Punjab National Bank

Punjab National Bank Home Loan Details

8.65% – 8.75%

0.50% of Loan Amount + ST or Max Rs. 20000 + ST

1 year to 30 years

Nil

Nil

Guarantor Required if no co-applicant


Overview


Features of Punjab National Bank Home Loans

  • This loan can be used for the construction of a new house/flat/apartment, purchase of an existing house, land for construction of the house, repairs and renovation of existing building and furnishing.
  • Choose between floating and fixed interest rates.
  • Repayment tenure ranges up to 30 years
  • Fast, transparent process 
  • No hidden costs

Documents Needed


For Salaried:
  • Completed loan application
  • 3 Passport size photographs 
  • Proof of identify (photo copies of Voters ID card/ Passport/ Drivin licence/ IT PAN card
  • Proof of residence (photo copies of recent Telephone Bills/ Electricity Bill/ Property tax receipt/ Passport/ Voters ID card)
  • Proof of business address for non-salaried individuals 
  • Statement of Bank Account/ Pass Book for last six months 
  • Signature identification from present bankers 
  • Personal Assets and Liabilities statement
  • Original Salary Certificate from employer
  • TDS certificate on Form 16 or copy of IT Returns for last two financial years, duly acknowledged by IT Dept
For Self Employed:
  • Completed loan application
  • 3 Passport size photographs 
  • Proof of identify (photo copies of Voters ID card/ Passport/ Drivin licence/ IT PAN card
  • Proof of residence (photo copies of recent Telephone Bills/ Electricity Bill/ Property tax receipt/ Passport/ Voters ID card)
  • Proof of business address for non-salaried individuals 
  • Statement of Bank Account/ Pass Book for last six months 
  • Signature identification from present bankers 
  • Personal Assets and Liabilities statement
  • Acknowledged copies of three years I.T. returns/ Assessment Orders.
  • Photocopies of challans evidencing payment of Advance Income Tax.

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