PNB Housing makes your dream home a reality by providing loans to purchase, construct, and extend dwelling units. It offers customized Home Loan solutions with the best services, best domain knowledge, and simplified loan procedures. PNB Housing excels in providing complete services in meeting customers’ Home Loan needs.
Features and Benefits of PNB Home Loans
- It provides an extensive range of home loan products like Home Purchase Loans, Home Extension Loans, Home Construction Loans, Home Improvement Loans, and Residential Plot Loans.
- Pan-India branch network with 29 years of commitment towards customer satisfaction.
- Robust service by ensuring doorstep services with easy and fast approval & disbursal of loans.
- Excellent post-disbursement services.
- The facility of enhancement in loan amount in the event of escalations.
- A dedicated team of well-experienced employees to deliver and provide customer satisfaction.
- High standards of integrity, ethics, and transparency.
- Various repayment options.
- No prepayment or foreclosure charges.
- Home loan of up to 90% of the property value.
- Customized eligibility program to work out your loan amount.
Types of PNB Home Loans
Home Construction Loan
Home Construction Loan offers loans for the purpose of the construction of a residential house. It can be considered as a unique offering for customers who already have their own land and need funds for the construction of the residential house on the land.
Home Extension Loan
Home Extension Loan makes it easy for you to extend your existing home as per your growing family needs. As your family grows, you may need to have a reading room for yourself/an extra room for your children/a guest room for frequent guests etc.
Home Improvement Loan
PNB offers Home Improvement loans if you want to upgrade your home in terms of looks and convenience. It covers:
- Upgradation
- External & internal repairs/paint
- Complete renovation of already owned residential property
- Repair of your house/flat
- Tiling and flooring
- Water-proofing & roofing
- False ceiling & woodwork (fixed to the building)
- Plumbing & electrical work
Residential Plot Loan
Residential Plot Loan is offered for the construction of a residential premises or the purchase of a residential plot in an urban area.
NRI Home Loan
PNB Housing offers a full range of home loan products to NRIs and PIOs for the purchase, construction, repair, and renovation of residential properties in India.
Unnati Home Loan
Unnati Home Loan is a unique home loan solution that helps you realize the dream of living in your own home. It has got simplified loan procedures and a bouquet of customer-friendly services
Salient Features
- Pan-India branch network
- Attractive interest rates starting at 10.75% p.a.
- Doorstep services for easy & fast approval and disbursal of loans
- Maximum loan amount of up to Rs. 25 lakhs that is subject to 90% of the market value of the property
PMAY – Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme(CLSS)
PNB Housing Finance offers CLSS for Economical Weaker Section, Lower Income Group, Middle Income Group categories under Pradhan Mantri Awas Yojana.
Credit Linked Subsidy Scheme (CLSS) is introduced by the Ministry of Housing & Urban Poverty Alleviation (MoHUPA), which was announced by Prime Minister Narendra Modi, with a vision of housing for all in 2022.
Under PMAY scheme, the beneficiary is eligible to avail interest subsidy on the purchase/construction/enhancement of a house.
Salient features
- Benefits available for the first property purchase. Applicants should be of immediate family including self/spouse/unmarried children only.
- Interest subsidy benefit is calculated for 20 years. Women Ownership is mandatory under LIG & EWS category for purchase of a new house.
Eligibility for PMAY
- Available for Individuals only
- Age should be above 18 years
- Applicants should be of immediate family including self/spouse/unmarried children only
- Annual combined income must be up to Rs. 6 lakhs for EWS & LIG category, Rs. 6.01 lakhs to Rs. 12 lakhs for MIG1 and Rs. 12.01 lakhs to 18 lakhs for MIG2.
- Renovation/extension must be used to convert kutcha house to a pucca house.
- The beneficiary family must not own a pucca house in his/her/in the name of any member of his/her family in any part of India.
- The beneficiary family should not have availed any of the housing schemes from the Government of India.
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