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PNB Housing Finance Home Loan Balance Transfer

Enjoy tenures of up to 30 years with lower interest rates of 8.50% p.a. through a home loan transfer of up to ₹15 Crores to PNB Housing Finance Limited and conveniently manage your loan online. 
Your Home Loan Balance Transfer EMI
₹ 1,153,370
Total Interest Amount

₹ 265,213,281

Principal Amount

₹ 15,00,00,000

Total Payable Amount

₹ 4

Loan Amount i
Interest Rate
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Min value reached
Max value reached
Tenure
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  • Years
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You can also make instant comparisons between loan offers from multiple providers on Bajaj Markets.

...

 

Furthermore, you can gain deeper insights into your loan instalments with the free amortisation schedule, which is provided with each calculation. 

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Transfer your home loan to PNB Housing Finance Limited and enjoy low interest rates starting from just 8.50% p.a. Apply for this facility through Bajaj Markets and benefit from an easy online transfer process with minimal documentation.

With an [ICRA]AA+ rated lender, you can enjoy lower prepayment or foreclosure charges, with no fee on floating-interest loans. Also, you can repay the loan at your convenience over extended tenures of up to 30 years.

PNB Housing Finance Home Loan Balance Transfer Interest Rates and Charges

When you transfer your home loan to PNB Housing Finance, you can benefit from competitive interest rates that depend on your credit score and employment category. The applicable PNB HFL balance transfer interest rate and other charges are as follows:

Interest Rate

8.50% p.a. onwards

Processing Fee

1% of the loan amount + GST

Prepayment Charges

Up to 3% of the prepaid amount + GST

* No repayment/foreclosure fee on floating-interest loans.

Disclaimer: The mentioned details are subject to change at the lender’s discretion.

Other Fees and Charges for PNB Housing Finance Home Loan Balance Transfer

PNB HFL home loan balance transfer comes with additional charges on HLBT services, including processing fees, prepayment charges, and rate conversion fees. Some of the applicable charges are below:
Particulars Charges

Cheque/eNACH Bounce Charges

₹750 to ₹1,000 + GST

Overdue Charges

Up to 24% p.a. on unpaid EMI for the delayed period

List of Documents Fee

Up to ₹750 + GST

Loan Pre-closure Statement Charges

₹750 + GST

Disclaimer: The mentioned details are subject to change at the lender’s discretion.

Features and Benefits of PNB Housing Finance Home Loan Balance Transfer

Low Interest Rates

With a high credit score, you can benefit from low interest rates starting from just 8.50% p.a. The lender might evaluate your overall financial profile before offering the interest and loan amount. 

Flexible Repayment Options

The repayment tenure is extremely flexible and ranges up to 30 years. This will give you an ample amount of time to plan your repayment strategy and follow to maintain a good repayment history. 

Easy Transfer Process

Transfer your loan balance conveniently with basic documentation. By submitting proper documents, you can make the approval process much quicker.

No Hidden Charges

There are no hidden charges involved in the home loan balance transfer process. This helps you create your financial strategy accurately by covering all the financial ground.

Eligibility Criteria for PNB Housing Finance Home Loan Balance Transfer

Make sure to meet the following requirements to be eligible for a PNB HFL home loan balance transfer:

For Salaried Individuals

  • You must be between 21 and 70 years of age

  • You should be a permanent resident of India

  • You must have a minimum of 3 years of work experience

  • Your monthly income should be ₹18,000 or more

For Self-employed Individuals

  • You must be between 21 and 70 years of age

  • You should be a permanent resident of India

  • You must have at least 3 years of business continuity

  • You must be filing income tax returns

Documents Required for a PNB Housing Finance Home Loan Balance Transfer

Make sure to keep the following documents ready while applying for a PNB HFL Home Loan Balance Transfer:

For Salaried Employees

  • Identity Proof (Any one of the following)

    • PAN card

    • Voter ID

    • Aadhaar card

  • Address Proof (Any one of the following)

    • Aadhaar card

    • Passport

    • Driving licence

  • Income Proof: Form 16 of the last 2 financial years and salary slips of the last 3 months

  • The Latest degree to validate the educational qualification

  • Self-attested copy of the Title Documents of the Property and Approved Plan

For Self-employed Individuals

  • Identity Proof (Any one of the following)

    • PAN card

    • Voter ID

    • Aadhaar card

  • Address Proof  (Any one of the following)

    • Aadhaar Card

    • Passport

    • Driving Licence

  • Income Proof:

    • Business proof and existence (for self-employed applicants)

    • Income Tax Returns (ITR) of the last 3 financial years

  • The Latest degree to validate the educational qualification

  • Self-attested copy of the Title Documents of the Property and Approved Plan

How to Apply for PNB Housing Finance Home Loan Balance Transfer on Bajaj Markets

Follow these simple steps to apply for the transfer facility on Bajaj Markets:

  1. Click on the ‘Check Offer’ button on this page

  2. You will be redirected to the online application form

  3. Select the type of loan you wish to apply for, such as New Home Loan, Balance Transfer, Loan Against Property, or Property Balance Transfer

  4. Choose your occupation category: Salaried or Self-Employed

  5. Enter your mobile number to continue with the eligibility verification

  6. Agree to the terms and conditions and permit the sharing of your details as needed

  7. Click ‘Apply Now’ to submit your application 

After this, a representative will contact you for further proceedings.

How to Check PNB Housing Finance Home Loan Balance Transfer Status

To track your balance transfer status online, always have your reference ID and registered mobile number ready. Track the progress by following these steps:

  1. Visit the PNB HFL webpage

  2. Scroll to the bottom of the page and click on ‘Loan Application Tracker’ under ‘Customer Information’

  3. Enter your mobile number, click on ‘Send OTP’, and verify it to log in

  4. Once logged in, you can easily check the status of your home loan balance transfer

How to Download PNB Housing Finance Home Loan Balance Transfer Statement

After checking your transfer status, you may also need to download your Home Loan Statement from PNB Housing Finance Limited for a balance transfer. You can do so by following these steps:

  1. Visit the PNB Housing Finance website

  2. Scroll to the bottom of the page and click on ‘Customer Login’

  3. Log in with your registered login ID and password

  4. Select the 'Write to us' or 'Service Request' option

  5. Choose 'Loan' as your account type

  6. Select 'Statement of Account' under inquiry type

  7. Enter and validate your Home Loan account number

  8. Submit the request

The system will send the statement to your registered email ID or allow you to download it directly.

PNB Housing Finance Home Loan Balance Transfer Repayment Options

PNB HFL provides flexible repayment options for its balance transfer facility. You can select a plan that aligns with your financial capacity.

  • Standard EMI

You pay a fixed amount every month throughout the loan tenure. The EMI covers both the principal and interest, providing predictable repayment.

  • Step-up EMI Option

With this option, you start with lower monthly payments in the initial years. The EMI gradually increases over time, allowing it to align with your potential growth in annual income. 

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Frequently Asked Questions

What is the minimum interest rate one can get with a PNB Housing Finance Home Loan balance transfer?

Borrowers can benefit from low interest rates starting from just 8.50%. p.a. with this balance transfer facility.

Yes. You can enjoy extended tenures of up to 30 years with this balance transfer facility.

With PNB HFL’s balance transfer facility, you can get more than your remaining loan amount by taking a top-up loan. Getting the loan will be easy if you meet the eligibility criteria.

The process of home loan balance transfer to PNB HFL generally takes 4 to 10 business days. It can vary as per document verification and approval timelines.

A home loan balance transfer is beneficial when the new lender offers a much lower interest rate. This helps reduce EMIs and total interest. The expected savings need to exceed the costs associated with the transfer.

According to RBI guidelines, banks cannot impose a penalty on the transfer of a floating-rate home loan. In the case of fixed-rate loans, the current lender may charge a fee ranging from 1% to 3% of the remaining loan amount.

Following the procedure will have two options. You can either retain the existing insurance policy by updating the nominee or opt for a fresh policy if the new lender requires it.

When you apply for a home loan balance transfer, the lender assesses your repayment history, outstanding loan amount, and the current value of your property. If you meet the eligibility criteria and demonstrate sufficient repayment capacity, a top-up loan may be approved along with the transferred amount.

PNB HFL provides loans for the purchase or construction of commercial properties, including offices and shops. This allows borrowers to manage their finances even during the construction phase.

Women borrowers may be eligible for reduced interest rates. You should check the current eligibility criteria and applicable rates before applying, as preferential offers are designed to encourage and support homeownership among women.

Through this transfer facility, you can lower the payable amount of the loan. This reduction will help you to repay other dues and will improve your credit score. 

Yes, the lender requires income proof to initiate the balance transfer facility to determine your repayment capability. Documents such as salary slips or Income Tax Returns (ITR) will help to assess your repayment capacity.

Yes, PNB HFL offers joint home loan balance transfers. Borrowers can shift their loans from other lenders and benefit from lower interest rates, flexible EMIs, and easy repayment options.

Yes, NRIs can apply for a home loan balance transfer with PNB HFL. They must work abroad, hold an Indian passport or be a Person of Indian Origin, and meet the lender’s home loan eligibility criteria.

Yes. The fee is typically a small percentage of the loan amount, not exceeding 1%, plus applicable taxes. 

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