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Compare PNB vs PNB Housing Finance Loan Against Property

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Bank
Interest Rate
Interest Rate
7.75% - 10.15%
8.75% - 11.90%
Processing Fees
Processing Fees
Upto 0.50%
Upto 0.75%
Maximum Loan Amount
Maximum Loan Amount
₹ 5 Cr
₹ 5 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 50%
Upto 60%
Maximum Tenure
Maximum Tenure
10 Years
20 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,200
₹ 884
Benchmark Rate
Benchmark Rate
RLLR
PLR
Minimum Age
Minimum Age
21 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)
4.8/5.0
4.2/5.0
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Compare Loan Against Property EMI of PNB and PNB Housing Finance

Loan Amount PNB PNB Housing Finance
₹ 10 Lakh ₹ 12,001 ₹ 8,837
₹ 15 Lakh ₹ 18,002 ₹ 13,256
₹ 30 Lakh ₹ 36,003 ₹ 26,511
₹ 50 Lakh ₹ 60,005 ₹ 44,186

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

PNB Housing Finance offers lower Loan Against Property EMI at ₹ 884 on a Loan Against Property for 20 Years as compared to PNB with a minimum EMI of ₹ 1,200 for 10 Years. Average customer ratings for PNB Housing Finance is currently at 4.2/5.0 which makes it a good choice for taking a Loan Against Property.

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

It is important to do a detailed comparison of PNB 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 PNB Loan Against Property is 7.75%, which is lower than the lowest interest rate of PNB Housing Finance at 8.75% and hence, PNB is offering a cheaper loan option.
  • When compared on other Loan Against Property charges such as processing fees, PNB charges a lower processing fees of 0.50% of the loan amount vs PNB Housing Finance with a processing fees of 0.75% of loan amount.
  • PNB offers Loan Against Property upto 60% of the property value while PNB Housing Finance offers mortgage loan upto 50% of property value. Hence, PNB can be a better option if you are looking for a high value amount.
  • PNB is a with its Loan Against Property rates benchmarked to RLLR. PNB Housing Finance is a with its home loan rates benchmarked to PLR.
  • PNB has an average customer ratings of 4.8, while PNB Housing Finance has an average customer rating of 4.2, based on which it is clear that PNB 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 – PNB or PNB Housing Finance?

As per the current rates, PNB offers a lower interest rate of 7.75% on Loan Against Property when compared to PNB Housing Finance which offers a Loan Against Property at 8.75%.

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Loan Against Property News - Oct 2022
  • 2022-09-12 : Indian Overseas Bank raises MCLR rates by up to 0.10%
    Indian Overseas Bank has revised upwards the MCLR rates by 0.10 per cent across tenors. The benchmark 1-year tenor marginal cost of funds based lending rate (MCLR) has been revised to 7.75 per cent against the existing rate of 7.65 per cent. The two and three-year MCLRs have been hiked by a similar margin to 7.80 per cent each.
  • 2022-08-18 : HDFC bank opens its first all women branch in Kerela`s kozhikode.
    HDFC has opened its first all-women branch in Kozhikode. The branch, located in Cherootty Road, the hub of traders in the district, will have 4 women bankers. HDFC Bank is driving diversity and inclusion within the organization with a special focus on enhancing gender diversity.
  • 2022-08-18 : CCI`s nod to the merger of HDFC Bank, HDFC Ltd.
    The Competition Commission of India (CCI) has approved the proposal of merger of HDFC Bank and HDFC Ltd. Commission`s positive response to the combination involving amalgamation of HDFC Limited, HDFc Bank, HDFC Investments and HDFC Holdings.
  • 2022-05-13 : South Indian Bank Posts all-time High Net Profit in Q4
    The Bank has posted an all-time high net profit of ₹272 crores for Q4 in FY 22 against ₹6.79 crores during the corresponding period of the previous year.
  • 2022-05-13 : Ujjivan Small Finance Bank Profit Falls by 7% for Q4
    The bank has reported a 7 percent fall in its net profit to Rs 126.5 crore. Earlier, the bank had posted a net profit of Rs 136 crore in the same quarter of the preceding fiscal year 2020-21.
*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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