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PNB Housing Home Loan

PNB Housing Finance Limited (PNB Housing) is a registered housing finance company with National Housing Bank (NHB). It was incorporated under the Companies Act, 1956 and commenced its operations on November 11, 1988. PNB Housing is promoted by Punjab National Bank (PNB). The Company came out with a public issue of equity shares in November 2016. Its equity shares are listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) with effect from 7th November 2016.

With over three decades of specialised experience in housing finance, PNB Housing has a robust network of branches spread across the country which help its customers avail financial services (loans and deposits) seamlessly.

PNB Housing provides housing loans to individuals and corporate bodies for purchase, construction, repair and upgradation of houses. It also provides loans for commercial space, loan against property and loan for purchase of residential plots.

  Salaried Self Employed Professional
Age 25 To 60 Years 25 To 65 Years 25 To 65 Years
Loan Amount 5 Lakh To 75 Lakhs 5 Lakh To 5 Crore 5 Lakh To 5 Crore
Tenure  Max. 30 Years Max. 30 Years Max. 30 Years
Rate of Interest / APR [Annual Percentage Rate] 9.25% to 11.50% 9.25% to 11.50% 9.25% to 11.50%
Features Excellent post disbursement services Excellent post disbursement services Excellent post disbursement services
Processing Fees Min. 10000/ Or 0.25% + Service Tax Min. 10000/ Or 0.25% + Service Tax Min. 10000/ Or 0.25% + Service Tax
Special NA NA NA
Documentation KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents.
Eligibility

For Salaried individuals, PNB Housing Loan eligibility criteria are

  • You should be a resident of India

  • You should be between 25 and 60 years of age

  • You should be a salaried individual with a work experience of 3 years or more.

  • Upto 75 Lakh

For self-employed individuals, PNB Housing Loan eligibility criteria are

Whether you are a businessman, doctor, CA or an engineer we have customized home loans up to Rs. 5 crores, if-

  • You are an Indian resident.

  • You are between 25-65 years of age.

  • You are a self-employed individual with a minimum of 5 years of continuity in the current business.

For self-employed individuals, PNB Housing Loan eligibility criteria are

Whether you are a businessman, doctor, CA or an engineer we have customized home loans up to Rs. 5 crores, if-

  • You are an Indian resident.

  • You are between 25-65 years of age.

  • You are a self-employed individual with a minimum of 5 years of continuity in the current business.

Particulars Salaried Self Employed Professional
Age(Min-Max) 25 To 60 Years 25 To 65 Years 25 To 65 Years
Minimum Income Min. 3,00,000/ p.a Min. 1.50 Lakh Profit Yearly Min. 4 Lakh Receipt
Co-applicant NA NA NA
Loan Tenure Upto 30 Years Upto 30 Years Upto 30 Years
Maximum Loan Amount Max. 75 Lakhs Max. 5 Crores Max. 5 Crores
Employment/Business Continuity Min. 3 Years Min. 3 Years Min. 2 Years
CIBIL Score Min. 700 Min. 600 Min. 650

Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
Education Qualifications – Latest Degree
Latest Salary-slips for 3 month
Form 16 for last 2 years
Last 6 months Bank Statements(salary account)

Certificate & Proof of business existence along with Business Profile
Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant
Last 12 months Bank Account Statements (self & business)

Fee Amount to be Paid
Rate of Interest 9.25% to 11.50%
Loan Processing Charges Min. 10000/ Or 0.25% + Service Tax
Cheque Bounce Charges NA
Cheque/ Instrument Swap charges NA
Prepayment/ Foreclosure Charges NA
Default Interest Rate NA
Duplicate Statement Issuance Charges NA
Duplicate Amortization Schedule Charges NA
Duplicate Interest Certificate NA
S(Provisional/ Actual) issuance Charges NA

Feature of PNB Housing

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.

Advantage of PNB Housing

  • Provides an extensive range of home loan products like Home Purchase Loans, Home Construction Loans, Home Extension Loans, Home Improvement Loans and Plot Loans.
  • Pan India branch network
  • Robust service delivery model – doorstep services ensuring easy and fast approval & disbursal of loans
  • Excellent post disbursement services
  • The facility of enhancement in loan amount in the event of escalations in cost
  • A dedicated team of well-experienced employees who work on best-in-class information systems & network to deliver and provide customer satisfaction
  • High standards of ethics, integrity and transparency
  • Various repayment options

Benefits of PNB Housing

  • Instant home loan available
  • PAN India branch network
  • Doorstep service and quick processing of loan applications
  • Flexible Repayment Option

 

Advantage of Customer

  • Provides an extensive range of home loan
  • PAN India branch network
  • Door-step Services
  • High standards of ethics, integrity and transparency
  • Various repayment options
  • Avail best interest rates on your home loan!
  • Excellent post disbursement services
segmentation

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