Dravinam

Login
Login

PNB Housing Home Loan

Create Customer

Basic Info

Personal Info

Right Documents – Easy Process

Required Documents to Apply for PNB HFL Housing Loan

Salaried income documents

  • KYC of applicant & Co-Applicant
  • Last 3 Month Salary Slip of Applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 2 Year Form 16 of applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Appointment letter of applicant if available
  • Agreement to Sale if purchase case
  • Property Paper with complete chain of last 13 years
  • Approved MAP of Property if available
  • LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
  • Sanction letter of all running loan
  • Latest utility Bill if owned residence or rent agreement if rented
  • 2 Reference with contact details

Self Employed person documents

  • KYC of applicant & Co-Applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 3 year audited balance sheet of applicant
  • Last 3 year Tax audit report of applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Copy of GST registration
  • Copy of MSME registration
  • Copy of Last 12 month GST return
  • Agreement to Sale if new purchase case
  • Property Paper with complete chain of last 13 years
  • Approved MAP of Property if available
  • LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
  • Sanction letter of all running loan
  • Debt Sheet
  • Latest utility Bill of residence if owned or rent agreement if rented
  • Latest utility Bill of Office if owned or rent agreement if rented
  • 2 Reference with contact details
  • Last 3 year Debtors & Creditors on letter head
  • List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP

Required Eligibility to Apply for PNB HFL Housing Loan

  • The minimum Income of the applicant must be an ideal fit to cover all their EMIs.
  • (i) Residential Property (ii) Residential Plot Purchase (iii) Residential Plot Purchase & Construction are qualified for this loan
  • The minimum Business Vintage for Self Employed Person is 2 years
  • The Minimum Job Experience for a Salaried Person must be 1 year
  • The experience of the applicant with the current employer must be 3 months
  • The minimum age of the applicant must be between Minimum -21 Year to Max- Govt Employee-75 Years, Salaried -65 years, Self Employed -70 Years.

    Some Important Points

    1. KYC Means
    If Applicant is
    • Company-MOA, AOA, COI , PAN Card
    • Partnership Firm/LLP- Partnership Deed & PAN Card
    • Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
    For Co-Applicant
    • KYC means  Adhaar Card, PAN Card, Passport Size Photo

    Co-Applicant means in case of
    • Company : Directors
    • Partnership firm/LLP : Partners
    • Proprietorship Firm : Spouse of Proprietor
    2. If LAP is applied with Government Bank then 30 year chain is required
    3. If applicant is professional, then his professional degree is required
Share

About PNB HFL Housing Loan

In today’s world, owning a house is a dream for everyone. But managing the expenses that come with it is not everyone’s cup of tea. So, to overcome such situations, financial institutions have come up with the facility of Home Loans. One such Home Loan is provided by the Government-run bank Punjab National Bank. PNB Housing Loan is specially curated to help applicants who want to own a home and expand and renovate their property.

With this secured loan, the borrowers just need to make a down payment; the lender will cover the remaining balance (up to 90%* on loans under Rs. 30 lakh) entirely. The complete amount borrowed plus interest is subsequently paid back to the lender in equal monthly payments (EMIs). PNB Housing Loan is affordable with low-interest rates. The hassle-free housing loan from PNB Housing can assist you in achieving your goals, whether you’re trying to buy, expand, or renovate a home.

Why go for PNB Housing Loan?

  • Offers a wide variety of home loan products, including loans for home purchases, building loans, loans for home extensions, loans for home improvements, and loans for plots of land.
  • Large network of branches across India.
  • Strong model for service delivery – door-to-door services ensure quick and easy loan approval and disbursement.
  • Outstanding post-disbursement services.
  • Possibility of increasing the loan amount if cost increases.
  • Devoted group of skilled workers who utilize top-notch networks and information technologies to provide and satisfy customers.
  • High moral, ethical, and transparent norms
  • Numerous possibilities for repayment.
Work Process

Start with PNB HFL Housing Loan in few steps

If you are planning to apply for a home loan at PNB HFL Housing Loan there are certain details that you should be aware of, Let’s discuss

01
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

02
Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

03
Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

04
Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

Login
Login
Copyright © 2024