michael mac pro services
Address: No:2, 4th Avenue, Newyork, USA, Near to Airport
Send an enquiry
Address: No:2, 4th Avenue, Newyork, USA, Near to Airport
Let’s take a brief overview of PNB Housing Finance Home Loan:
| Loan Amount | Up to 90 % of the property cost |
|---|---|
| Rate of interest | 8.50% - 10.75% onwards |
| Tenure | Up to 30 Years |
| Lowest EMI possible | Rs. 787 Per Lakh |
| Processing fee | Up to 0.50% of the loan amount |
| Prepayment/ Foreclosure Charges | Nil for floating home loan |
The Key features of PNB Housing Finance are:
PNB Housing Finance Home loans are available at floating rates and vary as per the borrower's credit score. The PNB Housing Home Loan Interest Rates are linked to its benchmark rate PNBHFR.
With effect from 10th Apr 2023, the rate of interest for PNB Housing are as below:
| Credit Score | Salaried or Self-employed professional (SEP) | Self-employed non-professional (SENP) |
|---|---|---|
| 800 or above | 8.75% to 9.25% | 8.80% to 9.30% |
| 775 - 799 | 9.10% - 9.60% | 9.55% - 10.05% |
| 750 - 775 | 9.25% - 9.75% | 9.70% - 10.20% |
| 725 - 750 | 9.55% - 10.05% | 10.15% - 10.65% |
| 700 - 725 | 9.85% - 10.35% | 10.45% - 10.95% |
| 650 - 700 | 10.25% - 10.75% | 10.65% - 11.15% |
| Up to 650 | 10.25% - 10.75% | 10.65% - 11.15% |
| Low credit or no history | 10.15% - 10.65% | 10.55% - 11.05% |
| Credit Score | Salaried or Self-employed professional (SEP) | Self-employed non-professional (SENP) |
|---|---|---|
| 800 or above | 8.75% to 9.25% | 8.80% to 9.30% |
| 775 to 799 | 9.20% - 9.70% | 9.70% - 10.20% |
| 750 to 775 | 9.35% - 9.85% | 10.05% - 10.55% |
| 725 to 770 | 9.70% - 10.20% | 10.20% - 10.70% |
| 700 to 725 | 10.05% - 10.55% | 10.65% - 11.15% |
| 650 to 700 | 10.45% - 10.95% | 10.85% - 11.35% |
| up to 650 | 10.45% - 10.95% | 10.85% - 11.35% |
| less than zero | 10.35% - 10.85% | 10.75% - 11.25% |
| Unnati Home Loan | 11.75% - 13.00% |
| Home Loans under special programs | Banking + 0.25% to applicable rate LIP + 0.50% to applicable rate Rental Income Program + 0.50 to applicable rate % |
| Plot purchase (not Purchase + Construction) | + 1% to HL Grid rate |
| Home Improvement Loan |
|
| Top-up Loans | As per Non Home Loan i.e LAP |
| Lender | Maximum Loan Amount | Interest Rate | Processing Fee |
|---|---|---|---|
| PNB Housing Finance | Up to 90% of the property | 8.50% - 10.75% | Up to 0.50% (Minimum Rs. 10,000) |
| HDFC Home Loan | Up to 90% of property cost | 8.50% - 9.15% | Up to 0.50% or Rs. 3,000 (whichever is higher) + applicable taxes |
| ICICI Home Loan | Up to 90% of the property | 9.00% - 10.05% | 0.50% - 2% or Rs. 1,500 (Rs. 2,000 for Mumbai, Delhi & Bangalore), whichever is higher + GST |
| SBI Home Loan | Up to 90% of property cost | 8.40% - 10.05% | Up to 0.35% + applicable GST |
PNB Housing Finance offers the following types of Home Loans to customers:
PNB HFL Home Purchase Loan:
PNB HFL Home construction loan:
PNB HFL Home extension loan:
PNB HFL Home improvement loan:
PNB HFL Residential Plot Loan:
PNB HFL Home Loan for NRIs:
PNB Unnati Home Loans:
| Floating Scheme | UNNATI Home Loans | |
|---|---|---|
| Loan Amount>> | Salaried/ | Self-employed |
|
Any Cibil Score/ Any Loan Amount |
11.75% | 13.00% |
PNB Pradhan Mantri Awas Yojana:
Pradhan Mantri AwasYojana (PMAY) is a credit-linked subsidy scheme for EWS (Economical Weaker Section), LIG (Lower Income Group), MIG (Middle Income Group). This scheme was announced by our honourable Prime Minister Sh. Narendra Modi. This scheme is meant for first time home buyers and comes with an interest subsidy of up to Rs 2.67 Lakh.
You can use TheMoneyTrunk Home Loan EMI Calculator for assessing the load of EMI for PNB Housing Finance Home Loan. It is the best tool for assessing Home Loan EMI. You can effortlessly estimate the cost of a home loan and plan your monthly budget accordingly.
Using EMI calculator is very easy. You can use MMM calculator as an instant PNB Housing Home Loan Calculator. Just enter the loan amount along with the time period of the loan and the rate of interest. EMI calculator gives you bifurcation of the entire loan tenure, which helps you plan your EMI and tax obligation accordingly.
PNB Housing Finance Home Loan EMI Calculation
Let’s use EMI Calculator and find out EMI for PNB Housing Loans with different combinations of Home Loan Amount and tenor. Below we have calculated EMI for Rs. 10 Lakh, 20 Lakh, 30 Lakh, 40 Lakh, 50 Lakh and 60 Lakh PNB Housing Finance Home Loans for 10, 20 & 30 years respectively.
| Loan Amount | 10 years | 20 years | 30 years |
|---|---|---|---|
| 10 lakh Home Loan EMI | Rs. 12,533 | Rs. 8,837 | Rs. 7,867 |
| 20 lakh Home Loan EMI | Rs. 25,065 | Rs. 17,674 | Rs. 15,734 |
| 30 lakh Home Loan EMI | Rs. 37,598 | Rs. 26,511 | Rs. 23,601 |
| 40 lakh Home Loan EMI | Rs. 50,131 | Rs. 35,348 | Rs. 31,468 |
| 50 lakh Home Loan EMI | Rs. 62,663 | Rs. 44,186 | Rs. 39,335 |
| 60 lakh Home Loan EMI | Rs. 75,196 | Rs. 53,023 | Rs. 47,202 |
*For purpose of EMI calculation, flat rate of Interest @ 8.75% p.a. is considered. The calculation is indicative only and will change as per effective rate of interest offered to you
Salaried as well as self-employed residents as well as non-resident Indians can apply
Eligibility for PNB Housing Finance Home loan is assessed basis following criteria:
To improve the PNB housing loan eligibility income of borrowers and co-borrowers can be considered cumulatively.
Other PNB Housing Home loan eligibility requirements-
Borrower's age: 21 to 70 years
Loan amount: Subject to property value & repayment capacity.
Here is a list of documentation required for PNB Housing Home Loans:
| Type of document | List of self-attested documents |
| Loan application |
|
| Age proof (any one) |
|
| Residence proof (any one) |
|
| Educational qualifications |
|
| Income proof |
Salaried Individuals
Self-employed individuals
|
| Others |
Processing fee cheque in favour of PNB HFL Photocopy of title documents of the property, Approved Plan etc. |
Fees and charges associated with PNB Housing Finance Home Loan are:
| DESCRIPTION OF CHARGES | APPLICABLE CHARGES |
|---|---|
| Loan Processing Charges (Non-refundable) | Up to 0.50% of loan + applicable service tax |
| Foreclosure charges | Zero prepayment/ foreclosure charges |
The customer care service at PNB Housing is very competent and responsive. Apart from the toll-free number, you can also drop your queries and complaints to their email id. Also, to check PNB housing finance Home loan status, you contact customer care.
Customer care executives can speak English and Hindi fluently. The toll-free number is active 24 x 7. If you have mailed your grievance, you should expect a reply or a call back within three working days.
Contact details:
PNB Housing Finance Ltd.
9th Floor, Antriksh Bhavan,
22 Kasturba Gandhi Marg,
Near Connaught Place,
New Delhi 110001
Phone Number: 1800 120 8800
Email Address: [email protected]
CIN: L65922DL1988PLC033856
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
We are fastest growing service provider with aim to generate more profit for our franchises and partners.
Address: 153-154/5 OLD, PLOT 14, SATYAM PLAZA, Civil Lines, Gurugram, Gurugram, Haryana, 122001.
Phone: +91 9999 000797
Email: [email protected]
Copyright © 2023 TheMoneyTrunk. Proudly powered by Rupi Bazaar
Home
Search
Cards
Loan
Insurance
Blogs
Support