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Call: 1800 120 8800
SMS: PNBHFL to 56161

For detailed terms and disclaimer click here

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Documents Required

Salaried Employees Self Employed/Professionals
Duly filled Application Form with Photograph Duly filled Application Form with Photograph
Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority) Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority) Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
Education Qualifications – Latest Degree Education Qualifications – Latest Degree (for professionals)
Latest Salary-slips for 3 months Certificate & Proof of business existence along with Business Profile
Form 16 for last 2 years Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant
Last 6 months Bank Statements(salary account) Last 12 months Bank Account Statements (self & business)
Processing Fee Cheque in favour of 'PNB Housing Finance Ltd.' Processing Fee Cheque in favour of 'PNB Housing Finance Ltd.'
Photocopy of Title Documents of the Property, Approved Plan Photocopy of Title Documents of the Property, Approved Plan etc.
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Home Loan:FAQs

Step 1: Submit your loan application along with required set of documents.
Step 2: Your application would be accessed on the basis of various eligibility and funding norms. 
Step 3: A property valuation and title check may be carried out by the company representative to determine the property value and legal clearance of the property to arrive at the loan amount. 
Step 4: Based on the internal and regulatory guidelines, PNBHFL may approve or reject the loan application. 
Step 5: Submission of the original property documents are required along with signing of agreements, handing over of registered property papers and submission of post-dated cheques/ECS.
Step 6: Upon finding all the documents in order, PNBHFL will disburse the loan amount to the developer/contractor based on the progress of construction. The EMI/Pre-EMI will commence after the disbursement. 

You are eligible for a loan if you are a salaried, self- employed professional or a businessman. Your loan eligibility will be determined by PNBHFL on the basis of factors such as income, age, qualifications, number of dependants, co-applicants income, assets, liabilities, stability and continuity of occupation and savings history. Further, the loan eligibility will also be dependent on the value of property selected by you.

We can fund upto 90% of the property value in case of Home Loan and upto 60% in case of Loan Against Property. However, PNBHFL funding norms may change from time to time and from property to property or based on the loan amount.

Yes, you can avail re-finance at applicable Home Loan rate within 6 months from the date of property purchase.

Your loan is repaid through Equated Monthly Installments, which include principal and interest component. EMI repayment starts from the subsequent month of full loan disbursement, while Pre-EMI is the simple interest, payable every month till the time loan is fully disbursed.

Floating rate is linked with our reference rate PNBHFR and may change from time to time as per the market conditions and PNB Housing's cost of borrowings.

Keeping the borrowers interest in consideration, EMI is kept unchanged till a point. In exceptional situations, the EMI is changed to support the principal repayment within a time frame.

The prime security for the loan is by way of deposit of title deeds and/or such other collateral security as may be necessary. The title of the property should be clear, marketable and free from any encumbrances.

Yes, home loan can be prepaid. Part payment is to be made vide a cheque at any of your nearest PNB Housing branches. The cheque should be in favour of "PNB Housing Finance Limited ", from any of the loan applicants bank account only. Part prepayments are to be made between 25th - 1st - 24th of the month. For applicable loan pre-payment fee, kindly refer to the Schedule of Charges under " Fair Practice Code" section on our website´┐Żwww.pnbhousing.com

Yes you can get additional loan through the existing loan account based upon your repayment capacity and title/value of the property. You may contact any of our branches or place a request on our website for any such requirement.  

You may click here https://customerservice.pnbhousing.com/myportal/pnbhfllogin to download your IT Certificate or log onto the Mobile App. You may also call on our tollfree number 1800 120 8800 and avail services through the IVR.

1. Kindly submit the Post Dated Cheques to your nearest PNBHFL branch before the EMI due date to avoid any late payment charges.

2. Repayment of loan is preferred through NACH.

Property insurance is essential in order to protect your property against uncertainties like earthquake, fire or any damage and destruction due to natural and man-made calamities, during the tenure of the loan.