Sales@jkdhomeloan.in
PNB Housing Finance Limited (PNBHFL) offers home loans @ 8.50% p.a. onwards for tenures of up to 30 years and loan amounts of up to 90% of the property’s value. PNB Housing Finance also offers Roshni Home Loans, special affordable housing loan schemes designed for low income applicants having adequate home loan repayment capacity, with or without formal income proofs.
| Particulars | Details |
|---|---|
|
Interest Rate |
8.50% – 14.50% p.a. |
|
Loan Amount |
Rs 8 lakh onwards |
|
LTV Ratio |
Up to 90% of property value |
|
Loan Tenure |
Up to 30 years |
|
Processing Charges |
Up to 1% of loan amount + GST |
|
Minimum Monthly Income |
Rs 15,000 |
|
Minimum Credit Score |
611 and above |
PNB Housing Finance Home Loan interest rates start from 8.50% p.a. onwards, based on the loan amount, credit score, employment type and type of home loan scheme offered to its home loan applicants.
| Particulars | Charges |
|---|---|
|
Processing fees |
0.5% of loan amount subject to a min. of Rs. 10,000 |
|
Part or Full Prepayment Charges |
On the floating rate of interest by the individual borrower: No charges
On the floating rate of interest by non-individual borrower being applicant or co-applicant: 2% of principal prepaid
On the fixed rate of interest by the individual borrower: 3% of principal prepaid; if prepayment is my own source then no fee is applicable
On the fixed rate of interest by non-individual borrower being applicant or co-applicant: 3% of principal prepaid |
|
Cheque/NACH Mandate Form return |
Rs. 500 |
|
CERSAI Fees |
For loans disbursed after January 31, 2016: Rs. 100
For loans disbursed prior to January 31, 2016: Rs. 500 |
|
Conversion of Rate of Interest |
Floating to Floating Rate of Interest: 0.50% of principal outstanding
Fixed to Floating Rate of Interest: 2% of principal outstanding |
|
Overdue Charge |
2% per month on overdue payment |
|
Legal/Recovery/Title Search Fees |
As per actuals |
Allotment letter
Payment receipt
Builder buyer agreement
Permission to mortgage from the respective authority
Agreement to sell
Approved map of the property
All prior deeds from the first allotment of the property
Possession certificate and land tax receipt from relevant authorities
Sale deed/Conveyance deed in favor of the seller
Builder or society provided No Objection Certificate