PNB Housing Home Loan

Home Home Loan PNB Housing Home Loan


PNB Housing Finance Limited (PNB HFL), promoted by Punjab National Bank (PNB) is a housing finance company registered with National Housing Bank (NHB). It was incorporated under the Companies Act, 1956 and started operating on November 11, 1988.
PNB HFL has over two decades of specialized experience in housing finance and maintains a network of branches spread across the length and breadth of the country to help its customers avail financial services.
PNB HFL provides loans to individuals and corporate bodies to construct, purchase, repair and upgrade houses. It also provides commercial property loans, loan against property & lease rental discounting.

About PNB HFL Home loan

PNB HFL provides a complete bouquet of services to its customers to meet their Home Loan needs. The PNB Housing Finance Home Loan comes in various formats such as-

  • Home Purchase Loan- Construction or purchase or extension of homes.
  • Home Construction Loan- Self-construction of homes.
  • Home Extension Loan- Adding more space to existing homes.
  • Home Improvement Loan- Aesthetic and/or functional improvement of homes. i.e., internal/external repairs, roofing, painting, waterproofing, plumbing, electrical works, etc.
  • Residential Plot Loan- Purchasing a residential plot of land in an urban area where subsequently the house will be constructed.
  • Loan for NRIs- Construction, purchase or repair/renovate residential properties in India.

Why apply for a PNB HFL Home Loan

NB HFL provides customized home loan solutions with streamlined loan procedures. The home loans availed from PNB Housing Finance Ltd. can be used for purchasing, constructing and extending dwelling units.

PNB HFL Home Loan Features & Benefits

  • Pan India branch network (Wide network of operative branches spread across India).
  • Loans available for all requirements i.e., purchase/ construction/ extension/ improvement of property and plot loans.
  • Easy loan approvals i.e., documentation
  • Quick loan disbursals
  • Excellent post disbursement services
  • Various repayment options

PNB HFL Home Loan Fees & Charges

  • Processing Fee - 1% of loan amount + applicable service tax.
  • Foreclosure Charges - Zero prepayment/ foreclosure charges.

PNB HFL Home Loan Eligibility Criteria

  • The applicant must be Indian /a fully documented NRI. Essentially, a person of Indian Origin (PIO).
  • Maximum age at the time of loan maturity is 70 years.
  • In case of NRI Loans, he/she must have worked in a foreign country for at least one year.
  • Employed persons going abroad on deputation are not eligible for Home Loans under the NRI category.

  • Interest Rate 8.5% - %
  • Loan Amount20L - 20Cr
  • Processing Fee 0.35% - 0.50%
  • TenorUpto 25 Years

  • Quick Apply

Documents Required for PNB HFL Home Loan

Type of document

Salaried Employees

Self Employed/Professionals

Application Form

  • Duly filled application form with photograph
  • Duly filled application form with photograph

Age Proof

  • PAN Card/ Passport/Any other certificate from Statutory Authority
  • PAN Card/ Passport/Any other certificate from Statutory Authority

Residence Proof

  • Passport/Driving License/Telephone Bill/Ration Card/ Voter?s ID Card/ Any other certificate from Statutory Authority
  • Passport/Driving License/Telephone Bill/Ration Card/ Voter?s ID Card/ Any other certificate from Statutory Authority

Educational Qualifications

  • Education qualifications (latest degree)
  • For professionals- latest degree

Income Proof

  • Last 3-month Salary-slips
  • Certificate & Proof of business existence along with Business Profile

Other Income Proof

  • Last 2 years Form 16
  • Last 6 months bank statements (salary account)
  • Last 3 years ITR (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant.
  • Last 12 months bank statements (self & business)

Other documents

  • Photocopy of Title Documents of the Property and Approved Plan
  • Photocopy of Title Documents of the Property, Approved Plan etc.

Other Available products from PNB HFL

  • Home Loan Balance Transfer
  • Loan Against Property
  • Lease Rental Discounting
  • Commercial Property Loan


EMI Calculator

EMI Calculator

Loan EMI

Total Interest Payable

Total of Payments
(Principal + Interest)