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Check Eligibility For PNB Housing Loan

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PNB Housing Loan

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:

Pricing Grid applicable for Home Loans
Floating Scheme Normal Home Loans “UNNATI” Home Loans (any loan amount)
Credit Score (any loan amount) HL Salaried HL SENP Salaried / Self-employed professionals Self-employed
Credit Score less than zero 9.25% 9.45% 10.75%
(PNBHFR + 235 bps)
12.00%
(PNBHFR + 355 bps)
upto 650 9.25% 9.45%
> 650 to < 700 8.95% 9.15%
> 700 to < 750 8.85% 9.05%
> 750 to < 800 8.75% 8.95%
>= 800 8.60% 8.85%
  • Cases approved under special program will be charged higher rates above the existing grid (except Unnati cases) as follows: Banking (+0.50%), 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) NRPL-Unnati
Credit Score less than zero 10.35% 10.25% 10.25% 10.75% 10.25% 12%
upto 650 10.35% 10.25% 10.25% 10.75% 10.25% 12%
> 650 to < 700 10.25% 10.10% 10.10% 10.75% 10.10% 12%
> 700 to < 750 10.00% 9.90% 9.90% 10.75% 9.90% 12%
> 750 to < 800 10.00% 9.90% 9.90% 10.75% 9.90% 12%
>= 800 9.90% 9.80% 9.80% 10.75% 9.80% 12%
  • Cases approved under special program will be charged higher rates above the existing grid (except Unnati cases) as follows: Banking (+0.50%), 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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