PNB Housing Finance Limited Home Loan

Unlock your dream home with PNB Housing Finance's affordable home loans. Experience low interest rates and easy eligibility criteria for hassle-free financing. Trust PNB Housing Finance for competitive mortgage solutions tailored to your needs. Apply now for quick home loan approval!
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Key Features of PNB Housing Finance Home Loans

  • Flexible Tenure

    Loan repayment period up to 30 years and Customize tenure based on your financial situation

  • Interest Rates

    Competitive Interest Rates

    Attractive rates starting from 7.25% p.a. Choice between fixed and floating interest rate options

  • loan facility

    Minimal Processing Fee

    Competitive processing charges. Transparent fee structure with no hidden costs

  • Secure & transparent policies

    High Loan Amount

    Up to 90% of property value for eligible cases. Loan amount tailored to your income and property value

  • Banking support

    Prepayment Charges

    Nil prepayment charges on floating rate home loans. Nominal charges for fixed rate loans as per terms and conditions

  • balance transfer

    Foreclosure Charges

    No foreclosure charges on floating rate home loans. Minimal charges for fixed rate loans, subject to loan agreement

To apply for a PNB Housing Finance Home Loan, you must meet the following criteria:

Eligibility Criteria

Details

Age

21 to 70 years

Employment Type

Salaried, Self-Employed, Business Owner

Minimum Income

Based on city and loan amount

CIBIL Score

Preferably 700+ for best interest rates

Property Location

Home loans available across India

Top PNB Housing Finance Limited Home Loan Features

PNB Housing Finance Limited offers a range of home loan solutions to meet diverse housing needs, ensuring a seamless and convenient borrowing experience.

1.  High Loan Amounts: Get home loans up to ₹15 crores based on your eligibility, allowing you to purchase or construct your dream home without financial constraints.

2.  Affordable EMI with PMAY Benefits: Avail subsidies under the Pradhan Mantri Awas Yojana (PMAY), reducing your EMI burden with attractive interest rate subsidies.

3.  Top-Up Loan Facility: Need extra funds? Get a top-up loan on your existing home loan for renovation, interiors, or other financial requirements.

4.  Balance Transfer Facility: Transfer your existing home loan to PNB Housing Finance at lower interest rates and save significantly on interest costs.

5.  Loans for Salaried & Self-Employed: Home loans are available for salaried professionals, self-employed individuals, and business owners with customized eligibility criteria.

6.  Quick & Easy Loan Processing: Enjoy fast home loan approvals with minimal documentation, ensuring quick access to funds for your new home.

Tentative List of Documents Required for a Home Loan

Applying for a home loan requires a set of documents to verify your eligibility and financial credibility. Below is a tentative list of documents required by most banks and financial institutions in India for processing your home loan application.

Document Category

Salaried Applicants

Self-Employed Applicants

Identity Proof

PAN Card, Aadhaar Card, Passport, Voter ID, Driving License

PAN Card, Aadhaar Card, Passport, Voter ID, Driving License

Address Proof

Utility Bills (Electricity, Water, Gas), Ration Card, Aadhaar Card, Passport, Voter ID

Utility Bills (Electricity, Water, Gas), Ration Card, Aadhaar Card, Passport, Voter ID

Age Proof

Birth Certificate, Aadhaar Card, PAN Card, Passport, School Leaving Certificate.

Birth Certificate, Aadhaar Card, PAN Card, Passport, School Leaving Certificate.

Passport Size Photos

Recent passport-size photographs

Recent passport-size photographs

Income Proof

Latest 3-6 months’ salary slips

Last 3 years’ Income Tax Returns (ITR) with computation of income

Bank Statements/p>

Last 6 months' bank account statement showing salary credits

Last 12 months’ bank account statements

Employment Proof

Offer letter, Appointment letter, or Employer’s certification

GST Registration, Shop Act License, or Business Establishment Certificate

Profit & Loss Statement

Not Applicable

Last 3 years' audited financials (Profit & Loss Account, Balance Sheet)

Business Registration Proof

Not Applicable.

Business Establishment Certificate, GST Registration

Sale Agreement

Duly signed Agreement to Sell

Duly signed Agreement to Sell

Approved Building Plan

Copy of the sanctioned building plan & layout

Key Points to Remember:

  • Tax benefits are available only if the property is in your name or you are a co-owner.
  • Ensure timely repayment of EMIs to continue availing these benefits.
  • Keep all home loan-related documents, including interest certificates, for tax filing purposes.
You are Eligible for EMI Amount
49,979
Principal Amount
6,500,000
Interest Amount
11,492,576
Why Suganta for Home Loan?
  • Offers from 34+ Banks
  • Lowest Interest Rate
  • Highest Loan Value
8,000,000₹
8.5 p.a
20 years

You are Eligible for EMI Amount

0
Principal Amount
0
Interest Amount
7,038,042
Why Suganta for Home Loan?
  • Offers from 34+ Banks
  • Lowest Interest Rate
  • Highest Loan Value

Need a more accurate EMI estimate?

₹8,000,000
8.5%
20 p.a

You are Eligible for EMI Amount

₹69,426
Principal Amount
₹8,000,000
Interest Amount
₹8,662,206
Why Suganta for Home Loan?
  • Offers from 34+ Banks
  • Lowest Interest Rate
  • Highest Loan Value

Need a more accurate EMI estimate?

How to apply for Punjab National Bank Home Loan

Step 1
Check Eligibility: Review the bank’s eligibility criteria, such as age, income, employment type, and property type, to ensure you qualify for the home loan.
Step 2
Gather Required Documents: Prepare all necessary documents, including identity proof, address proof, income proof, and property-related documents, for a smooth application process.
Step 3
Submit Application: Visit the nearest Punjab National Bank branch or fill out the https://suganta.com/homeloan/home-loan and submitting the required documents.
Step 4
Loan Approval and Disbursal: The bank will verify your documents, assess your eligibility, and sanction the loan. Once approved, the loan amount will be disbursed to your account or directly to the property seller as applicable.
Apply Now
Contact Us
Ready to begin? Contact SuGanta’s expert support team for guidance on Punjab National Bank Home Loans. Our professionals are here to answer your questions and provide personalized assistance every step of the way.
Call us
+91 7065663434
Mail us
support@suganta.com