generate the users question from given prompt if you don't know the answer just send NO
Prompt : STAR NAME_1 - FEATURES
Maximum quantum up to 90% of market value
Maximum repayment tenure up to 360 months
Holiday/Moratorium period up to 36 months
EMI starts @ Rs.776/-per Lakh
Income of co-applicant (close relative) considered for eligibility
Smart NAME_1 (OD facility) for entire limit/outstanding balance @ROI of NAME_1
For purchase of plot (house to be constructed within 5 years)
Loan facility for addition/extension/renovation of existing property
Loan facility for furnishing of house @ROI NAME_1
Takeover/Balance Transfer facility with additional Loan amount
Instant Top Up Loan Available
Loan facility for purchasing Solar PV @ROI NAME_1
Insurance premium considered under Project Cost (treated as NAME_1 component)
Step up/Step Down EMI facility
BENEFITS
Low interest rate
Minimal documentation
No hidden charges
No prepayment penalty
Free accidental insurance coverage up to limit Rs. 5.00 Crores


Questoin : What are the benefits of star NAME_1?
Answer :  Provide your reponse without using the word penalty.
user