Banks and other loans issuing financial institutions can be quite unscrupulous in trying to make a kill from loan seekers. Especially here in my country with the introduction of the interests cap law, several people who have applied to get a loan, have raised concerns about some dubious charges that had been introduced by various Banks in the country. This actually makes it quite expensive for individuals to service such loans since they(charges) increase the net amount to be repaid. Have you ever encountered some of these charges in your country while applying for a loan? What are the most common hidden charges imposed by banks around you?