PNB Housing Finance Limited Home Loan

PNBHFL offers a holistic banquet of specialised banking services that facilitates meeting home loan needs in a smooth and speedy way. Extensive range of home loans services like Home construction loans, Home extension loans, home improvement loans and Plot Loans makes the service delivery model very promising and robust ensuring easy and fast approval of loans. At loanstreet, you can avail easy approval for your home loans.

Minimum Threshold for PNB Home Loan Eligibility
  1. At least 21 years of age.
  2. Salaried/ Self-employed with regular source of income.
  3. Less than 65 years of age.
Documentation Required For Application of PNB Home Loan

Generally all banks follow same guidelines for collecting elementary documents. However there may be little variation with subject to specific requirements. Below listed are the documents that is required to process the loan faster. Self attested copies of Documents are solicited.

  1. The Signed application form duly filled with photograph.
  2. ID/ Age Proof - PAN Card/ Passport/ Aadhar Card and Residence Proof – Passport/ Utility bills/ Bank Statement
  3. Cheque of Processing Fee.
Salaried Individuals
  1. Last 2 years Form 16 or Income Tax Returns
  2. Last 3 months salary slips
  3. Last 6 months bank statement reflecting salary credits
Self employed Individual/ Proprietorship
  1. Proof of Business- Shop and Establishment Certificate/Vat Registration Certificate/ Service Tax Certificates
  2. Last 3 years IT tax returns with profit and loss account and balance sheet duly audited by CA
  3. Latest 12 months bank statement- Savings Account and Current Account
  4. Existing Loans’ Sanction letters accompanied with repayment track
  5. Business profile on the letterhead of the company
Partnership Firm/ Partnership LLP
  • Age proof of all the partners in the form of PAN Card, Passport or Adhar Card
  • PAN Card of the company
  • Residence proof of all the partners –Utility Bills/ Passport/Bank statement/ Registered rent agreement
  • Proof of Business- Shop and Establishment Certificate/Vat Registration Certificate/ Service Tax Certificate
  • Latest 3 years Income Tax returns with profit and loss and balance sheet duly audited by CA.
  • Latest 12 months bank statement of the Company and of the Partners’ Savings Bank Account
  • Partnership deed
  • Existing Loans’ Sanction letters accompanied with repayment track
  • Business profile on the letterhead of the company
Private Limited / Limited Company
  • Application form duly filled with photographs of directors.
  • Age Proof of Directors- PAN Card, Aadhar Card, passport
  • Residence Proof of Directors- Utility Bills/ Passport/Bank statement/ Registered rent agreement
  • PAN Card of Company
  • Education Qualification- A professional qualification certificate in case of Doctors/CA/Architects
  • Proof of Business- Shop and Establishment Certificate/Vat Registration Certificate/ Service Tax Certificate
  • MOA, AOA, List Of Directors, Share Holding Pattern of the Company
  • Last 3 years IT returns with Profit and Loss account and balance sheet duly audited by CA.
  • Latest 12 months bank statement of Company of all current accounts and the same for Director’s Savings Bank Account
  • Existing Loans’ sanction letter with repayment track of company and Individual Directors
  • Business Profile on the Letter Head of the Company
Property Documents
  • Occupancy Certificate
  • Approved Plan of building
  • Share certificate copy
  • Chain of deeds in case of resale property
  • Property Card
  • Nil Encumbrance Certificate- EC ( if applicable)
  • Current Sale agreement/ Draft Agreement
PNB Housing Finance Interest Rates
Rate of Interest 10.15% to 12.00%
Loan Tenure 5 years to 25 years
Processing Fees 0.5 % of the loan amount + tax as applicable
Guarantor Required No guarantor Required
PNBHFL Home Loans - Why?

There is a lot of complication in one’s life when it comes to acquiring a home loan. A home loan that has a longer tenure and has transparent loan terms attracts the customers facilitating a stronger life long relationship.

Unique features of PNB Housing Finance Home Loan
  • Door To Door Step Service
  • There are skilled professional that guides the customers throughout various stages until home loan gets disbursed.

  • PAN India presence
  • PNB Housing Finance home loan services are spread across the country and overseas even in Dubai and Kuwait.

  • Competitive Interest Rates
  • When the market is already so competitive and complex, a favourable PNB interest rates gives the customers the much required comfort in attaining the home loans and turning the dreams into reality.

  • Favourable Loan Schemes
  • There are different loan schemes that may be used for Construction, Extension, Plot purchase, Loans To Professionals etc

  • No Hidden Cost
  • There is high level of transparency in interest rates given by PNB housing finance. Thus, the transactions happen with utmost trust and flexibility.