Punjab & Sind Bank Home Loan | Interest Rates | Eligibility | Information

Saturday, October 29th, 2011

Punjab and Sind Bank Home Loan – Get details on latest interest Rates, Eligibility, EMI and documents of PSB bank in India. Calculate EMI for loan with calculator online.

Eligibility:

  • Individuals, Group of individuals, and individual members of housing societies are eligible under the scheme
  • 18 years to 65 years, subject to age for repayment

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Interest Rates of Punjab & Sind Bank on Home Loans 2014:

Loan Amount

Rate of Interest (p.a.)

Upto Rs.30.00 lacs

10.50%

Above Rs.30.00  lacs & upto Rs.75.00 lacs

10.75%

Above Rs.75.00 lacs

11.00%

Festival Bonanza Scheme: (Upto 31.03.2014) - For Fresh Loans & takeover cases

Quantum of Finance

  1. For construction of house or purchase of house/ flat/ Plot: Need based finance, with no Maximum limit
  2. For repairs / renovation / additions / alterations: Maximum Rs. 20.00 lac.

Processing fee you have to pay on Housing Loan:

Loans upto Rs. 25 Lac                       :  0.15% on the loan amount, subject to minimum of Rs. 1000/- and  maximum of Rs. 3000/-
Loans > Rs. 25 Lac < Rs. 50 lac        : 0.25% subject to maximum of Rs. 10000/-
Loans > Rs. 50 Lac < Rs. 75 lac        : 0.25% subject to maximum of Rs. 15000/-
Loans = Rs. 75 Lac & above             : 0.25%

Repayment

A.    Maximum upto 30 years  

  • Purchase of built up house
  • In case of construction of house
  • In case of members of Co-operative Housing Societies/ Builders flat/ apartment

B.      Maximum upto 15 years

  • In case of Loan for Extension/ Repairs/ Renovation of House
  • In case of purchase / acquisition of plot

Prepayment Charges: NIL

Guarantee:

  1. In case of Co-borrower: Third Party Guarantee may be waived.
  2. In all other cases: guarantee of spouse or Major son may be obtained, if available
  3. In cases, where sale deed/ lease deed/conveyance deed is to be registered after a considerable gap like in cases of Installment/construction linked plan e.g. Authority/ Society/ Builder’s flats/plots: Guarantee of earning spouse/ major son or suitable third party guarantee must be obtained.

 

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