Get a home loan for up to 90% of your property value with attractive interest rates, minimal paperwork, a long repayment period, fast disbursal, and dedicated customer service.
Our Home Loan interest rates are highly competitive, starting at just 8.50%* annually for salaried individuals and 8.80%* for self-employed applicants.
PNB Housing offers a comprehensive range of home loan products, covering everything from home purchases and renovations to construction and extensions.
We provide housing loans with terms up to 30 years, available up to the age of 70.
PNB Housing can approve and finance up to 90% of the property value, with the specific percentage depending on the loan amount.
Our processing fees are competitively low, ensuring affordability for our customers.
Experience convenience with personalized doorstep services and seamless post-disbursement support through our online customer portal. Our tailored eligibility programs are designed to provide you with a smooth and effortless loan process.
Before you apply for a Housing Loan, it’s important to familiarize yourself with the eligibility requirements. PNB Housing offers straightforward Home Loan criteria applicable to both salaried (whether in private or government sectors) and self-employed applicants:
Financing your dream home, whether it’s a purchase, construction, or renovation, is simpler than ever with PNB Housing. We are committed to making Home Loan interest rates affordable for everyone. That’s why we provide competitively low rates for all our clients, whether salaried or self-employed.
Please note: PNB Housing provides Home Loans with floating interest rates.
Whether your loan amount is up to ₹35 lakh or above ₹35 lakh, PNB Housing ensures you benefit from the lowest possible interest rates. Refer to the table below for our current Home Loan rates, which vary based on your credit score.
Credit Score | Salaried | Non Salaried |
>=825 | 8.5% to 9% | 8.8% to 9.3% |
>800 to 825 | 8.8% to 9.3% | 8.95% to 9.45% |
>775 to 799 | 9.1% to 9.6% | 9.65% to 10.15% |
>750 to <=775 | 9.25% to 9.75% | 9.8% to 10.3% |
> 725 to < =750 | 9.55% to 10.05% | 10.25% to 10.75% |
> 700 to <= 725 | 9.85% to 10.35% | 10.55% to 11.05% |
>650 to <=700 | 10.25% to 10.75% | 10.75% to 11.25% |
upto 650 | 10.25% to 10.75% | 10.75% to 11.25% |
NTC Cibil >=170 | 10.25% to 10.75% | 10.65% to 11.15% |
NTC Cibil <170 | 10.15% to 10.65% | 10.55% to 11.05% |
Fixed Home Loan Rate – 14.75% *Interest rates are subject to change at PNB Housing’s discretion. NTC: New to Credit
For the safety and comfort of its customers, PNB Housing recommends property and loan repayment insurance to guard against unforeseen events during the loan’s repayment term.
PNB Housing has partnered with various insurance companies to bring top-tier products and services right to your doorstep.
Loan disbursement occurs after the property has been technically evaluated and all legal documentation finalized. For resale purchases, the loan amount is paid in full to the seller at the property transfer time, once the buyer’s contribution is verified. For properties under construction, loan disbursements are made in stages according to construction progress. Customers must invest their share of the costs before any loan disbursement, which can be made in one lump sum or in installments as required by the development authority, society, or private builder.
A plot loan enables financing for a residential plot, providing a foundation to build your dream home later. These plots can be acquired through direct allotment in real estate housing projects or directly from development authorities. Here are the features and eligibility criteria for a PBN Housing Plot Loan:
Interest Rate: Starting from 9.5%
A Home Construction Loan from PNB Housing enables you to secure the funds needed to construct a residential property on your own land. With over 30 years of expertise in this sector, our customers enjoy swift construction progress facilitated by competitive interest rates, affordable EMIs, and a streamlined online application process.
PNB Housing Finance provides the “Credit Linked Subsidy Scheme (CLSS)” for economically weaker sections (EWS), lower income groups (LIG), and middle income groups (MIG) as part of the Pradhan Mantri Awas Yojana (PMAY).
This interest subsidy scheme, introduced by the Ministry of Housing & Urban Poverty Alleviation (MoHUPA), was launched by the honorable Prime Minister Sh. Narendra Modi, aiming to achieve “housing for all” by 2022.
Under PMAY, eligible customers (beneficiaries) can receive an interest subsidy for buying, constructing, or enhancing their homes.
PNB Housing Finance has introduced the Roshni Home Loans, an affordable housing loan initiative designed to align with its long-term commitment to empowering individuals in achieving homeownership. This scheme is tailored to offer fresh opportunities and support, especially to those new to credit, the self-employed with informal income, or those from low/middle income groups with a monthly household income starting at just INR 10,000. Roshni Home Loans are dedicated to helping applicants overcome eligibility challenges and realize their dreams of owning a home.
Home purchase loans are available if you meet the following criteria:
PNB Housing Finance Ltd. provides Home Extension Loans to help you expand your existing residence to meet the evolving needs of your growing family. Whether you need an additional room for your children, a cozy reading nook, or a guest room for visitors, our loans facilitate the expansion of your home to suit your specific requirements.
PNB Housing provides attractive Home Improvement Loan rates for both salaried and self-employed individuals, enabling them to upgrade and enhance their homes. These loans are designed to help everyone achieve their dream of turning their living spaces into modern and cozy retreats.
PNB Housing provides easy-to-obtain Home Improvement Loans with flexible eligibility requirements that consider age, credit score, and income:
We provide an extensive selection of home loan options for NRIs (Non-Resident Indians) and PIOs (Persons of Indian Origin), catering to the purchase, construction, and renovation of residential properties in India.
Eligibility for a PNB Home Loan depends on various factors including the applicant’s age, income, employment type, credit history, and the value of the property. Generally, applicants should be between 21 and 60 years old, have a stable income, and maintain a good credit score.
The primary documents required include:
You can calculate the EMI using the EMI calculator available on our website. Enter the loan amount, the interest rate, and the loan tenure to receive an estimate of your monthly repayment amount.
Yes, you can prepay your PNB Home Loan at any time. PNB offers zero prepayment charges for floating rate home loans to individuals. However, certain terms and conditions may apply for fixed rate loans and loans availed by entities other than individuals.
PNB offers home loans with tenures up to 30 years. The actual tenure of your loan can vary based on your age at the time of loan maturity, the loan amount, and the specific loan product you choose.
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