PNB Home Loan

PNB housing loan is subsidiary of India’s one of the largest Bank service Punjab national Bank. At PNB Housing, we provide loans for purchase, construction and extension of Home. We offer customized Home Loan solutions with best-in-class services, full-fledged domain knowledge and simplified loan procedures.

PNB Home Loan

Home Loans

PNB Housing excels in providing a complete bouquet of services to customers to meet their Home Loan needs. Ease of applying for a loan with branches spread across India, robust service delivery model and mark to market credit & financial policies help customers build a long term relationship of trust and commitment.

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Benefit of Choosing PNB Home Loan

  • We offer various type of Home loan as per your requirement like New Home Purchase Loan, Loan for construction or Renovation of existing house, Purchase of Plot
  • We have All India branch.
  • Fast approval Service at your Door
  • Excellent post disbursement services
  • A very well Educated and Experienced Dedicated team who work on advance information systems to meet customer needs
  • High standards of moral, truthfulness and limpidity service.
  • We have various repayment options.
  • No Pre Payment Charges
  • Lowest EMI

PNB Home Loan Eligibility

  • He should be either a salaried employee or a self employed or a professional/non professional
  • His age should not be more than 60 years at the time of loan maturity, if He is a salaried employee.
  • His age should not be more than 65 years at the time of loan maturity, if He is a self employed or a professional/non professional

Document required (For Salaried)

  • PNB Home Loan Application Form Completely filled with Passport Size Photograph
  • Age Proof (Pan Card / Birth Certificate/ Passport etc.
  • Residence Proof (Electricity Bill, Ration Card, Driving Lenience, Passport Etc.)
  • Salary Slip of 3 month along with Form 16 of Last 2 Year
  • Last 6 Month Bank Statement or Pass Book Copy
  • One Processing Fees Cheque
  • Photocopy of Relevant Document of Property.

Document required (For Self Employed/Professionals)

  • PNB Home Loan Application Form Completely filled with Passport Size Photograph
  • Age Proof (Pan Card / Birth Certificate/ Passport etc.
  • Residence Proof (Electricity Bill, Ration Card, Driving Lenience, Passport Etc.)
  • Certificate & Proof of business existence along with Business Profile
  • Last 3 years ITR with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant
  • Last 12 Month Bank Statement or Pass Book Copy
  • One Processing Fees Cheque
  • Photocopy of Relevant Document of Property.

Interest Rate Scheme

  Floating Rate Fixed Rate 3/5 Years Fixed Rate – 10 Years
Salaried Person 9.45 % 9.40% – 10.40% 9.65% – 10.65%
Self Employed/Professional 9.45% – 10.45% 9.40% – 10.40% 9.65% – 10.65%
Self Employed  Non Professional 9.70%-11.20% 9.65% – 11.15% 9.75% – 11.25%

Loan Distribution

  • Disbursement of PNB Home loan will be made once the Property/Flat/Plot paper has been technically or legally checked by the legal authority.
  • If you are purchasing house/ flat from any individual person on resale basis, the loan amount will be paid to that seller at the time of transfer of property after confirming that the customer has paid his own contribution and dues on that property.
  • If the houses/ flats under construction or in renovation the applied loan amount will be transfer step by step as per the progress of construction.

PNB Home Loan Amount

  • Upto Rs 30 Lac                                  –           90% of Market value (Maximum Approval)
  • 30 lacs and above, upto 75 lacs      –           80% of Market Value (Maximum Approval)
  • Above 75 Lac                                      –           75% of Market Value (Maximum Approval)

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