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PNB Home Loan

Last Updated 26th May 2017

PNB Housing Loans

Rate of Interest 8.50% - 8.50%
Maximum Loan Tenure From 5 years to 30 years
Loan Amount Between Rs. 1,500,000 to Rs. 100,000,000
Lowest EMI per lakh Rs. 769 per lakh
Age Between 21 years to 70 years
Processing Fee 1.00%
Apply Home Loan @ 8.35%*
Rs.
Rs.
+91

PNB Home Loan Details

PNB Housing Finance home loan is dependent on various factors and varies from person to person. These factors are -

Loan Tenure - PNB Home loans are of shorter tenure ranges from 5 years to 30 years and carry lower rate of interest compared to shorter term loans.

Repayment Capacity - Before giving home loan to the borrower, PNB Housing Finance checks the repayment capacity of the borrower. Bank verifies the repayment capacity of the customer through CIBIL as it has all the details of previous loans taken and their repayments. CIBIL also gives the information of credit card bills payment.

Relationship with the bank/NBFCs - PNB offers special rates, offers and charges to the existing account holders of the bank. Those who have managed their accounts and made all the payments on time in past will get benefit from the bank.

PNB Home Loan Document List

Documents Salaried Self Employed
Signed Application Form Yes Yes
Passport Size Photo Yes Yes
Copy of Income Tax PAN Yes Yes
Identity Proof Passport/ Driving License/ Voter ID/ PAN Passport/ Driving License/ Voter ID/ PAN
Income Proof Latest pay slip, Form 16, 3 months bank statement showing salary credit and any EMI debit 6 months bank statement, ITR of last 2 years
Address Proof Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), Passport Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), Passport
Business Proof VAT/ service tax registration, incorporation details in case of companies, partnership deed, business address proof

PNB Home Loan Apply

PNB Housing Finance gives the facility of home loan to the people who want money to meet their urgent requirements. There are some features and benefits of taking house loan from PNB Housing Finance:

PNB Home Loan Calculator

Interest Rate Calculator - This helps you in identifying the interest rate charged on applied loan amount for effective tenure.

Interest rate on PNB Home loan depends upon

Loan Amount - Higher the loan amount, lesser will be the interest rate

Benchmark Rate - Home loan floating of PNB depends upon PLR which is currently 14.35%.

Eligibility Calculator - This calculator calculates your House loan eligibility depending upon your monthly income, loan tenure, interest rate and existing obligations (if any). Apply for only that much loan amount, what you are eligible for. This calculator calculates eligibility based on salary. You can also calculate your home loan eligibility online and based on that apply for loan. Eligibility depends on:

  • NTH – Higher monthly income increases your eligibility to get PNB Housing loan. PNB requires a minimum income of at least Rs. 0 to avail you loan
  • Loan Tenure – You can get home loan for maximum tenure of 30 years depending upon your current age
  • Obligations – Your existing obligations can reduce your chances of getting Home loan from PNB. So, complete your existing obligations first and then apply for loan
  • There are various methods of calculating eligibility

  • Multiplier method – This method calculates your loan amount based on your income and company profile
  • FOIR (Fixed Obligation Income Ratio) – Your loan amount eligibility is calculated on the basis of your maximum EMI or monthly installments in respect to your income

EMI Calculator - Home Loan EMI calculator helps you in calculating your monthly EMI based on the loan amount, interest rate and tenure you have applied for.

Loan amount - You should apply for only eligible loan amount from PNB ranges from Rs. 1,500,000 to Rs. 100,000,000. EMI will be high based on your loan amount.

Loan Tenure - High tenure of home loan leads to low amount of EMI.

Interest Rate - PNB home loan EMI will be low if your rate of interest is less.

FAQs on Home Loan from PNB Housing Finance

How PNB Housing Finance does calculate NTH for Home loan?

NTH in PNB Housing Finance is calculated as the average of last 2 to 3 months net income as per your salary slip and same replicating in statement.

Can I prepay my Home loan in PNB Housing Finance?

Yes, you can prepay your House loan in PNB Housing Finance with Nil charges.

How much fee is charged by PNB Housing Finance for Home loan?

Processing fee charged on PNB Housing Finance Home loan is 1.00% with applicable service tax.

Is PNB BT a better option?

PNB offers minimum rate of 8.50% with lowest EMI of Rs. 769 per lakh. If you are paying higher EMI than PNB, then balance transfer is the right option.

Can I check my loan account statement online?

You can login into your PNB Housing Finance online net banking account to get your loan details, track your loan history and make the payment online.

Is buying home loan insurance mandatory?

No, with home loan, home loan protection plans are not mandatory by law, or IRDA or RBI. However, different banks have different policy to safeguard their interest. Hence some banks insist on taking an insurance plan along with loan.

Easy comparison of PNB home loan with other banks

PNB Housing Finance Customer Care Number, Email, Application Status, Branches

City Customer Care Number
Agra 1800-120-8800, loans [at] pnbhousing [dot] com
Ahmedabad 1800-120-8800, loans [at] pnbhousing [dot] com
Ambala 1800-120-8800, loans [at] pnbhousing [dot] com
Anand 1800-120-8800, loans [at] pnbhousing [dot] com
Aurangabad 1800-120-8800, loans [at] pnbhousing [dot] com
Bangalore 1800-120-8800, loans [at] pnbhousing [dot] com
Bhilai 1800-120-8800, loans [at] pnbhousing [dot] com
Bhilwara 1800-120-8800, loans [at] pnbhousing [dot] com
Bhiwadi 1800-120-8800, loans [at] pnbhousing [dot] com
Bhopal 1800-120-8800, loans [at] pnbhousing [dot] com
Bhubaneswar Cuttack 1800-120-8800, loans [at] pnbhousing [dot] com
Bikaner 1800-120-8800, loans [at] pnbhousing [dot] com
Chandigarh 1800-120-8800, loans [at] pnbhousing [dot] com
Chennai 1800-120-8800, loans [at] pnbhousing [dot] com
Cochin 1800-120-8800, loans [at] pnbhousing [dot] com
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Dehradun 1800-120-8800, loans [at] pnbhousing [dot] com
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Greater Noida 1800-120-8800, loans [at] pnbhousing [dot] com
Gurgaon 1800-120-8800, loans [at] pnbhousing [dot] com
Guwahati 1800-120-8800, loans [at] pnbhousing [dot] com
Gwalior 1800-120-8800, loans [at] pnbhousing [dot] com
Hyderabad 1800-120-8800, loans [at] pnbhousing [dot] com
Indore 1800-120-8800, loans [at] pnbhousing [dot] com
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Karnal 1800-120-8800, loans [at] pnbhousing [dot] com
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Kolkata 1800-120-8800, loans [at] pnbhousing [dot] com
Kota 1800-120-8800, loans [at] pnbhousing [dot] com
Kozhikode 1800-120-8800, loans [at] pnbhousing [dot] com
Lucknow 1800-120-8800, loans [at] pnbhousing [dot] com
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Mohali Sas Nagar 1800-120-8800, loans [at] pnbhousing [dot] com
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Nashik 1800-120-8800, loans [at] pnbhousing [dot] com
Noida 1800-120-8800, loans [at] pnbhousing [dot] com
Noida Extn 1800-120-8800, loans [at] pnbhousing [dot] com
Panipat 1800-120-8800, loans [at] pnbhousing [dot] com
Patna 1800-120-8800, loans [at] pnbhousing [dot] com
Pondicherry 1800-120-8800, loans [at] pnbhousing [dot] com
Pune 1800-120-8800, loans [at] pnbhousing [dot] com
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Rajkot 1800-120-8800, loans [at] pnbhousing [dot] com
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Vijaywada 1800-120-8800, loans [at] pnbhousing [dot] com
Vizag 1800-120-8800, loans [at] pnbhousing [dot] com
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