PNB Home Loan – Interest Rates | Eligibility | Documents | Information

PNB Home Loan – Details on PNB home loans interest rates, documents, Eligibility. Punjab National Bank Offers Best rates for Home Loans in India.

Eligibility for PNB Home Loan:

Under Normal variant Individuals & Joint owners (age group of 18-65 years) having regular source of income. Income of spouse/children can also be added.


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Under Flexible variant: Customers who are below the age of 50 years and existing Housing loan borrowers who have availed loan under our Housing Loan scheme for public.


Features :

  • Option to choose between Floating and Fixed home loan interest rates.
  • Longest Repayment period of 25 years
  • For Term loan component of flexible variant 0.25% lower interest rate than under normal variant under all tenors of repayment
  • Flexible repayment option
  • No hidden charges
  • Quick and Fast processing

Interest Rates as on June 2013:

Interest Rates

Salaried / SEP

SENP

Upto  75 Lacs

10.25%

10.25%

Above 75 lacs

10.50%

10.50%

Loan Amount:

  • For construction/purchase of house/flat:- Need based.
  • Cost of car parking upto the maximum extent of 5% of the cost of flat/house can be considered in the cost of the project.
  • For carrying out repairs/ renovations/ additions/ alterations: – Maximum of Rs. 20 lacs.
  • For furnishing of house – Maximum Rs. 2 Lacs
  • For purchase of Land/ Plot – Maximum Rs. 20 Lacs.
Fee/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

Source: PNB Official Website

 

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Disclaimer: This information is sourced from Bank's Website to help customers to gain information on Banks product.
 
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