Punjab National Bank Home Loan
| Bank Link | http://https://www.pnbindia.in/En/ui/PNBFlexibleHousingLoan.aspx |
| Loan Amount | 75% to 80% of the cost the house |
| Interest Rate | 10.5% to 12.5% |
| Tenure | Upto 25 years or before the borrower attains the age of 65 years |
| Pre Payment Charges | 2% - where the account is taken over by some other Bank/Financial institutions; otherwise NIL |
Service Charges
"For loans upto Rs. 300 lacs = 0.50% of the loan amount max. of Rs.20,000/- + taxes
For loans above Rs. 300 lacs = 0.90% of the loan amount + taxes
Documentation charges of Rs. 1350/- + taxes"
Other Charges
Documentation charges of Rs.1350/- + taxes
Docs Introduction
The documents needed for a home loan are-
-Govt. ID proof
-Govt. address proof
-Photos as specified by Bank
-Employment Certificate/Salary Certificate/ Form no. 16
-Last 6 Month’s Bank Account statement
-last 3 years Income Tax return
-Co-Lateral Security (if needed)
-Details of the property from Promoters
-Photocopy of receipts of Govt. Taxes and Bills
-Sanctioned Plan of the property
-Registration deed of the Land in the name of the Promoter
| Self | |
|---|---|
| Minimum Age (in yrs.) | 18 years to 65 years |
| Minimum Income (in Rs.) | Regular Source of Income should be there |
| Minimum Work Experience (yrs.) | NA |
| Residence Status (yrs.) | valid Residence and Business address proof |
| Id Proof | PAN card/Voters ID/Passport/Driving License |
| Address Proof | Recent telephone bill/electricity bill/property tax receipt/passport/voters ID |
| DOB Proof | 10th class certificate |
| Financial Docs | -Employment Certificate/Salary Certificate/ Form no. 16 -Last 6 Month’s Bank Account statement -last 3 years Income Tax return |
| Other Docs | -Govt. ID proof -Govt. address proof -Photos as specified by Bank -Co-Lateral Security (if needed) -Details of the property from Promoters -Photocopy of receipts of Govt. Taxes and Bills -Sanctioned Plan of the property -Registration deed of the Land in the name of the Promoter |
| Salaried | |
|---|---|
| Minimum Age (in yrs.) | 18 years to 65 years |
| Minimum Income (in Rs.) | Regular Source of Income should be there |
| Minimum Work Experience (yrs.) | NA |
| Residence Status (yrs.) | Valid Residence address proof |
| Id Proof | PAN card/Voters ID/Passport/Driving License |
| Address Proof | Recent telephone bill/electricity bill/property tax receipt/passport/voters ID |
| DOB Proof | 10th class certificate |
| Financial Docs | -Employment Certificate/Salary Certificate/ Form no. 16 -Last 6 Month’s Bank Account statement -last 3 years Income Tax return |
| Other Docs | -Govt. ID proof -Govt. address proof -Photos as specified by Bank -Co-Lateral Security (if needed) -Details of the property from Promoters -Photocopy of receipts of Govt. Taxes and Bills -Sanctioned Plan of the property -Registration deed of the Land in the name of the Promoter |
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