PNB Housing Loan Against Property Policy explained 2024-2025

Loan Amount : Upto 10 Cr
Rate of Interest : 10.50% Onwards
Tenure : Upto 15 Years
USP : Funding without Financial upto 3 Cr

Location: PAN India

CIBIL Score: 650+

Applicant: Any Salaried & Self Employed
Applicant Age: Minimum-21 Year,

Max- Govt Employee-75 Year, Salaried-65 year, Self Employed-70 Year

Loan Amount & Tenure: 5 Lac- 10 Cr
( 5 Year to 15 Year)

Login Fees: 5900
Rate of Interest & Type: 1. Roshni- 11.50% to 15% (Salaried), 13% to 15% (Self Employed)
2. Prime 10.50% to 15% (Reducing)
TAT 7 days
Processing Fees: Roshni-1.50%, Prime-1%

Foreclosure Charges: 2%-4%
Insurance: As per Age
Minimum Business Vintage: 3 Year
Lock In Period: Yes
Part Payment Allowed: No

LTV Residential-70%, COmmercial-65%, Plot-50%

Product BT+Top UP, Fresh Loan, Seller BT, LRD


Cautious Profile: Jewellers, Gym, Police

Negative Profile: Politician, Builders, People living in dominating area
Funded Property: (i) Residential Property (ii) Commercial Property (iii) Residential & Commercial Plot

Neagtive Property: Khasra Khatauni, Legal & Technical not clear, Industrial Property, Basement, School, Hospital, Stone Slab, Farm House, Gift Deed, GPA, Current Sale Deed, Hotel, Restaurent, Multi Tanented Unit, PG, Property in demolition List

Accepted Collateral: Other than Negative Property

Minimum Job Experience for Salaried Person: 2 Year

Experience with Current Employer: 3 Month

Any Specific Product for Professionals No

USP: (i) Auction Purchase .
(ii) Seller BT even if Seller is NPA

Additional: (i) Lal Dora upto 50 Lac
(ii) Without MAP Property upto 50 Lac
(iii) Gram Panchayat Property also doing