Range of Interest Rate
8.50% onwards
Processing Fee Range
0.25%
Loan Amount
Rs 2,50,000 Lakh – 35 Crore
Range of Loan Tenure
1- 30 years
Key Salient Features
- Balance Transfer
- Loan Top-Up
- Lowest Interest Rates
Documentation
- KYC – Aadhar Card and PAN Card
- Financial – Bank statement, Salary slips, Latest Form 16
- Property – Builder Buyer Agreement (for resale cases) and all chain agreements.
Trivia
- There are about 12,248+ PNB Housing Finance Branches across India
- It takes an average of 7-14 working days for loan approval
USP’s
Door step service
Dedicated Relationship Manager
Minimum Documentation
Fastest Sanction
Fee and Charges Details
- Salaried – 0.25%
- Self-employed – 0.50%
Disclaimer
- Your loan’s interest rate is subject to your CIBIL score. A higher CIBIL score may result in a lower interest rate.
- All intellectual property, such as trademarks and logos, is the exclusive property of its rightful owner.
| Particulars | Salaried | Self-Employed |
|---|---|---|
| Age | 18 to 60 Years | 18 to 75 Years |
| Prepayment Charges/Foreclosure | Zero | Zero |
FAQs
Typically, when you apply for PNB home loan online, the following steps need to be followed:
- To begin, fill out a home loan application form online.
- Upload necessary KYC, Financial, and Property documents
- Undergo loan processing along with legal and technical verification
- The bank will determine your PNB home loan eligibility and issue a sanction letter. It will include important details such as the sanctioned loan amount, interest rate, loan tenure, type of interest rate applicable, EMI payable, the validity of the sanction letter, special conditions (if any), and other terms and conditions.
- Once you have submitted all the necessary documents and a request for home loan disbursement, the bank will begin issuing your home loan disbursement cheque.
There are a few documents that you need to submit while applying for a PNB Housing Finance. They are given below:
KYC Documents
KYC Documents
- The previous three months’ salary slips
- Latest 2 years of Form 16
- Business Profile of the Applicant
- Latest 3 years ITR with Computation of Income, Balance Sheet, Profit and Loss Account, and respective schedules
- GST Registration Certificate & Udhyam registration certificate
Property Documents
PNB housing loan provides the lowest interest rates available & flexible repayment options. Their customer-centric approach ensures personalized solutions, quick approvals, and expert guidance throughout your home-buying journey. They also offer a seamless ‘Digital’ experience that helps you apply for a home loan without any hassles.
Typically, PNB housing loan take a maximum of 7-14 working days to get sanctioned.
If you apply for a PNB housing loan and want to get it approved quickly, you must have a minimum CIBIL score of 650 or above.
Generally, the maximum limit of a PNB Housing loan is Rs 35 Crore. The minimum home loan amount that PNB Housing provides is about Rs 2.5 Lakhs.
It is not required to have a co-applicant. However, you should have one while applying for a PNB housing loan because it enhances your home loan eligibility, shows the lender your creditworthiness, and increases your chances of improving terms and conditions.
The PNB home loan interest rates will change depending on your home loan type. They are as given below:
- Fixed Interest Rate: The interest rate remains constant throughout the loan tenure.
- Floating Interest Rate: The interest rate is linked to a benchmark rate like the MCLR (Marginal Cost of Funds based Lending Rate) or the Repo Rate and can change during the loan’s tenure.
Possessing your returns for three financial years can help you quickly secure a PNB housing loan. However, you can get a PNB housing loan despite not having income tax returns for three years. If you want to obtain a small loan and have a solid CIBIL score demonstrating your creditworthiness.
Typically, after receiving sanction for a PNB housing loan, the loan should be disbursed in a maximum of 4-5 working days.
EMI Calculator
Loan Amount
₹
Rate of Interest
%
Loan Tenure (Years)
Years
Monthly EMI
₹ 21,617
Principal Amount
₹ 25,000,000
Interest Amount
₹ 23,000,000
Total Amount Payble
₹ 47,000,000
Interest Amount
Principal Amount
Apply for Home Loan
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