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Compare Citibank vs PNB Housing Finance Loan Against Property

Download Comparison
Bank
Interest Rate
Interest Rate
6.90% - 7.90%
8.90% - 10.15%
Processing Fees
Processing Fees
NIL
Upto 0.75%
Maximum Loan Amount
Maximum Loan Amount
₹ 5 Cr
₹ 5 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 70%
Upto 60%
Maximum Tenure
Maximum Tenure
15 Years
20 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 893
₹ 893
Benchmark Rate
Benchmark Rate
TBLR
PLR
Minimum Age
Minimum Age
23 Years
21 Years
Maximum Age
Maximum Age
65 Years
65 Years
Overdraft Facility
Overdraft Facility
N
N
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
4.4/5.0
4.2/5.0
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Compare Loan Against Property EMI of Citibank and PNB Housing Finance

Loan Amount Citibank PNB Housing Finance
₹ 10 Lakh ₹ 8,932 ₹ 8,933
₹ 15 Lakh ₹ 13,399 ₹ 13,400
₹ 30 Lakh ₹ 26,797 ₹ 26,799
₹ 50 Lakh ₹ 44,662 ₹ 44,665

Which is a better bank for Loan Against Property – Citibank or PNB Housing Finance?

Citibank and PNB Housing Finance have the same interest rate on Loan Against Property, starting from 6.90%. Lowest EMI of Citibank is ₹ 893 for a maximum tenure of 15 Years. Lowest EMI of PNB Housing Finance is ₹ 893 for a maximum tenure of 20 Years.

How does Citibank Loan Against Property compare with PNB Housing Finance Loan Against Property?

It is important to do a detailed comparison of Citibank and PNB Housing Finance on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of Citibank Loan Against Property is 6.90%, which is lower than the lowest interest rate of PNB Housing Finance at 8.90% and hence, Citibank is offering a cheaper loan option.
  • When compared on other Loan Against Property charges such as processing fees, Citibank charges a lower processing fees of Nil vs PNB Housing Finance with a processing fees of 0.75% of loan amount.
  • Citibank offers Loan Against Property upto 70% of the property value while PNB Housing Finance offers mortgage loan upto 60% of property value. Hence, Citibank can be a better option if you are looking for a high value amount.
  • Citibank is a with its Loan Against Property rates benchmarked to TBLR. PNB Housing Finance is a with its home loan rates benchmarked to PLR.
  • Citibank has an average customer ratings of 4.4, while PNB Housing Finance has an average customer rating of 4.2, based on which it is clear that Citibank has a high customer service focus, an easy Loan Against Property process and a quick turnaround.

Which bank offers a lower interest rate on Loan Against Property – Citibank or PNB Housing Finance?

As per the current rates, Citibank offers a lower interest rate of 6.90% on Loan Against Property when compared to PNB Housing Finance which offers a Loan Against Property at 8.90%.

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Loan Against Property News - Oct 2021
  • 2021-10-20 : Banks Gross NPAs To Increase To 8-9 Percent
    Gross Non-Performing Assets (NPAs) of banks are expected to increase to 8-9 percent in the current fiscal year according to reports of Crisil. Agency also suggests that Emergency Credit Line Guarantee Scheme (ECLGS) will help limit this increase.
  • 2021-10-18 : HDFC Bank Posts 17.2 Percent Profits In Q2
    Private sector bank, HDFC Bank has posted a 17.6 percent rise in net profit at Rs 8,834.3 crore in the second quarter ended September 30, 2021. The lender had posted a net profit of Rs 7,513.1 crore in Q2 of 2020.
  • 2021-10-12 : IDFC First Bank Revises Interest Rate For Loan Against Property
    Indian private sector bank, IDFC First Bank has reduced interest rates for loans against property. Currently, the lender is offering loans at an interest rate of 7.50% for all the loan amounts.
  • 2021-10-11 : Punjab National Bank Introduces 6S Campaign
    Punjab National Bank (PNB) has launched the 6S Campaign. The campaign consists of schemes like Swabhiman, Samruddhi, Sampark and Shikhar, Sankalp and Swagat. The objective of the campaign is to spread awareness about the development of financial services and accelerate credit growth, improve penetration of social security schemes and drive digital banking push.
  • 2021-10-06 : Central Bank of India Partners With IIFL Home Finance
    Central Bank of India has announced a strategic co-lending partnership with IIFL Home Finance. Under the partnership, IIFL Home Finance Ltd will process credit parameters and eligibility criteria. Central Bank of India will take into its book 80% of the SME LAP Loans under mutually agreed terms.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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