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Get PNB Housing Finance Home Loan at 8.50% p.a., with amounts up to ₹15 Crores and a maximum tenure of 30 years on Bajaj Markets.
Starting Interest Rate
Max. Loan Amount
Max. Tenure
Apply for a PNB Housing Finance Home Loan on Bajaj Markets and borrow up to ₹15 Crores at a PNB home loan interest rate starting from 8.50% p.a. Get tenures of up to 30 years, simple eligibility, and a hassle-free online process.
Here are the PNB home loan interest rates and charges applicable to these home loans:
Interest Rate |
8.50% p.a. onwards |
Processing Fees |
Up to 0.50% of the loan amount. |
Prepayment/Foreclosure Charges |
|
*Disclaimer: The above-mentioned rates and charges are subject to change at the lender’s discretion
In addition to the PNB home loan processing fee, the following charges may apply when you borrow from PNB Housing Finance:
Penal Interest Rate |
Up to 2% |
Cheque/NACH Mandate Form Return (Bounce Charges) |
|
Loan Pre-closure Statement |
₹750 + GST |
CERSAI Charges |
Up to + GST |
Legal Recovery Charges |
At actuals |
*Disclaimer: The mentioned rates are subject to change at the lender’s discretion.
Borrow up to ₹15 Crores and realise your dream of owning a home
Repay your loan over tenures ranging up to 30 years
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Enjoy interest rates starting from just 8.50% p.a.
Get a loan up to 90% of the property value
Your PNB Housing Finance Home Loan eligibility depends on several factors, such as your income, credit score, employment type, and repayment capacity. Key criteria are listed below:
Eligibility Criteria |
Details |
|---|---|
Age |
21 to 70 years |
Minimum Income |
₹18,000 per month |
Minimum Work Experience |
3 years (applicable for salaried individuals) |
Minimum Business Vintage |
5 years (applicable for self-employed individuals) |
*Disclaimer: The information mentioned above is subject to change as per the lender’s terms and policies
Having the necessary PNB housing loan documents required ready in advance can streamline your application process and speed up approval.
Here are documents required:
Identity Proof: PAN card, voter ID, Aadhaar card, etc.
Address proof: Aadhaar card, passport, driving licence, etc.
Income Proof:
1. For Salaried Applicants: Salary slips of the last 3 months and Form 16 of the last 2 financial years
2. For Self-employed Applicants: Certificate and proof of business existence, as well as ITR filings of the last 3 financial years
Latest degree to validate educational qualifications
Self-attested copy of the title documents of the property and approved plan
PNB Housing Finance offers a wide range of loan products to meet different needs. Whether you are buying a ready property, constructing a house, or renovating your current home, you can choose from the following options:
Finance for purchasing a ready-to-move property or an under-construction home
Finance for purchasing a residential plot for future construction
Finance for building a house on an owned plot
Finance for adding more space to your existing home
Finance for repairs, remodelling, or upgrades
Finance for non-resident Indians looking to invest in property in India
Knowing the applicable PNB housing loan interest rate for your chosen loan type can help you plan repayments more effectively.
You can apply for this loan on Bajaj Markets in a few simple steps:
Click ‘Check Offer’ on this page
Fill in the application form with your basic details
Select ‘PNB Housing Finance’ from the list of lenders
Enter your preferred loan amount and property details
View your loan offer, including all charges and the net disbursal amount
After this, a bank representative will contact you to complete the process.
You can easily track your loan application status online. Follow these steps:
Visit the official status tracking page https://www.pnbindia.in/LoanApplicationStatus.aspx
Select Loan Type as ‘Housing Loan’
Enter your ‘Reference ID’
Input the captcha code as displayed
Click on ‘Go’ to view your current application status
PNB Housing Finance offers convenient online repayment facilities to make your EMI payments hassle-free. Here’s how you can proceed:
Visit the repayment portal page https://loanrepay.mypnb.in/
Enter your Account Number
Fill in the Captcha Code shown on the screen
Click ‘Validate’ to proceed with payment
By knowing the PNB housing finance home loan interest rate, you can plan your repayment schedule more efficiently and ensure timely EMI payments.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
The PNB Housing Finance Home Loan is an excellent option for borrowers who prefer home loans at a fixed rate. PNB offers excellent service with faster home loan processing. Furthermore, you can apply for a range of housing loan schemes as per your eligibility and repayment capacity.
The Punjab National Bank Housing Finance Home Loan enables you to borrow up to ₹15 Crores. However, this is subject to your creditworthiness, repayment capacity, and eligibility.
The co-applicants can be any immediate family member, including a spouse, parent, sibling, or child. However, the co-applicant must have a regular source of income and meet the lender's eligibility criteria.
The current PNB Housing Finance Home Loan interest rates start from 8.50% p.a. The rate offered to you depends on your eligibility for the loan.
PNB Housing Finance offers an LTV ratio of up to 90% and 75% for home purchases costing up to ₹30 Lakhs and over ₹75 Lakhs, respectively. An LTV ratio of 80% is offered for homes with prices within the range of ₹30 Lakhs to ₹75 Lakhs. This is as per the guidelines set by RBI for home loans.
Yes. You may be able to get two home loans from PNB Housing Finance at the same time. However, this is subject to your loan eligibility and the lender’s policies.
The PNB home loan processing fee is up to 0.50% of the sanctioned loan amount.
Yes. PNB Housing Finance offers loans for ready-to-move, under-construction, and resale properties.
For individuals, there are no foreclosure charges. For non-individual entities, the charge is 2% of the remaining loan balance plus applicable GST.
The processing time varies, but loans are generally processed within a few working days once all required documents are submitted.
Yes. You can transfer your existing home loan from another lender to PNB Housing Finance, often at a competitive PNB housing loan interest rate starting from 8.50% p.a.
Customer support can assist with loan application tracking, EMI queries, repayment issues, statement requests, and addressing any service-related grievances.
You can request your statement through customer care, visit the nearest branch, or log in to the official PNB Housing Finance portal using your loan account details.
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