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Home Loan
🏦 PNB is India’s trusted public-sector bank offering safe, affordable and customer-friendly home loans with transparent charges, flexible tenure and strong nationwide service support.
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NEVER BEEN SO EASY
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🧱 PNB Home Loan – Types, Interest Rates, Features & Loan Details
Simple, secure and flexible housing finance designed for every income group and property type.
📊 PNB Home Loan Types, Interest Rates, Tenure, LTV & Maximum Loan Amount
| Loan Type | Key Features | Floating Interest Rate | Fixed Interest Rate | Maximum Tenure | LTV | Loan Amount |
|---|---|---|---|---|---|---|
| PNB Home Loan – Housing Finance | Buy ready/under-construction/resale home | 8.40% – 10.90% | 9.10% – 11.40% | Up to 30 years | Up to 90% | ₹2 lakh – ₹5 crore |
| PNB Max Saver (Overdraft Home Loan) | Pay interest only on used amount | 8.65% – 10.75% | Not Offered | Up to 20 years | Up to 75% | ₹5 lakh – ₹3 crore |
| PNB Plot Purchase Loan | For buying residential plots | 8.75% – 11.00% | 9.30% – 11.50% | Up to 20 years | 70%–80% | ₹2 lakh – ₹1 crore |
| PNB Home Construction Loan | Build home on your plot | 8.50% – 10.95% | 9.20% – 11.40% | 30 years | Up to 90% | ₹5 lakh – ₹3 crore |
| PNB Home Improvement Loan | Renovation, repair, interiors | 9.00% – 11.50% | 9.80% – 12.00% | 15 years | Up to 85% | ₹50,000 – ₹50 lakh |
| PNB Home Extension Loan | Add rooms/floors/extensions | 8.90% – 11.25% | 9.60% – 11.90% | 20 years | 75%–85% | ₹2 lakh – ₹75 lakh |
| PNB NRI Home Loan | For NRIs working abroad | 9.25% – 11.75% | 10.00% – 12.50% | Up to 30 years | Up to 80% | ₹10 lakh – ₹2 crore |
| Balance Transfer + Top-Up | Switch loan & reduce EMI | From 8.40% | Not Offered | Remaining tenure | As per norms | Based on outstanding |
✨ PoketCare Pro Tip: Always compare floating vs fixed rates before applying. Even a 0.20% difference can save you thousands every year.
🛡 Home Loan Insurance Recommendation
Protect your family from financial burden in case of uncertainties.
✔ Recommended Insurance Options
- Home Loan Protection Plan (HLPP) – Covers outstanding loan in case of life risks
- Term Insurance + Home Loan – Cost-effective long-term security
- Property Insurance – Protects structure & valuables
- Fire & Natural Disaster Cover – Mandatory in many cases
✨ PoketCare Pro Tip: Always club your home loan with credit-linked home insurance. It secures your family and protects your property from unforeseen risks.
👨👩👧 Ideal Borrowers & Eligibility Criteria – PNB Home Loan
Designed for easy approval for salaried, self-employed and NRI buyers.
✔ Ideal Borrowers
- Salaried professionals
- Business owners & self-employed individuals
- First-time home buyers
- NRIs planning to buy/acquire property in India
- Borrowers looking to refinance existing home loans
📌 Eligibility Criteria
- Age: 18 – 70 years
- CIBIL Score: 700+ (best offers above 750)
- Income:
- Salaried: Min ₹20,000/month
- Self-employed: Min ₹2.5 lakh annual income
- Work Experience / Business Vintage:
- Salaried: 1 year+
- Self-employed: 3 years+
- Property: Must be in bank-approved location
✨ PoketCare Pro Tip: Maintain CIBIL 750+ for lowest interest rates. Even a 20-point difference can impact your EMI heavily.
📄 Documents Required for PNB Home Loan
Faster approval with simple and clear documentation.
📋 Salaried Applicants
- Aadhaar, PAN, Address proof
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 / ITR
- Employment ID
- Property documents
📋 Self-Employed Applicants
- Aadhaar, PAN, Address proof
- ITR for last 2–3 years
- GST certificate / Business license
- Business financials (P&L, Balance Sheet)
- 12 months bank statement
- Property papers
📋 NRI Applicants
- Passport, Visa, OCI/PIO
- Overseas address proof
- Work permit / job contract
- NRE/NRO bank statements
- Indian ITR (optional)
- Property documents
✨ PoketCare Pro Tip: Upload documents in PDF/JPEG under 2 MB for instant digital verification.
💸 H2: PNB Home Loan Charges
Transparent fee structure designed to help you calculate your actual borrowing cost.
📊 All Charges Applicable on PNB Home Loan
| Charge Type | Amount / Range |
|---|---|
| Processing Fee | 0.35% – 0.50% of loan amount |
| Documentation Charges | ₹1,000 – ₹2,500 |
| Legal & Technical Fee | ₹3,000 – ₹10,000 |
| Stamp Duty & Registration | As per state govt. |
| Prepayment Charges (Fixed Rate) | 2% – 4% |
| Prepayment (Floating for Individuals) | NIL |
| Late Payment Penalty | 2% per month |
| EMI Bounce Charge | ₹500 – ₹1,000 |
| Conversion/Renegotiation Fee | ₹5,000 – ₹15,000 |
✨ PoketCare Pro Tip: While comparing lenders, calculate total cost—not just the interest rate.
🌟 Benefits of PNB Home Loan (Why Borrowers Prefer It)
A trusted bank with customer-friendly lending policies.
✔ Key Benefits
- Competitive interest rates
- Long tenure up to 30 years
- High LTV up to 90%
- Tax Benefit
- PMAY Scheme
- Low processing fee
- Transparent charges
- Special schemes for women borrowers
- Doorstep service for documentation
- Quick digital approval
- Balance transfer + top-up available
- Trusted PSU bank safety
✨ PoketCare Pro Tip: Use the PNB Max Saver overdraft option if you receive bonuses, incentives or variable income. It reduces your interest drastically.
🔗 Useful Links for Home Loan Borrowers
🧮 Home Loan EMI Calculator
📈 Check CIBIL Score
🏡 PMAY Subsidy Details
🔄 Home Loan Balance Transfer Guide
📘 Home Loan Insurance Explained
✨ PoketCare Pro Tip: Always check PMAY eligibility—many borrowers unknowingly skip ₹2.67 lakh subsidy.
🏁 Conclusion – Why Apply PNB Home Loan via PoketCare?
PNB offers trusted home loan solutions with low rates, high LTV and flexible tenure. But applying via PoketCare gives you extra benefits—AI-powered lender matching, lowest EMI options, zero paperwork, faster approval and exclusive deals.
Your dream home becomes affordable, easier and safer with PNB + PoketCare. 🏡