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EMI Calculator

Loan Amount100000 in Lakhs

ROI 8.75

Tenure 30 in Years

EMI Payable per Month


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Documents required

Duly filled Application Form with Photograph

Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)

Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)

Education Qualifications - Latest Degree

Latest Salary-slips for 3 months

Form 16 for last 2 years

Last 6 months Bank Statements(salary account)

Processing Fee Cheque in favour of 'PNB Housing Finance Ltd.'

Photocopy of Title Documents of the Property, Approved Plan

Duly filled Application Form with Photograph

Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)

Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)

Education Qualifications - Latest Degree (for professionals)

Certificate & Proof of business existence along with Business Profile

Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant

Last 12 months Bank Account Statements (self & business)

Processing Fee Cheque in favour of 'PNB Housing Finance Ltd.'

Photocopy of Title Documents of the Property, Approved Plan etc.

FAQs

Home Loan Interest Rate for Amount up to 35 Lakh

Fulfil your dream of a home with the lowest interest rates offered by PNB Housing. We have different slabs for home loan interest rate for salaried�starting at 8.75% and for self-employed�starting at 8.99% only.

Check out the table below for the current home loan rates�on offer, subject to your credit score.

Credit Score Salaried / Self - employed professional (SEP) Self - employed non - professional (SENP)
>= 800 8.75% to 9.25% 8.99% to 9.49%
>775 to 799 8.8% to 9.3% 9.25% to 9.75%
>750 to <=775 8.95% to 9.45% 9.4% to 9.9%
> 725 to < =750 9.25% to 9.75% 9.85% to 10.35%
> 700 to <= 725 9.55% to 10.05% 10.15% to 10.65%
> 650 to <= 700 9.75% to 10.25% 10.15% to 10.65%
upto 650 9.75% to 10.25% 10.15% to 10.65%
NTC Cibil>=170 9.75% to 10.25% 10.15% to 10.65%
NTC Cibil<170 9.75% to 10.25% 10.15% to 10.65%

Home Loan Interest Rate for Amount Above 35 Lakh

Looking for a home loan amount higher than Rs. 35 lakh? No problem! PNB Housing offers the most competitive interest rate on home loan�for applicants who require a higher home loan amount. Check out the table below for more details and keep your�home loan documents�ready for your application!

Credit Score Salaried / Self - employed professional (SEP) Self - employed non - professional (SENP)
>= 800 8.85% to 9.35% 9.25% to 9.75%
>775 to 799 8.9% to 9.4% 9.4% to 9.9%
>750 to <=775 9.05% to 9.55% 9.75% to 10.25%
> 725 to < =750 9.4% to 9.9% 9.9% to 10.4%
> 700 to <= 725 9.75% to 10.25% 10.35% to 10.85%
> 650 to <= 700 9.95% to 10.45% 10.35% to 10.85%
upto 650 9.95% to 10.45% 10.35% to 10.85%
NTC Cibil>=170 9.95% to 10.45% 10.35% to 10.85%
NTC Cibil<170 9.95% to 10.45% 10.35% to 10.85%

Step 1: Submit your loan application along with required set of documents.
Step 2: Your application would be accessed on the basis of various eligibility and funding norms. 
Step 3: A property valuation and title check may be carried out by the company representative to determine the property value and legal clearance of the property to arrive at the loan amount. 
Step 4: Based on the internal and regulatory guidelines, PNBHFL may approve or reject the loan application. 
Step 5: Submission of the original property documents are required along with signing of agreements, handing over of registered property papers and submission of post-dated cheques/ECS.
Step 6: Upon finding all the documents in order, PNBHFL will disburse the loan amount to the developer/contractor based on the progress of construction. The EMI/Pre-EMI will commence after the disbursement. 
You are eligible for a loan if you are a salaried, self- employed professional or a businessman. Your loan eligibility will be determined by PNBHFL on the basis of factors such as income, age, qualifications, number of dependants, co-applicants income, assets, liabilities, stability and continuity of occupation and savings history. Further, the loan eligibility will also be dependent on the value of property selected by you.
We can fund upto 80% of the property value in case of Home Loan and upto 60% in case of Loan Against Property. However, PNBHFL funding norms may change from time to time.
Yes, you can avail re-finance at applicable Home Loan rate within 6 months from the date of property purchase.
Your loan is repaid through Equated Monthly Installments, which include principal and interest component. EMI repayment starts from the subsequent month of full loan disbursement, while Pre-EMI is the simple interest, payable every month till the time loan is fully disbursed.
Salaried Employees Self Employed/Professionals
Duly filled Application Form with Photograph Duly filled Application Form with Photograph
Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority) Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority) Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
Education Qualifications - Latest Degree Education Qualifications - Latest Degree (for professionals)
Latest Salary-slips for 3 months Certificate & Proof of business existence along with Business Profile
Form 16 for last 2 years Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant
Last 6 months Bank Statements(salary account) Last 12 months Bank Account Statements (self & business)
Processing Fee Cheque in favour of 'PNB Housing Finance Ltd.' Processing Fee Cheque in favour of 'PNB Housing Finance Ltd.'
Photocopy of Title Documents of the Property, Approved Plan Photocopy of Title Documents of the Property, Approved Plan etc.

Floating rate is linked with our reference rate PNBHFR and may change from time to time as per the market conditions.
Keeping the borrowers interest in consideration, EMI is kept unchanged till a point. In exceptional situations, the EMI is changed to support the principal repayment within a time frame
The prime security for the loan is by way of deposit of title deeds and/or such other collateral security as may be necessary. The title of the property should be clear, marketable and free from any encumbrances.
Yes, you can prepay your Home Loan any time during the loan tenure. Currently it is free from any charges; however prepayment norms may change from time to time.
You need to contact your nearest PNBHFL branch to get the required documents; we also send income tax statement to all our customers at the end of every financial year.
Property insurance is mandatory in order to protect your property against uncertainties like earthquake, fire or any damage and destruction due to natural and man-made calamities, during the tenure of the loan.
Yes, you can prepay your Home Loan without any charges any time during the loan tenure if the same is under floating rate scheme. For home loan under other schemes, prepayment charges may be applicable, please refer to the schedule of charges under fair practice code section.
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Disclaimer : As regards deposit taking activity of PNB Housing Finance Limited (hereinafter referred to as "the Company", the viewers may refer to the advertisement in the newspaper/ information furnished in the application form for soliciting public deposits. The Company is having a valid Certificate of Registration dated 31.07.2001 issued under Section 29A of the National Housing Bank Act, 1987. However, the Reserve Bank of India or the National Housing Bank does not accept any responsibility or guarantee about the present position as to the financial soundness of the Company or for the correctness of any of the statements or representations made or opinions expressed by the Company and for repayment of deposits/ discharge of the liabilities by the Company.

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