferring your remaining loan to other financial institutions to one that offers a lower interest rate.
✅ Do I get any tax benefits on a plot loan?
No, currently no tax benefits are provided with Karnataka Bank plot loan.
✅ How many years can I keep the plot of land before starting construction?
For Karnataka Bank plot loan with Construction please visit the nearest branch or you can also contact the bank for more information regarding the scheme or call Dialabank at 9878981166 for assistance regarding the same.
