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How To Get Punjab National Bank Home Loan

Punjab National Bank Home Loan 2022: Punjab National Bank Home Loan In this post, we will give you complete information about PNB Home Loan. If you are thinking of building your dream home, but you are short of money, you can take PNB Home Loan (Punjab National Bank Home Loan). Friends, everyone wants a house of their own, but the biggest problem of all the people is that money is needed to build a new house.

You can take a home loan to solve this problem. In this post, you will know what PNB Home Loan is, the interest rate of this loan, the loan tenure, eligibility is, and you will know how to apply for PNB Home Loan. can do

Punjab National Bank Home Loan

Any citizen of India can take a home loan from Punjab National Bank for home renovation, building a house, or buying a house. First, you have to apply for a PNB home loan, which you can do both online and offline. After applying, if you fulfill all the conditions and rules given by the bank, your home loan will be approved. Let us tell you that PNB offers many different home loan schemes to its customers, and you can easily take advantage of Pradhan Mantri Awas Yojana through PNB.

PNB Home Loan gives for 30 years, and the interest rate of PNB Home Loan starts from 7.35% per annum. The processing fee on this home loan is 0.35% of the loan amount + GST. The loan amount disbursed under a home loan depends on the applicant’s income and CIBIL score. Friends, if the applicant’s income is high and the credit square is good, you can get the maximum loan amount. PNB can give you a home loan above Rs 75 lakh.

Punjab National Bank Home Loan Interest Rate 2022

Friends, before taking a home loan from any bank, you must know about that bank’s home loan interest rate so that you do not face any problem at the time of EMI payment. For example, the interest rate of PNB home loans starts from 7.35% p.a. so that you can easily repay the loan interest rate. Likewise, friends, before taking a personal loan, you should know about the personal loan interest rate (Personal Loan Interest Rate 2022).

Similarly, before taking a home loan, it is also necessary to have information about the Home Loan Interest Rate 2022 (Home Loan Interest Rate 2022). If the interest rate of your PNB Home Loan is high, then the EMI of your loan will also be very high, and more EMI can put you in trouble.

Punjab National Bank Home Loan Amount

The loan amount given under PNB Home Loan is given keeping in mind the applicant’s income and age, CIBIL score, qualifying occupation. The higher the eligibility, the higher the home loan amount you can take.

You can see the loan amount in the following table:

PNB Home Loan AmountMaximum Funding
Upto Rs 30 lacs90% of market value
30 lacs and above, upto 75 lacs80% of market value
Above 75 lacs75% of market value

Punjab National Bank Home Loan Scheme

  • Salaried (Salaried Applicant) and Self Employed (Self Employed) applicants can apply for PNB Home Loan.
  • PNB Home Loan (Punjab National Bank Home Loan) The tenure is 30 years. You can also pay Punjab National Bank Home Loan in Equated Monthly Installments (EMIs).
  • Applicants can easily apply for Punjab National Bank Home Loan by visiting the bank’s official website or visiting the nearest bank branch.
  • Home loans can be taken for home purchase home renovation.
  • And PNB Bank Home Loan offers home loans to its customers at an attractive interest rate, fewer documents, and an easy application process.
  • In this, PNB Bank offers home loan schemes, such as home purchase loans, construction loans, extension loans, home improvement loans, plot loans, etc.
  • If you fulfill all the terms and conditions of a PNB Home Loan, then PNB Home Loan gets approved in a very short time.
  • Punjab National Bank home loan interest rate starts from 7.35% p.a.

Also Read: How To Apply Business Loan In HDFC Bank: HDFC Bank Business Loan

PNB Loan Payment:-

  • PNB pays loan to the applicant on the following conditions.
  • The distribution will be done only after the property is fully appraised and all legal documents are completed.
  • For purchasing a house/flat from an applicant on resale, the loan amount will be paid at the time of transfer to the seller after confirming that the customer has paid his contribution.

Punjab National Bank Home Loan Scheme

  • पंजाब नेशनल बैंक जनरल-नेक्स्ट हाउसिंग फाइनेंस योजना (Punjab National Bank Gen-Next Housing Finance Scheme)
  • प्रधानमंत्री आवास योजना (Prime Minister’s Housing Scheme)
  • पीएनबी प्राइड हाउसिंग लोन (PNB Pride Housing Loan)
  • पंजाब नेशनल बैंक मैक्स-सेवर (Punjab National Bank Max-Saver)
  • पीएनबी जनरल-नेक्स्ट हाउसिंग फाइनेंस योजना (PNB Gen-Next Housing Finance Scheme)

Punjab National Bank Home Loan Eligibility

  • Any Salaried Employed and Non-Salaried Employed (applicant) can apply for PNB Home Loan.
  • Co-applicant is also eligible for PNB Home Loan.
  • Applicant’s age must be from 18 years to 70 years
  • Applicant should have some source of income
  • The applicant should have a good CIBIL score for a PNB home loan.

Punjab National Bank Home Loan Documents For Salaried Applicants

  • Age Proof (PAN Card, Passport, Aadhar Card)
  • Residence Proof (Passport, Driving License, Ration Card, Voter ID)
  • Educational Qualification – Latest Degree
  • three months salary slip
  • Latest Form 16
  • six months bank statement
  • Photocopy of property documents

Documents for Self Employed Applicants

  • Age Proof (PAN Card, Passport, Aadhar Card)
  • Residence Proof (Passport, Driving License, Ration Card, Voter ID)
  • Educational Qualification – Latest Degree
  • three months salary slip
  • Latest Form 16
  • Certificate with Business Proof Profile
  • Returns and profit and loss information for the last three years
  • Bank account statement for the last 12 months
  • Photocopy of documents of the property, approved plan

How to Apply PNB Home Loan Online

  • First of all, go to the bank’s official website, www. pnbhousing. You have to go to com.
  • Now, on the website’s home page, you will see the option of Home Loan. Click on it.
  • After this, you will see the option of Apply Now. Click on it.
  • After clicking here, a registration form will open in front of you.
  • Enter the information requested by the pnb bank correctly – in it, your full name, address, loan information, your kyc documents, and later submit the form.
  • After submitting the application form, the bank official will contact you and verify your documents.
  • Only after that will the bank carry forward the loan process.
  • If you are eligible for Punjab National Bank Home Loan, your loan is approved.
  • The loan amount is transferred to your registered bank account.

How to Apply Offline for PNB Housing Loan

  • If you want to apply offline for a PNB housing loan, you first have to go to your nearest Punjab National Bank branch.
  • After going to the bank, you have to complete the PNB home loan from the bank officer.
  • After that, take a home loan application form from the bank.
  • Fill out that application form properly, enter your name, address, and information related to a home loan, and attach all your documents with it.
  • Now submit your loan application to the bank.
  • Now, your CIBIL score and documents will be checked by pnb.
  • If you fulfill all the terms and conditions, the loan process will be carried forward by the bank.
  • If you are eligible for the loan, your home loan will be approved.
  • PNB Home Loan amount is transferred to your bank account.

How to check home loan status?

  • To check the Punjab National Bank home loan status, you can visit the official website of the bank pnbhousing. to go to com.
  • On the home page, you will see the option of Loan Application Tracker. Click on it.
  • Now, a box opens in front of you.
  • In that box, you enter your mobile number and submit.
  • After submitting, your loan status will be in front of you.

PNB Housing Loan Customer Care Number

  • Toll-free number – 1800 120 8800
  • Email ID: pnbhousing. com

Also Read: RBL Bank YOUnique Credit Card Benefits: Card Online Apply

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