PNB Housing Loan : Apply Online
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Check Eligibility For PNB Housing Loan

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Features :

  • Fast, transparent process with zero hidden charges.
  • Enjoy flexible or graduated repayment option.
  • Shift your existing home loan from another insurer to PNB and enjoy lower EMI.

Loan amounts are disbursed as per the following structure-

  • For purchase/construction/additions to house- Depends on requirement.
  • For home renovations/repairs- Rs. 25 lakhs (max)
  • For furnishing the house- Rs. 5 lakhs (max)

For purchasing a new plot of land- Rs. 50 lakhs (max)

1. Pricing grid applicable for retail Home loans:

For loan amount up to INR 35 lakhs

Pricing Grid applicable for Home Loans
Floating Scheme Normal Home Loans “Roshni” Home Loans (any loan amount )
Credit Score (any loan amount) HL Salaried/SEP HL SENP Salaried  Self Employed  Loan-Against Property
NTC Cibil <= 170 10.05% 10.45% 10.50% to 14.25% 11.50% to 14.50% 11.50% to 15%
NTC Cibil > 170 9.95% 10.35%
up to 650 10.15% 10.65%
> 650 to < = 700 10.15% 10.65%
> 700 to < = 725 9.75% 10.45%
> 725 to < = 750 9.40% 10.10%
>=750 to < = 775 9.15% 9.70%
>=775 to 799 9.05% 9.55%
>=800 to 825 8.80% 8.90%
>= 825 8.25% 8.55%

 

For loan amounts greater than INR 35 lakhs

Pricing Grid applicable for Home Loans
Floating Scheme Normal Home Loans “Roshni” Home Loans ( any loan amount )
Credit Score (any loan amount) HL Salaried/SEP HL SENP Salaried Self Employed Loan-Against Propety
NTC Cibil <= 170 10.25% 10.65% 10.50% to 14.25% 11.50% to 14.50% 11.50% to 15%
NTC Cibil > 170 10.15% 10.55%
up to 650 10.35% 10.85%
> 650 to < 700 10.35% 10.85%
> 700 to < 725 9.95% 10.65%
> 725 to < 750 9.55% 10.15%
>=750 to <775 9.25% 10.05%
>=775 to 799 9.15% 9.70%
>=800 to 825 8.85% 8.95%
>= 800 8.25% 8.55%
  • Cases approved under the special program will be charged higher rates above the existing grid (except Unnati cases) as follows: Banking (+0.25%), LIP (+0.50%), and Rental Income Program (+0.50%)
  • Plot Purchase (not classified as Plot Purchase + Construction) will be charged 1% higher rates above the existing “Home Loan" grid.
  • Home Improvement Loan up to 25% of the IHL sanction amount will be priced at “Home Loan” card rates.
  • Stand-alone home improvement loans up to INR 25 Lakh will be at “Home Loan” card rates.
  • Home Extension (HEL) will be at Home Loan Rates of interest.
  • Top-up Loans will be priced as per the card rates of "Non-Home Loan".

2. Pricing grid applicable for retail Non-Home loans:

Pricing Grid applicable for Non-Home Loans
Credit Score (any loan amount) Loan against commercial property Loan against residential property (LAP) Lease Rental Discounting (LRD) Loan against Plot/ Loan against Special Property (Residential/ Commercial) Loan for purchase of non-residential property (NRP)
NTC Cibil <= 170 11.80% 11.80% 11.80% 11.80% 11.80%
NTC Cibil > 170 11.55% 11.55% 11.55% 11.55% 11.55%
upto 650 11.90% 11.90% 11.90% 11.90% 11.90%
> 650 to < 700 11.90% 11.90% 11.90% 11.90% 11.90%
> 700 to < 725 11.65% 11.65% 11.65% 11.65% 11.65%
> 725 to < 750 11.15% 11.15% 11.15% 11.15% 11.15%
>750 to <775 10.85% 10.85% 10.85% 10.85% 10.85%
>775 to 799 10.35% 10.35% 10.35% 10.35% 10.35%
>800 to 825 9.85% 9.85% 9.85% 9.85% 9.85%
>= 825 9.00% 9.00% 9.00% 9.00% 9.00%
  • Cases approved under special program will be charged higher rates above the existing grid (except Unnati cases) as follows: Banking (+0.25%), LIP (+0.50%) and Rental Income Program (+0.50%)
  • Top-up Loans will be priced as per the card rates of "Non-Home Loan".
  • Special property is defined as Educational Institutes/ Hotels/ Schools/ Hospitals/ Industrial sheds.
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