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A "low interest" loan shouldn't mean you have very little interest in paying it back!

PNB Housing Finance Limited Home Loan

PNB Housing Finance Limited Home Loan
 3.0 / 5.0   by 46 users
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Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

PNB Housing Finance Limited (PNBHFL) is a registered housing finance company with National Housing Bank (NHB). PNBHFL excels in providing a complete bouquet of services to customers to meet their Home Loan needs with Ease of applying for a loan with branches spread across India. PNBHFL provides an extensive range of home loan products like Home Purchase Loans, Home Construction Loans, Home Extension Loans, Home Improvement Loans and Plot Loans. PNBHFL give robust service delivery model door step services ensuring easy and fast approval & disbursal of loans. On BankBazaar, you can apply for a PNBHFL home loan and get e-approved in minutes.


You’re probably eligible for an PNBHFL Home Loan if you are

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02
03
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PNBHFL Home Loan Minimum Age

At least 21 years old

PNBHFL Home Loan Maximum Age

Less than 60 or 65 years old

PNBHFL Home Loan Eligible Employment Type

Salaried or self-employed
with regular income

PNBHFL Home Loan Minimum Income

Earn more than the minimum
income required


Your PNBHFL Home Loan amount eligibility is based on these factors

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PNBHFL Home Loan Minimum Salary

Earn more than the minimum
income required

PNBHFL Home Loan Maximum Loan to property value

Loan capped @ 80% to 85% of property value

PNBHFL Home Loan EMI

EMIs of other loans lower
your eligibility


Increase your eligible PNBHFL Home Loan amount by these steps

01
02
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PNBHFL Home Loan Add Spouse as Co-applicant

Make your spouse a co-applicant,
and her income will add
to your eligibility

PNBHFL Home Loan Maximum Tenure

Choose longer tenure loan up to 30 years

PNBHFL Home Loan Add parents as Co-applicant

Alternatively add your parents


Documentation needed to apply for an PNBHFL Home Loan

  • 1. Signed application form with photograph
  • 2. ID and residence proof
  • 3. Processing fee Cheque
  • 4. Latest bank statements
  • 5. Documentation for salaried applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account
  • 6. Documentation for self-employed applicants:

    • latest income tax returns
    • latest comupation of income

PNBHFL Home Loan Interest RatesUpdated on 27 Mar 2015

PNBHFL Home Loan Details
Interest Rate (Monthly reducing balance) 10.15% to 11%
Processing Fees 0.5% of the loan amount
Loan Tenure 1 year to 20 years
Guarantor Requirement No Guarantor required

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News about PNB Housing Finance Limited Home Loan


PNB Housing Finance Limited Home Loan Reviews

Customer Reviews
Page 1 of 3 1 2 3
  • (0)

    I would suggest go for some other bank who has good process and procedure. Employees are not knowledgeable and they act like boss. Very rude to customers. There is no proper process. Verbally they will communicate something and later deny it. Worst service. If you need peace of mind , do not take loan from PNBHFL, especially Vashi Branch. Those are not well trained people working there, neither they wish to enhance their process or solve customer query. They don't deserve ratings! I would rate them as zero , i would say -1 .

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    reshma took a Home Loan from PNB HOUSING FINANCE LIMITED Reviewed on
  • Validated User
    (0)

    PNB Housing loan it was a timely help and the employees will come to my place and they will explain how the repayment works. They are ready to come to our office at any point of time, they will not disturb during office hours. The agents will also come after business hours. They have even provided a overdraft facility based on this account however I have refused to accept that.

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    prabhakar took a Home Loan from PNB HOUSING FINANCE LIMITED Reviewed on
  • Validated User
    (1)

    PNB Housing finance is ok. Customer service needs improvement I would say. As I not getting correspondence from them on time. For example if there is any change in the interest rate I will not be intimated on that. At times I may not receiving the statements also. I have to personally visit their office to collect the statement and for getting the updates.

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    vikas took a Home Loan from PNB HOUSING FINANCE LIMITED Reviewed on
  • Validated User
    (2)

    Response was very slow in PNB housing finance and if I compare with other banks, service is not that much recommendable. No issues in rate of interest and charges because all the stuffs are reasonable and affordable. Just to build home I availed home loan. EMI date is 15-16th and this is actually not fixed as I am paying in the second week of every month by visiting the branch directly.

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    vinayak took a Home Loan from PNB HOUSING FINANCE LIMITED Reviewed on
  • Validated User
    (3)

    PNB Housing loan is good. Rate of interest charged against the housing loan was ok . Processing fee charged by them was ok . They have added insurance to the loan which is really high. I myself found the property and I have got all my property documents within 10 to 20 days.

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    maninder took a Home Loan from PNB HOUSING FINANCE LIMITED Reviewed on
  • Validated User
    (0)

    I have continued with my earlier bank itself. I was holding a home loan with IDBI. I have planned to continue with the same bank. Response is good when it comes to PNB. I would verification and documentation was really good and as they have done a complete verification about my property documents in case of IDBI. Where as in case of PNB the verification was not that good and I am not happy with the interest rate also .

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    kaviliga took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (1)

    I have applied for the housing loan with PNB . However I have taken a loan with LIC Housing Finance. The reason why because did not get proper response from PNB on time. The rate of interest and processing fee charged by PNB was really good and the only thing is they have to more pro active.

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    bivab took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I have contacted PNB for the housing loan. However I decided to go with as SBI as it has got max gain benefit. This is the only difference otherwise its good. The person whom I spoke with was really good and he explained about the entire loan procedure. I am happy with the way Max gain woks hence chosen SBI.

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    anish took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (1)

    I have dropped the idea of taking a housing loan from PNB as I have not finalized the property yet . Once after finalizing the property I will certainly contact PNB for the same. I am very much happy with the interest rate and processing fee charged by them. I hardly had one or two interactions with PNB and I am quite happy with those calls.

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    sudeep took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (1)

    The property which I have chosen was not approved by PNB Housing loan that was the main reason for not avialing loan with them. I have taken a loan with some other Nationalised Bank. I am very much happy with the rate of interest and the processing fee charged by them was very less.

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    masood took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (1)

    Rate of interest offered by PNB Housing loan is quite similar to others. The response provided by them is not that good. I did not receive a proper response from them. I have taken a housing loan form LIC Housing Finance . I had no other issues. I had no communication from the Bankâ??s side more than 7 to 10 days and that is why I have switched over to LIC Housing Finance.

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    samar took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (1)

    Actually the property which I have chosen was not approved by PNB Housing finance. That was the first and foremost reason for dropping PNB Housing Finance. However I have approached HDFC LTD, as they have offered me a lower interest rate and processing fee of rs 11000 also its next to my premises and its because of the above mentioned reasons I have chosen HDFC LTD.

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    yogesh took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I have not finalized the property yet that was the main reason for not taking the loan with PNB Housing loan . I have planned to take a loan with LIC housing finance. Rate of interest offered by them was low processing fee charged by them is same as other Banks. Customer service offered by them was really good.

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    kapil took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I could not get a housing loan from PNB Housing Finance. Mine was not a free hold property that is why I refused to offer a housing loan. Rate of interest offered by them was very nominal . Processing fee charged by them was not ok. They were very quick in responding. I got a call from them within 48 hours of time.

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    sunil took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (1)

    The rate of interest offered by PNB was on the higher side that was the first and foremost reason for taking the loan with PNB. I have taken a housing loan with LIC Housing Finance as they offered me a less interest rate and I am unable to comment about their services as I have not availed.

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    vikas took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (0)

    PNB Housing loan is ok. The only drawback was the property which I have chosen by me was not approved by PNB. I got a delayed response from them. Rate of interest offered by them was ok and processing fee is nil. Service offered by them was ok. However their tired their level best to help me.

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    praveen took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Actually, the basic reason for not taking a housing loan from PNB is because of the higher interest rate. They did not provide good offers on the interest rate. I have taken a loan from LIC Housing limited and they offered about 10.1% for a period of 2 years and after which its floating and that was one of the major reason for choosing LIC Housing Finance.

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    ankush took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (0)

    PNB Housing Finance has already called me . I have told them that I might require that next financial year. Happy with the processing fee and charges. They told me that I can even provide a loan against mere land with out building . I will recommend PNB Housing loan to others.

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    ajith took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (1)

    I have applied for the housing loan at PNB. However my property is a BKHATA property and PNB was unable to approve the loan for a bkhata property as it was outside city limits. They did not finalize the property as it was outside city limits and overall its fine.

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    ramesha took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Off course, I have approached PNB for the housing loan. There was some kind of delay of 2 or 3 weeks time due to which I decided not go with PNB. As my builder was in a hurry . I decided not to go ahead with PNB. I did not have any issues with the documents and I decided to take a housing loan with LIC Housing finance and HDFC LTD.

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    amit took a Home Loan from PNB HOUSING FINANCE LIMITED on BankBazaar.com Reviewed on
Customer Reviews
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