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HOME FINANCE COMPANY - APPLY FOR HOME LOAN, FD & LAP

NSE: ₹927.65 ▲ ▼ ₹-6.45(-0.69%)

BSE: ₹927.30 ▲ ▼ ₹-6.75(-0.72%)

Last update:Dec 16, 2024 12:49 PM

* NSE: ₹927.65 ▲ ▼ ₹-6.45(-0.69%)

BSE: ₹927.30 ▲ ▼ ₹-6.75(-0.72%)

Last update:Dec 16, 2024 12:49 PM

* English
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* Loan Products
Housing Loans
* Home Loan
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* Home Construction Loan
* Pradhan Mantri Awas Yojana

Roshni Home Loans
* Home Loan

Other Home Loans
* Home Extension Loan
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Non Home Loans
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* Loan Against Property
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* Fixed Deposit
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* Credit check calculator
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Latest @ PNB Housing
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1. Home

Apply for Roshni Home Loan More Details

The way to your dream
home in 3 minutes
Interest Rates starting at
8.5%* p.a
Apply for Home Loan More Details

Turn Your Dream into Reality with
Loan Against Property
Interest rates starting at
9.24%* p.a
Apply for Loan More Details

Grow Your Savings with PNB Housing
Fixed Deposit
@8.00%* p.a
*For 30 Months tenure only, Limited Period offer

Apply Online More Details

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2.5 million

satisfied customers

CARE ‘AA+/Stable’ & *CRISIL ‘AA+/Stable’ Indicates high level of safety

WHY CHOOSE

PNB HOUSING HOME LOAN?

Flexibility
in Documentation
High Tenure
Loan
Fund upto 90%
of Property Value
Quick Sanction
and Disbursement
Customised
Eligibility as per Income
Doorstep
Service

CUSTOMER TESTIMONIALS

HEAR FROM REAL PEOPLE!

4.0 (200)

Refer a Customer
View all Reviews

Big Milestone of my life has been achieved. It took collective efforts of 2
generations, young and old. However, it still wasn't enough to acquire the home
by ourselves. Yourself, Vivek and PNBHF team's timely entry to the situation
helped us complete our home buying mission. You reached me immediately when I
logged a request on your portal, documents were collected, process was explained
very well and disbursement was also very convenient. Seller side was also not
expecting this to be a smooth affair, but even they were surprised how smooth
everything was done. I must admit, another competing bank also reached out to me
offering lower ROI, however, looking at the relationship we built and your
response impressed me and hence, as a reciprocal gesture, I had to get the home
loan from your bank. Thank you once again. Hope to have a pleasant experience
during the EMI and prepayment journey for my home loan.

P.S
Home Loan Customer of Ghatkopar Branch – Mumbai
5.0

“Thanks for providing excellent support and exhibiting swiftness in getting my
Home Loan approved and disbursed in 5 working days. Really appreciate the
efforts in making this happen in such a short time span! Hats off to the PNB HFL
team.”

Ved Bhushan Gulati
Project Director with an MNC
5.0

Thank you for the support extended for sanctioning my loan for purchase of Plot
in a swift and smooth manner. Really appreciate the way things were handled and
in a short span of time. I will definitely recommend you to any of my
friends/well wishers looking for a home loan.

P Brian Antony
Asst.General Manager with a Public sector unit
5.0

This is to place on record my appreciation for highly prompt and efficient
service provided by PNB Housing Finance in not only sanctioning House loan for a
property but also in timely disbursal of the first part of the loan. I would
like to compliment the entire team.

Naveen Prakash
Chief Vigilance Officer with a public sector unit
4.0

Thank you very much for helping me to get a home loan and for a rapid action. I
really appreciate the prompt responses and immediate delivery. I like the
services and will refer to my friends who might need a home loan

Rushikesh Vanarse
Software Product Manager with an IT company
5.0

I wish to express my sincerest thanks and heartiest appreciation for your great
customer orientation, supportive nature and diligence which I experienced during
my home loan processing.

I must say that such professionalism makes public confidence soar high in favour
of PNB HFL in today’s world of stiff competition.

Satya Tiwari
Commercial Director, GSK Asia Pvt. Ltd.
4.0

I would like to take this opportunity to thank you for all for your help during
the loan sanctioning process across the last two weeks.

Based on my experience interacting with you over the past few weeks, I can
confidently state that PNB Housing has certain unique qualities that will surely
propel you forward. The strongest one being your ability to be a trusted
business advisor to your customer. You have an emotional quotient that enables
you to go beyond transactional relationships and this will stand you in good
stead in your current job.

I especially appreciate the fact that you understood that I was travelling
tomorrow and you were open to coming home so late in the night tonight to
collect the required documents. In doing this, not only do you improve the bonds
with your potential customer, but also you project a superior image of PNB
Housing Finance

Thanking you once again for all your help and wishing you all the best in your
future endeavours.

Tone Thomas
General Manager - Executive Education, S P Jain School of Global Management
5.0

Recently I had applied for Home Loan from PNB Housing Fin. Ltd., Nagpur to
purchase a flat. My case was processed very speedily & to everybody’s surprise I
got the sanction letter from your company in less than two weeks.

Generally customers have a perception of PSU institutions where they feel that
delay is inbuilt part of the process, but your team has negated the
misconception. I want to place on record the effort taken by your team &
particularly Sh. Rajesh Belsare, who even at odd hours visited my office &
residence to collect the documents etc., and also helped to sort out various
legalities so to process the case faster. I also saw that everybody in your
office was more than eager to provide information relevant to my case and guide
accordingly.

I congratulate you & your team who has shown that PSU institutions are as
efficient as any professionally managed private financial institutions, to serve
the customers.Abhishek Srivastava

Ajay R. Sawatkar
Sr. General Manager, BSNL, Yavatmal Telecom, District Yavatmal
4.0

I would like to take a few minutes to appreciate the quality of service provided
by PNB HFL during our recent home loan application. There were tight deadlines
with the developer and it had been a lengthy process in the past as a NRI. But,
from the outset PNB HFL- Mr Devendra Singh and his team were very prompt and
moved things quickly. Many documents were required and reviewed during the home
loan application. But everything was done in a speedy and transparent manner.
The status updates right from initial application through the underwriter’s
query were helpful. While signing the final documents, branch Manager Mr Nilay
Bhargava, courteously assured us of the first disbursement within a short time
frame. It was a pleasure to see that his team were committed to their word and
delivered the first cheque to the builder within the schedule, as promised. Mr
Devendra Singh’s customer service through the whole process was quite exemplary.

I have worked with many mortgage lenders in India and the UK. The level of
service and diligence experienced with PNB HFL is among the top few and it has
continued through the 3rd disbursement. I will gladly recommend this team at PNB
HFL to friends and colleagues.

I wish your team continued success at PNB HFL.

Abhishek Srivastava
Director, Financial Engineering, Chicago Trading Company
5.0

I would have sent this mail to the Chairmen or CEO’s of PNB Housing if I would
have known their email ids’. I just want to convey my regards and thank to the
entire Chandigarh PNB HFL team for their customer centricity. I am short of
words while writing this email, but it will be my advocacy to recommend PNB HFL.

The bridge to connect myself to PNB Housing was Mr. Rahul Taneja and it was my
first ever instance to experience any kind of loan, but Mr. Rahul Taneja took
away my worries, which I used to have. His polite, polished and professional way
to deal with every client is awesome and I will describe him as a true asset to
the organization.

During my all interactions with the organization I could always sense a feeling
of respect and value for the customer and the same was remarkable with all of my
interactions with Ms. Ruchi Gupta. I really appreciate her timeliness and
cooperative way to deal with a customer.

A true customer service expert Ms. Sonia, her welcoming gesture is more than a
demand draft. She is undoubtedly more than prompt in replying to any email,
resolving an issue or reverting any query of the customer.

Above all, Mr. Sanjai Singh guided like a guardian and not like a professional.
I remember the instance when I asked him to pre-close my loan, rather than
offering me lucrative deals he guided me like an elder brother

“YOU ALL HAVE HELPED ME TO MAKE MY HOME”

You are a wonderful Team. Best of Luck!!!

Harbaksh Singh
Manager, Godrej & Boyce Mfg. Co. Ltd.
5.0

‹›

FIND

THE RIGHT SOLUTION FOR YOUR NEEDS

Home Loan can be confusing. Got questions? No problem! We are here to help you
every step of the way. At PNB Housing Finance, We strive to provide speedy
solution for all your home finance queries.

FIRST TIME BUYER

Click Here

EXISTING
PNB HOUSING CUSTOMER

Click Here

REFINANCE / BALANCE TRANSFER TO PNB HOUSING

Click Here

LOOKING FOR A ROSHNI HOME LOAN

Click Here

LOAN AGAINST PROPERTY

Click Here
What is your
Current Income Status?
I am Salaried
I am Non-Salaried/Self Employed
What is the Information you seek
Regarding the Home Loan process?
Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
Apply Home Loan Online

TIPS FOR FIRST-TIME HOME BUYERS

Read More
PNB Housing
Tips for First-Time Home Buyers

The process of buying a home for the first time can be an overwhelming
experience. If you are looking to buy a house with a home loan, keep the
following pointers in mind.

Assess your financial position before applying for a Home Loan
Compare interest rates and use an EMI calculator to make informed loan decisions
Research government schemes for possible concessions and lower interest rates
Determine if a down payment is required and ensure you have sufficient funds for
it
Choose a Home Loan tenure that fits your repayment capacity, balancing EMIs and
interest payments

At PNB Housing Finance Limited, we offer a range of loan options specifically
tailored to meet the needs of first-time home buyers. We focus on making the
home-buying process hassle-free and convenient for our customers.

Get a Home Loan approved in just
3 minutes, hassle-free!
Start Now
Documents Required for Home Loan for Salaried
Address proof: Aadhar card, Passport, Driving Licence,Telephone Bill, Ration
Card, Election Card, Any other Certificate from Statutory Authority
Age Proof: PAN Card, Passport, Any other Certificate from Statutory Authority
Income Proof: Includes salary slips of last 3 months, Form 16 for last 2 years,
and latest 6 months bank statement

READ ABOUT

Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
Apply Home Loan Online
Processing Fees
* The financial institution charges a processing fee when you apply for a home
loan. This one-time fee covers the cost of processing your loan application.
* Some financial institution may charge this fee in two parts. The processing
fee is usually a percentage of the total loan amount. However, the amount may
vary depending on which lender you choose.
* For example, PNB Housing charges INR 10,000 processing fees for salried which
can go up to 0.5%* of the loan amount exclusive of GST & other taxes

READ ABOUT

Document Checklist
Eligibility Criteria
EMI Calculator
Loan Insurance
Apply Home Loan Online
Home Loan Eligibility Criteria for Salaried
Age: All salaried applicants must be above the age of 21 years at the time of
commencement of loan. Additionally, your age should not exceed 70 years at the
time of the maturity of the loan.
Residency: You should be a permanent resident of India.
Work experience: You should have a minimum work experience of 3 years.
Salary: Minimum salary required INR 10,000 per month or more
Loan amount: INR 8 lakh onwards
Tenure: Up to 30 years
LTV: Up to 90%
Required Credit Score: 611+

CHECK YOUR HOME LOAN ELIGIBILITY ONLINE

Eligibility Calculator

READ ABOUT

Document Checklist
Processing Fees
EMI Calculator
Loan Insurance
Apply Home Loan Online
EMI Calculator
* Home Loan EMI Calculator will help you to estimate how much you must pay each
month towards your Home Loan. Type in the loan amount, interest rate, and
time until repayment.
* PNB Housing offers an easy-to-use Home Loan EMI Calculator that generates an
approximate EMI amount based on your inputs. This calculator lets you quickly
plan your home loan payments without worrying about manual errors or complex
calculations.

CALCULATE YOUR EMI ONLINE

EMI Calculator

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
Loan Insurance
Apply Home Loan Online
Loan Insurance

Home Loan is a lengthy financial commitment, and life is uncertain. Home Loan
insurance can cover your outstanding loan amount and ensure financial security
for your dependents if you fail to pay off the loan for any reason or meet an
untimely demise. PNB Housing suggests you opt for a home insurance policy when
you take a Home Loan.

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Apply Home Loan Online
Apply Home Loan Online

PNB Housing Finance knows that constraints such as limited funds and a lengthy
house loan process might make purchasing your dream home difficult. Fortunately,
the solution to both concerns is only a few mouse clicks away. You may now apply
for a home loan online with PNB Housing Finance in minutes. PNB Housing makes it
easy to apply for a house loan by making the procedure simple and quick.

Introducing ACE, a completely digital home loan process that allows you to
quickly check your loan eligibility and submit your loan application. Simply
have scanned copies of your needed paperwork on hand to begin your path towards
your dream home.

Apply Online

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
What is the Information you seek
Regarding the Home Loan process?
Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
Apply Home Loan Online

TIPS FOR FIRST-TIME HOME BUYERS

Read More
Documents Required for Home Loan for Non-Salaried

To buy a property with a home loan, you need to provide some important documents
to prove that the property exists, has been sold legally, and owns it. These
documents are necessary to get the loan.

Address proof: Aadhar card, Passport, Driving Licence, Telephone Bill, Ration
Card, Election Card, Any other Certificate from Statutory Authority.
Age Proof: PAN Card, Passport, Any other Certificate from Statutory Authority
Income Proof: Pertaining to business and ITR, such as proof of business
existence, last 3 years income tax returns, accountant-certified balance sheets,
and last 12 months bank account statement

READ ABOUT

Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
Apply Home Loan Online
Processing Fees

Financial institutions and banks charge Home Loan processing fees, which cover
tasks like document verification, pre-sanction inspection, legal operations,
etc.

The Home Loan processing fee, or the application fee, is a charge levied by the
financial institutions as a part of the loan processing. It's important to know
that while some institutions charge this fee one time, others charge it in two
parts - one at the time of login and the balance at the time of disbursement.
Therefore, to make an informed decision, the applicant must know their chosen
lender's Home Loan processing charges levied.

READ ABOUT

Document Checklist
Eligibility Criteria
EMI Calculator
Loan Insurance
Apply Home Loan Online
Home Loan Eligibility Criteria for Self-Employed/Business Owners
Age: All self-employed applicants must be above the age of 21 years at the time
of commencement of the loan. Additionally, your age should not exceed 70 years
at the time of the maturity of the loan.
Residency: You should be a permanent resident of India.
Work experience: You should have at least 3 years of business continuity.
Loan Amount: INR 5 Lakh onwards
Tenure: Up to 20 years
LTV: Up to 90%
Additional: You apply for income tax returns.
Minimum credit score of 611 is needed to apply for a home loan.

FOR MORE INFORMATION ABOUT THE ELIGIBILITY CRITERIA, CLICK TO KNOW MORE

Know More

READ ABOUT

CALCULATE YOUR EMI ONLINE

EMI Calculator

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
Loan Insurance
Apply Home Loan Online
Loan Insurance

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Apply Home Loan Online
Apply Home Loan Online

Apply Online

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
Valued PNB Housing customers

You can now enjoy the convenience and ease of our customer care solutions at
your fingertips. You can get a variety of services, such as rate conversion and
part payment, all online and without visiting a branch. With our safe and secure
online services, you may do maximum of your transactions with confidence and
without stress. So prepare to benefit from hassle-free home loans with PNB
Housing.

Continue to Login
or

CHOOSE A SERVICE

Make Online Payment
Get the IT Certificate
FAQ's on Interest Rate reduction
Apply for a Top-up
Online Payment

Pay your dues with ease using quick and smart online payment methods. Provide
your loan account number and make your payment using your preferred method: Net
Banking, Debit Card, or UPI.

Make Online Payment

Payment accepted through

READ ABOUT

Get the IT Certificate
FAQ's on Interest Rate reduction
Apply for a Top-up
FAQ's on Interest Rate reduction

By using our conversion option, you can lower the current rate of interest on
your home loan and non-home loan. Through our conversion feature, you can reduce
the relevant rate of interest on the loan (by adjusting the spread or converting
between schemes).

Write to us

READ ABOUT

Make Online Payment
Get the IT Certificate
Apply for a Top-up
Apply for a Top-up

You can borrow money against the value of your property with a quick top up
without going through the lengthy home loan application process. This implies
that you can easily and swiftly obtain the money you require.

You might wish to think about getting a quick top-up for your current home loan
for a variety of reasons. You may, for instance, utilise the funds to

Renovate your home
Consolidate Debt

Whatever your reason, an instant top up can be a great way to get the money you
need when you need it.

Apply now

READ ABOUT

Make Online Payment
Get the IT Certificate
FAQ's on Interest Rate reduction
Seeking financing for a second home

A second house loan is an excellent choice for those wishing to invest in real
estate or produce additional income. We provide affordable interest rates and
more flexible eligibility requirements, and borrowers can receive up to 90% of
the house's construction or purchase price. Furthermore, tax breaks on second
home loans are available under Sections 80C and 24 of the Income Tax Act.
Section 80C allows for a maximum deduction of 1.5 lakh on principle payments,
whereas Section 24 allows for a maximum deduction of 2 lakh on interest
payments. Before applying for a second home loan, it's critical to understand
the intricacies of these perks and utilise an EMI calculator to determine
eligibility.

I am Salaried
I am Non-Salaried/Self Employed
Get a Home Loan approved in just
3 minutes, hassle-free!
Start Now
What is the Information you seek
Regarding the Home Loan process?
Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
Apply Home Loan Online
Documents Required for Home Loan for Salaried
Address proof: Aadhar card, Passport, Driving Licence,Telephone Bill, Ration
Card, Election Card, Any other Certificate from Statutory Authority
Age Proof: PAN Card, Passport, Any other Certificate from Statutory Authority
Income Proof: Includes salary slips of last 3 months, Form 16 for last 2 years,
and latest 6 months bank statement

READ ABOUT

CHECK YOUR HOME LOAN ELIGIBILITY ONLINE

Eligibility Calculator

READ ABOUT

CALCULATE YOUR EMI ONLINE

EMI Calculator

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
Loan Insurance
Apply Home Loan Online
Loan Insurance

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Apply Home Loan Online
Apply Home Loan Online

Apply Online

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
PNB Housing
Tips for First-Time Home Buyers

The process of buying a home for the first time can be an overwhelming
experience. If you are looking to buy a house with a home loan, keep the
following pointers in mind.

Get a Home Loan approved in just
3 minutes, hassle-free!
Start Now
What is the Information you seek
Regarding the Home Loan process?
Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
Apply Home Loan Online
Documents Required for Home Loan for Non-Salaried

To buy a property with a home loan, you need to provide some important documents
to prove that the property exists, has been sold legally, and owns it. These
documents are necessary to get the loan.

READ ABOUT

Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
Apply Home Loan Online
Processing Fees

Financial institutions and banks charge Home Loan processing fees, which cover
tasks like document verification, pre-sanction inspection, legal operations,
etc.

READ ABOUT

FOR MORE INFORMATION ABOUT THE ELIGIBILITY CRITERIA, CLICK TO KNOW MORE

Know More

READ ABOUT

CALCULATE YOUR EMI ONLINE

EMI Calculator

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
Loan Insurance
Apply Home Loan Online
Loan Insurance

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Apply Home Loan Online
Apply Home Loan Online

Apply Online

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
EMI Calculator
Loan Insurance
Home loan balance transfer

A home loan balance transfer seeks to transfer your outstanding balance to PNB
Housing with a favourable interest rate. You can save money on monthly payments
and overall interest by having a solid credit score, a consistent income, and
papers such as a repayment track record and property paperwork. The procedure
consists of applying, submitting paperwork, paying fees, and receiving approval.

Know More
Loan Against Property

We offer loans against the mortgaging of existing residential/commercial
properties in our branch locations for legitimate purposes such as business
expansion, education, medical expenses, etc. We have a wide range of non-home
loan products, a pan-India branch network, door-step services, excellent
post-disbursement services, ethical practices, and various repayment options.
Our experienced team ensures customer satisfaction and loan amount enhancement
in case of cost escalation.

Document Checklist
Processing Fees
Eligibility Criteria
Loan Against Property Insurance/Customer Safety
Contact us for Loan against property
Know More
Get a Home Loan approved in just
3 minutes, hassle-free!
Start Now
Documents Required
I am Salaried
I am Non-Salaried/Self Employed
Documents Required for Salaried Employees
Duly filled Application Form with Photograph
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 months
Form 16 for last 2 years
Last 6 months Bank Statements(salary account)
Processing Fee Cheque in favour of 'PNB Housing Finance Ltd.
Photocopy of Title Documents of the Property, Approved Plan

READ ABOUT

Processing Fees
Eligibility Criteria
Loan Against Property Insurance/Customer Safety
Contact us for Loan against property
Documents Required for Self Employed/Professionals
Duly filled Application Form with Photograph
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 (for professionals)
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)
Processing Fee Cheque in favour of PNB Housing Finance Ltd.
Photocopy of Title Documents of the Property, Approved Plan

READ ABOUT

Processing Fees
Eligibility Criteria
Loan Against Property Insurance/Customer Safety
Contact us for Loan against property
Processing Fees

The financial institution bank charges a processing fee when you apply for a
Loan against Property. This one-time fee covers the cost of processing your loan
application.

Some financial institution banks may charge this fee in two parts. The
processing fee is usually a percentage of the total loan amount. However, the
amount may vary depending on which lender bank you choose.

For example, PNB Housing charges up to 1%* processing fees of the loan amount
exclusive of GST & other taxes, if any.

READ ABOUT

Document Checklist
Eligibility Criteria
Loan Against Property Insurance/Customer Safety
Contact us for Loan against property
Eligibility Criteria
You should either be a salaried employee or a self-employed professional/
non-professional.
Your age should not be more than 60 years if you are a salaried employee and not
more than 65 years if you are a self-employed professional/ non-professional, at
the time of loan maturity.

READ ABOUT

Document Checklist
Processing Fees
Loan Against Property Insurance/Customer Safety
Contact us for Loan against property
Loan Against Property Insurance/Customer Safety

PNB Housing, for the safety and extended comfort of its customers, suggests that
they should get their property and loan repayments insured to overcome an
unfortunate event during the re-payment term of the loan.

For the convenience of customers, PNB Housing has tied up with various insurance
companies to offer best-in-class products and services at their doorstep.

Know More

READ ABOUT

Document Checklist
Processing Fees
Eligibility Criteria
Contact us for Loan against property

PNB HOUSING

HOME LOAN CALCULATORS

EMI calculator
Calculate your EMIs with our easy and intuitive Home Loan EMI calculator
Calculate Now

Eligibility calculator
We evaluate your eligibility by considering income, tenure, other sources of
monthly revenue, pre-existing debts, and EMIs.
Calculate Now

Home Loan Affordability
calculator
A calculator which helps you gauge the value of the property you can buy and
your eligible home loan amount.
Calculate Now

Stamp duty & upfront costs calculator
Estimate the other costs of buying a property, including government costs, stamp
duty, and fees.
Calculate Now

Credit check
Check your credit score and determine if you can get the best loan rates in the
market.
Calculate Now

HAVE QUESTIONS!

WE ARE HAPPY TO ASSIST YOU.

Request A Callback

Sanjay Verma

Sales Manager, PNB Housing

INSTANT HOME LOAN APPROVALS WITH

PNB HOUSING'S ACE PLATFORM

* Superfast on-boarding
* Complete Loan application within minutes
* Faster Sanctions and Disbursements
* Fully secure and encrypted application

Apply for a Home Loan

HOW TO APPLY FOR A HOME LOAN ON THE ACE PLATFORM

Watch Video

HOW TO APPLY FOR A HOME LOAN FOR PNB ACE PLATFORM

PNB HOUSING

HOME LOAN PRODUCTS

HOUSING LOAN

Home Loan
Home Construction Loan
Home Extension Loan
Home Improvement Loan
Plot Loan
Loan for NRIs
Pradhan Mantri Awas Yojana

AFFORDABLE
HOUSING

Roshni Home Loans

NON HOME
LOANS

Commercial Property Loan
Loan Against Property
Lease Rental Discounting
Loan for Real Estate Developers

FIXED DEPOSIT

Click Here

Blogs
* Blogs
* News & Updates

PNB HOUSING BLOGS

How a Loan Against Property Can Be Key to Sorting Your Business Problems?
Read MoreAboutHow a Loan Against Property Can Be Key to Sorting Your Business
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PNB HOUSING NEWS & UPDATES

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FREQUENTLY ASKED QUESTIONS

Home Loan
* Home Loan
* Fixed Deposits
* Moratorium
* Restructuring

What is the procedure for applying the home loan?

Step 1:Submit your loan application along with required set of documents.

Step 2:Your application would be assessed on the basis of various eligibility
and funding norms.

Step 3:A property valuation and title check may be carried out by the company
representative to determine the property value and legal clearance of the
property to arrive at the loan amount.

Step 4:Based on the internal and regulatory guidelines, PNB Housing may approve
or reject the loan application.

Step 5:Submission of the original property documents are required along with
signing of agreements, handing over of registered property papers and submission
of post-dated cheques/ECS.

Step 6:Upon finding all the documents in order, PNB Housing will disburse the
loan amount to the developer/contractor based on the progress of construction.
The EMI/Pre-EMI will commence after the disbursement.

Am I eligible for a Home Loan?

You are eligible for a loan if you are an Indian citizen or a person of Indian
Origin and are a salaried/ self- employed professional/ a businessman. Your loan
eligibility will be determined by PNB HFL on the basis of professional income,
age, qualifications, number of dependents, co-applicant’s income, assets,
liabilities, stability and continuity of occupation, savings and prior credit
history. Further, the loan eligibility will also be dependent on the value of
property selected by you.

What percentage of property value can be funded?

We can fund up to 90% of the property value in case of Home Loan and up to 60%
in case of Loan Against Property. However, PNB HFL funding norms may change from
time to time and from property to property or based on the loan amount.

I purchased a property 3 months back; can i get a Home Loan?

Yes, you can avail re-finance at applicable Home Loan rate within 6 months from
the date of property purchase.

What is EMI and Pre-EMI?

Your loan is repaid through Equated Monthly Instalments (EMI), which includes
principal and interest component. EMI repayment starts from the month subsequent
to the month of final disbursement. Pre-EMI Interest is the simple interest,
payable every month till the time loan amount is not fully disbursed.

Who can open a FD account with PNB Housing?

Fixed Deposit will be accepted from Resident Individual/ HUFs /Public/Private
companies /Non-Resident Indians/ Co-operative Societies / Co-operative Banks/
Trust / Association of person, PF Trust etc.

How is a deposit made?

A prospective depositor has to fill prescribed “Deposit Application Form” along
with all KYC documents and an accounts payee cheque/ Demand Draft/ NEFT/ RTGS in
favour of PNB Housing Finance Limited. Deposit applications are available at all
PNB Housing branches and with its authorized brokers. Deposit forms could be
downloaded from company’s website –www.pnbhousing.com.

Does the property need to be insured?

Property insurance is mandatory in order to protect your property against
uncertainties like earthquake, fire or any damage and destruction due to natural
and man-made calamities, during the tenure of the loan.

What is the minimum amount to place a FD with PNB Housing?

Cumulative Deposit – INR 10000
Non-Cumulative Deposit –
Monthly Income Plan – INR 100000
Quarterly Income Plan – INR 50000
Half yearly Income Plan– INR 20000
Annual Income Plan – INR 20000

What is the range of tenure for which a customer can have a FD account?

If a customer is a resident Indian individual/entity/trust the minimum tenure is
1 year and maximum tenure is 10 years.

Will a customer get any receipt of deposit with PNB Housing?

Yes, PNB Housing will issue FD receipt of the money deposited by a customer with
us.

Are Know Your Customer (KYC) documents required for all depositors?

Yes.

Checklist of Know your Customer (KYC) Compliance?

In terms of the Prevention of Money Laundering Act, 2002, the rules notified
there under and KYC guidelines issued by the Reserve Bank of India (RBI), every
depositor is required to comply with the KYC requirements by submitting the
following document:

* Latest photograph.
* Certified copy of proof of identity such as Pancard, Aadhar Card, Passport
etc.
* Certified copy of proof of address, for Corporate it is certificate of
incorporation, Pancard Registration no. / trust deed.

Can a loan be obtained from PNB HFL against the security of a PNB HFL Fixed
Deposit?

Yes, loan facility is available at the discretion of PNB Housing, which can be
availed only after three months from the date of deposits and up to 75% of the
deposit amount subject to certain terms and conditions. Interest rate on such
loans will be 2% higher than the rate of interest on the deposit being paid to
depositor.

What is meant by moratorium period?

Moratorium means a payment holiday. This means that during the period of
moratorium no payment has to be made by the customer to the lending institution
(PNBHFL). The interest which is accrued for the moratorium period shall become
payable after the end of moratorium period. Thus this is like a deferment of
payment.

What is the material impact of the extension of moratorium?

All loan customers can now avail the moratorium on EMIs payable till August
2020. If customer chooses, he will not be required to pay the EMIs of June,
July, August 2020. The repayment will re-start from September 2020 onwards :

* Those customers who had availed of moratorium during Moratorium 1.0 and not
paid the EMIs of March and/or April and/or May, may choose to extend the
moratorium and not pay the EMIs of June, July, August 2020 ;
* Those customers who did not avail the Moratorium 1.0 till 20th May 2020 can
avail fresh moratorium, whereby they will not pay EMIs of June, July and
August 2020 ;

Please note that like in Moratorium 1.0, the extension of moratorium does not
mean “EMI Waiver” as the interest will continue to accrue on the unpaid
principal. The accrued interest will be added to the principal outstanding and
revised EMI will be payable on the increased principal from September 2020.

What is the impact of moratorium on the terms of the loan?

The impact on terms of the loan is explained below:

* The Interest for the period of moratorium will be added to the Principal ;
* The balance tenor of the loan will increase by the period of moratorium
availed. Customers who had availed of 3 month moratorium earlier and now
extend it by another 3 months, the balance tenor will get extended by 6
months. Customers who take the moratorium now – the morat will be for 3
months and tenor will also get extended by 3 months ;
* New EMI will be calculated on the increased POS (point (a) above) and balance
tenor (point (b) above). The New EMI will be payable from September 2020
onwards ;

What is the “Interest on Interest Refund” guideline as released by IBA & RBI?

Supreme Court has pronounced a judgement in March 2021 wherein it has directed
that compound / penal interest charged on loans during the moratorium period be
refunded. Accordingly RBI directed financial institutions to refund difference
between compound and simple interest charged on loan accounts which availed
moratorium period of March 2020 to August 2020. Indian Banks Association (IBA)
laid down the detailed guidelines in April 21 which are to be followed by
institutions.

As part of the COVID-19 package announced by RBI in March 2020 (and extended in
May
2020), customers who had a loan outstanding as on 29th February 2020 which was
less than 90 DPD as on 29th February 2020 were given a relief of one time
moratorium of repayment for a cumulative period of6 months i.e. from March 2020
to August 2020. During the moratorium period, the customers were exempt from
making any payment to the lender. During moratorium, the lenders compounded the
interest due on a monthly basis. Thus, the loan outstanding at the end of
moratorium period included the outstanding principal at the beginning of the
moratorium and the compound interest thereon for the months for which moratorium
was availed, termed as “Interest on Interest”- difference between the simple
interest and the compound interest charged during moratorium period.

PNBHFL had also compounded the interest for the moratorium period for the
customers who availed the moratorium. Accordingly the Interest on interest will
be refunded.

Which all loans/facilities are eligible for refund under the RBI Circular?

All “standard accounts” have to be given the benefit of relief. The
determination date for this purpose is 29th Feb., 2020. That is, the days past
due (DPD) status should be less than 90 DPD as on 29.02.2020 (“Eligible
Accounts”).
Accounts not eligible for Relief under RBI Circular:

* Accounts classified as NPA as on 29 February 2020 ;
* Loan facilities which were charged with simple interest ;
* Accounts already refunded interest on interest under ex-gratia scheme of
Nov’20* ;

Thus,

* Refund will now be given in those loan accounts (standard as on 29.02.2020)
which were left out in the Ex-Gratia 1 scheme of Oct-Nov 2020. This will
include ;
* All Loans* (standard as on 29.02.2020) where the exposure (disbursement)
was > INR 2 crore.
* All Loans* (standard as on 29.02.2020) where the exposure (disbursement)
was<= INR 2 crore but the market exposure (basis CIBIL) was > INR 2crores.

* Both retail and corporate finance loans will be eligible

* Loans irrespective of whether they availed the moratorium or not will be
eligible. However, interest on interest is to be refunded only if it was
charged. Not applicable on PNBHFL since no interest on interest was charged
in such cases.

If an exposure was standard on 29 Feb 2020 but became NPA in the next few
months, will we process refund?

Yes, As loan was standard (not a NPA) on 29/02/2020 and had availed the
moratorium, it will be eligible for refund of interest on interest irrespective
of the fact that it became a NPA later on.

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Location * Select Location Agra Ahmedabad Ahmednagar Ajmer Akola Allahabad
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Bathinda Bengaluru Bhavnagar Bhilai Bhilwara Bhiwadi Bhopal Bhubaneshwar Bikaner
Bilaspur Boisar Bolinj Bulandshahr Calicut Chakan Chandigarh Chandkheda
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Karimnagar Karjat Karnal Karur Kaushambi Keshod Khamgaon Khammam Kharadi
Khargone Khopat Kolhapur Kolkata Kollam Kompally Kondhwa Kota Kottayam Kozhikode
Krishnagiri Kumbakonam Kurnool Lucknow Ludhiana Madurai Magadi Mahesana Mandsaur
Mangalore Mathura Meerut Moradabad Morbi Mumbai Mysore Nagaur Nagercoil Nagpur
Nalgonda Namakkal Nashik Navi Mumbai Neemuch Nellore Noida Odhav Palakkad Pali
Panipat Panvel Patancheru Patiala Pen Pimpri Chinchwad Pithampur Pollachi
Poonamalli Prayagraj Puducherry Pune Raibarelliy Raipur Rajahmundry Rajkot
Rajsamand Rampally Ranchi Ratlam Ratnagiri Rewa Rohtak Rudrapur Saharanpur
Sahibabad Salem Sanganer Sangareddy Sangli Sarjapur Satna Shivpuri Sidhi Sikar
Sitapur Solapur Sri Ganganagar Surat Tambaram Tenkasi Thane Thanjavur Theni
Thiruvallur Thiruvananthapuram Thrissur Tirunelveli Tirupati Tiruppur Tiruvallur
Tonk Trichy Trivandrum Tumkur Tuticorin Udaipur Ujjain Unnao Uppal Vadodara Vapi
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