Punjab & Sind Bank Home Loan | Interest Rates 2020 | Eligibility | Information

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

Home Loan applications received for rupees ₹ 419,027 crores till 04 June 2020

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Loan Amount
Occupation

Annual Income

City

120,17,256 loan quotes taken till now.
Home loan Interest rates starts from 7.90% for women, 7.95% for Others.

Interest Rates of Punjab & Sind Bank on Home Loans 2020

Loan Amount Rate of Interest (p.a.)
Interest Rates

8.45%

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:

PSB Apna Ghar – Full waiver of processing charges.
PSB Apna Ghar Top Up – Loans upto Rs. 10 Lac- @ 0.15% of the loan amount, subject to minimum of Rs. 1000/- and maximum of Rs. 3750/-

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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