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home loans

home loan by PNB housing


When you think about home loans, your trusted friend Regrob says, go for a PNB housing loan. Whether it’s your dream home or an investment into property, PNB Housing Finance Limited is here to fund your home loan needs. And Regrob feels they are the best, and it will become evident to you as you read further.

At PNB Housing, home loans are provided for purchase, construction and extension of dwelling units. PNB offers customized Home Loan solutions with best-in-class services, full-fledged domain knowledge and simplified loan procedures. Read more about Home Loan upto 30 Lakh


Let us have a look at the Interest rates applicable on PNB housing loan, for this is the first and foremost factor to be considered while applying for a loan.



PNB Housing offers floating rate of interest, linked to its benchmark rate PNBHFR: 14.35% p.a.
Rates are applicable w.e.f. January 6, 2017

Salaried Self employed professionals Self employed non-proffeionals
8.90% 8.90%-9.40% 9.10%-9.60%

 *Rates of interest are subject to change at the sole discretion of PNB Housing.




PNB Housing offers 3 year, 5 year & 10 year Fixed Rate Scheme w.e.f. January 6, 2017



Salaried &Self Employed Professionals

Fixed for 3/5 years Fixed for 10 years
8.80% 9.10%


Self Employed Non-professionals

Fixed for 3/5 years Fixed for 10 years
8.99% 9.30%

Post the fixed rate period, interest rate would automatically get converted into floating rate prevailing at that time for the residual loan amount.

*Rates of interest are subject to change at the sole discretion of PNB Housing.


Home Loan Eligibility

Your age should not be more than 70 years at the time of loan maturity.


Own Contribution

Minimum contribution required from a customer will be 10%* of the total cost of the property (inclusive of stamp duty and registration charges in case of purchase of property).


Loan Amount

Loan Amount Maximum Funding*
Upto Rs 30 lacs 90% of market value
30 lacs and above, upto75 lacs 80% of market value
Above 75 lacs 75% of market value

* Subject to market value of the property and repayment capacity of the individual, as assessed by PNB Housing

Loan eligibility shall be determined by PNB Housing taking into account income, age, qualification and occupation etc.

 Income of borrower(s)/ co-borrower(s) may be clubbed together for calculation of loan eligibility.


Security for the loan is a first charge by way of an equitable mortgage of the property to be financed and/or such other collateral securities as may be deemed fit by PNB Housing.
Additional/ interim security may be required as acceptable to PNB Housing.


Loan Disbursement

Disbursement will be made after the property has been technical        appraised and all legal documentation has been completed.

For purchase of house/ flat from an individual on resale, the loan amount will be paid in lump-sum to the seller at the time of transfer after confirming that the customer has paid his own contribution.

For houses/ flats under construction, the loan amount will be disbursed in stages based on the progress of construction.

A customer has to invest his proportionate share of the cost, prior to disbursement of loan. The loan can be disbursed either in lump sum or installments according to the requirement of the development authority/ society/ private builder. Read more about Disbursement Process of Home Loan in India


Loan Repayment
Loan repayment is in Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques/ Electronic Clearance System over a maximum period of 30 years.

After reading all this necessary information, you may still wonder why you should go for a PNB housing loan. And Regrob has a long list to answer that question of yours. Read on to find out.
PNB Housing excels in providing a complete bouquet of services to customers to meet their Home Loan needs. Ease of applying for a loan with branches spread across India, robust service delivery model and mark to market credit & financial policies help customers build a long term relationship of trust and commitment.

Punjab National Bank


Advantages of taking Home Loan from PNB Housing

Provide an extensive range of home loan products like Home Purchase Loans, Home Construction Loans, Home Extension Loans, Home.  Improvement Loans and Plot Loans.

Pan India branch network.

Robust service delivery model – door step services ensuring easy and fast approval & disbursal of loans.

Excellent post disbursement services

Facility of enhancement in loan amount in the event of escalations in cost.

Dedicated team of well-experienced employees who work on best-in-class information systems & network to deliver and provide customer satisfaction.

High standards of ethics, integrity and transparency. 

Various repayment options.


So, we think these are plenty of reasons to opt for a PNB housing loan.

You will be thanking us later, for sure. Just like Regrob, you put your faith in them.

If you have any more questions you can call us on 9529331331


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