Check Eligibility For PNB Housing Loan

Type of Loan

Is your property identified?

Property Cost? (INR)

Loan Amount (INR)

Loan tenure (in years)

City where property is located at

Mobile Number

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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		“UNNATI” Home Loans (any loan amount)
Credit Score (any loan amount)	HL Salaried/SEP	HL SENP	Salaried / Self-employed professionals	Self-employed
up to 650	9.75%	10.15%	11.75%	13.00%
> 650 to < 700	9.75%	10.15%
> 700 to < 725	9.55%	10.15%
> 725 to < 750	9.25%	9.85%
>=750 to <775	8.95%	9.40%
>=775 to 799	8.80%	9.25%
>= 800	8.50%	8.80%

For loan amounts greater than INR 35 lakhs

Pricing Grid applicable for Home Loans
Floating Scheme	Normal Home Loans		“UNNATI” Home Loans (any loan amount)
Credit Score (any loan amount)	HL Salaried/SEP	HL SENP	Salaried / Self-employed professionals	Self-employed
up to 650	9.95%	10.35%	11.75%	13.00%
> 650 to < 700	9.95%	10.35%
> 700 to < 725	9.75%	10.35%
> 725 to < 750	9.40%	9.90%
>=750 to <775	9.05%	9.75%
>=775 to 799	8.90%	9.40%
>= 800	8.50%	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)	NRPL-Unnati
upto 650	11.35%	11.35%	11.35%	11.35%	11.35%	13%
> 650 to < 700	11.35%	11.35%	11.35%	11.35%	11.35%	13%
> 700 to < 725	11.35%	11.35%	11.35%	11.35%	11.35%	13%
> 725 to < 750	10.90%	10.90%	10.90%	11.35%	10.90%	13%
>750 to <775	10.50%	10.50%	10.50%	11.35%	10.50%	13%
>775 to 799	9.90%	9.90%	9.90%	11.35%	9.90%	13%
>= 800	8.99%	8.99%	8.99%	11.35%	9.65%	13%

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.

Check Eligibility For PNB Housing Loan

1. Pricing grid applicable for retail Home loans:

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

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