These include CERSAI registration charges, documentation charges, equitable mortgage fees, advocate fees, architect/valuer fees, bank inspection charges, etc., which are in the nature of out-of-pocket expenses for actual services rendered.
Some banks are sanctioning OD facility, which is a floating loan and can be a running loan account without any fixed EMI. The monthly interest has to be repaid as and when debited to the account. The credits (deposits) into the account will be treated as EMI, which can be varied according to availability of surplus funds at your disposal. A fixed loan account does not need a renewal (only a review is done, if at all necessary), but an OD facility requires renewal regularly.