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PNB Housing Loan against Property
PNB Housing Loan against Property
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PNB Housing Loan against Property
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PNB Housing Loan against PropertyHere are a few factors
| Location | PAN India |
| CIBIL Score | 650+ |
| Applicant | Any Salaried & Self Employed |
| Applicant Age | Minimum-21 Year, Max- Govt Employee-75 Year, Salaried-65 year, Self Employed-70 Year |
| Loan Amount & Tenure | 5
Lac- 10 Cr ( 5 Year to 15 Year) |
| Login Fees | 5900 |
| Rate of Interest & Type | 1.
Roshni- 11.50% to 15% (Salaried), 13% to 15% (Self Employed) 2. Prime 10.50% to 15% (Reducing) |
| TAT | 7 days |
| Processing Fees | Roshni-1.50%, Prime-1% |
| Foreclosure Charges | 2%-4% |
| Insurance | As per Age |
| Minimum Business Vintage | 3 Year |
| Lock In Period | Yes |
| Part Payment Allowed | No |
| LTV | Residential-70%, COmmercial-65%, Plot-50% |
| Product | BT+Top UP, Fresh Loan, Seller BT, LRD |
| Program | Banking
Program-3 Cr, GST Program-3 Cr, Cash Rental-1 Cr(50% of Rent), Gross Margin-1 Cr,Low LTV -3 Cr, BT+Top Up-5Cr, Without ITR -50 Lac, LRD-2 Cr |
| FOIR | Salaried:<50k-50%,50K-1 Lac-55%, >1 lac-60%, Self Employed-100% of income |
| Cautious Profile | Jewellers, Gym, Police |
| Negative Profile | Politician, Builders, People living in dominating area |
| Funded Property | (i) Residential Property (ii) Commercial Property (iii) Residential & Commercial Plot |
| Neagtive Property | Khasra Khatauni, Legal & Technical not clear, Industrial Property, Basement, School, Hospital, Stone Slab, Farm House, Gift Deed, GPA, Current Sale Deed, Hotel, Restaurent, Multi Tanented Unit, PG, Property in demolition List |
| Accepted Collateral | Other than Negative Property |
| Minimum Job Experience for Salaried Person | 2 Year |
| Experience with Current Employer | 3 Month |
| Any Specific Product for Professionals | No |
| USP | (i)
Auction Purchase . (ii) Seller BT even if Seller is NPA |
| Additional | (i)
Lal Dora upto 50 Lac (ii) Without MAP Property upto 50 Lac (iii) Gram Panchayat Property also doing |
PNB Housing Loan against Property EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
| Loan Amount | ₹100,000 |
| Interest % | 10 % |
| Tenure (months) | 12 |
| Emi (monthly) | ₹ 8,792 |
| Total Interest | ₹ 5,499 |
| Loan Amount + Interest | ₹ 105,499 |
| Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ₹ 24,076 | ₹ 2,300 | ₹ 26,376 | ₹ 75,924 | 24.08 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ₹ 75,929 | ₹ 3,199 | ₹ 79,128 | ₹ 0 | 100.01 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Work Process
Save Your Time with a Simple Loan Process
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, you will receive your loan amount shortly.
Required Documents to Apply for PNB Housing Loan against Property
Salaried income documents
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KYC of applicant & Co-Applicant
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Last 3 Month Salary Slip of Applicant
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Last 12 month Bank Statement of applicant & co-applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 2 Year Form 16 of applicant
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26AS of last 2 year of applicant & co-applicant
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Appointment letter of applicant if available
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Agreement to Sale if purchase case
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Property Paper with complete chain of last 13 years
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LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
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Sanction letter of all running loan
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Latest utility Bill if owned residence or rent agreement if rented
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2 Reference with contact details
Self Employed person documents
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KYC of applicant & Co-Applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 3 year audited balance sheet of applicant
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Last 3 year Tax audit report of applicant
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Last 12 month Bank Statement of applicant & co-applicant
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26AS of last 2 year of applicant & co-applicant
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Copy of GST registration
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Copy of MSME registration
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Copy of Last 12 month GST return
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Agreement to Sale if purchase case
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Property Paper with complete chain of last 13 years
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LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
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Sanction letter of all running loan
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Debt Sheet
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Latest utility Bill of residence if owned or rent agreement if rented
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Latest utility Bill of Office if owned or rent agreement if rented
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2 Reference with contact details
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Last 3 year Debtors & Creditors on letter head
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List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP
Some Important Points
If Applicant is
- Company-MOA, AOA, COI , PAN Card
- Partnership Firm/LLP- Partnership Deed & PAN Card
- Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
- KYC means Adhaar Card, PAN Card, Passport Size Photo
Co-Applicant means in case of
- Company : Directors
- Partnership firm/LLP : Partners
- Proprietorship Firm : Spouse of Proprietor
3. If applicant is professional, then his professional degree is required
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