PNB Housing Finance Limited Home Loan

PNB Housing Finance Limited Home Loan
 3.5 / 5.0   by 13 users
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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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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

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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 23 Nov 2014

PNBHFL Home Loan Details
Interest Rate (Monthly reducing balance) 10.25% to 11%
Processing Fees 0.5% of the loan amount
Loan Tenure 1 year to 20 years
Partial pre-payment Charges Nil
Pre-closure Charges Nil
Guarantor Requirement No Guarantor required

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PNB Housing Finance Limited Home Loan Reviews

Customer Reviews
Page 1 of 1 1
  • Validated User
    (0)

    My home loan application has been closed by PNB stating that the home loan is not applicable for the location where I had finalized my property. Otherwise the response from PNB was very quick and overall good. I am not sure how much interest & processing fee they charge as I never discussed about them.

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

    Actually I first applied for a home loan online with PNB. They were unable to offer me the loan as they are not doing the project of my property. They responded very well on time. They were very clear on their point and the processing stopped in the beginning itself. I don't find a different in the rate of interest at it is same across all the banks.

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

    I had let my home loan application close with PNB as I donâ??t want to take the loan from a housing finance company. PNB is basically very slow in processing and I didnâ??t proceed with documentation as I was not comfortable with them. The rate of interest & processing fee charged by PNB are competitive. However I had taken the home loan from another finance company. I don't want to recommend the bank as I have not taken the loan.

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

    Actually PNB couldnâ??t provide a home loan to the property I had finalized as the project was not approved by the bank. My feedback about PNB is good because they were very clear on their point and didnâ??t make me submit the documents or visit their branch. Also they were offering a low interest rate and processing fee as well.

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

    My application with PNB housing loan was not approved because, basically my property was not an authorized one that is the main reason why my application is declined. I am yet to finalize another property post which I might re-approach them once again. As far as the Bank is concerned they were doing a good job.

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

    I felt the documentation and the process was quite lengthy with PNB therefore I did not avail the home loan and my loan application has been closed as of now. I was looking for a loan transfer and I wanted the processing time to be very minimal. The overall customer service of PNB was good and they also offered me a low rate of interest around 10.25%.

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

    I recently applied for a home loan with PNB. There was no response from the bank and they contacted me very lately. By the time they contact me I had availed the home loan from another bank. I donâ??t have any issues with PNB in terms of customer service or interest rate. I donâ??t have any idea about the processing fee & charges.

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

    The home loan application with PNB has been closed by me only as I had taken the loan from another bank where the existing customer of the flat has availed the loan. I felt it is good to take the loan from the same bank where the existing customer has taken as it was already sanctioned. There was no much documentation and the process was very fast. The processing fee & charges are also low.

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

    I have not received a proper response from PNB regarding my home loan application. My father is the co-application who lives in a different state. PNB is not co-ordinating with both me and my father in terms of verification. The representative who called me from PNB was very polite and approached me in a good manner however my home loan need was fulfilled by another bank.

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

    My home loan deal with PNB was not successful and got over on a single call itself. I felt the rate of interest and processing fee offered by PNB was quite high hence I donâ??t want to avail the loan. I had just put a hold to my idea of availing the home loan until Aptâ??2015. I think the rate & processing fee are comparatively better than few other banks.

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

    Initially, I was in need of a housing loan that is why I have approached PNB . Later, I dropped the idea of taking this loan because, I was able to arrange funds through my own resource. Nothing negative about this Bank. I am happy with their customer service and their response as I got about 7 to 8 calls from them and the interest rate offered by them was reasonable.

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

    PNB Housing Finance Limited: It was good the response was good and the customer service executive who came to collect the documents explained me process in a polite way and they could customize the loan process to suite my requirement and the whole process got completed with in a month.

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

    I have recently transferred my balance of home loan from LIC housing finance to PNB. I received an email from PNB stating there was an offer of home loan for 10 years with fixed rate of interest. On seeing this advertisement I had made my enquiry online. One of the PNB executive called me from Noida and arranged a meeting with the nearest branch people. The representative from PNB has done everything including the documents and made the loan disbursed within 7 days. Rate of interest was 10.75% fixed for 10 years.

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    shreejith took a Home Loan from PNB HOUSING FINANCE LIMITED Reviewed on
Customer Reviews
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