Punjab National Bank

Punjab National Bank

Overview

Scheme seeks to provide finance against mortgage of immovable property situated in metro/ urban/ semi urban centres. The scheme is designed to offer instant solutions relating to business needs or for personal needs, such as children's higher education, travel, daughter's marriage, medical emergencies, etc. Loan is, however, not available for speculative purpose.

 

Loan Feature

Loan Amount Rs. 10 Lac to Rs. 1 Crore
Interest Rate 15% to 15.75%
Tenure Maximum 7 years
Pre Payment Charges Information not available
Service Charges

Upfront fee (in case of Term Loan):
0.90% of the loan amount (subject to a maximum of Rs.45,000/-) + Service Tax & Education Cess

Documentation charges:
Rs.900/- + Service Tax & Education Cess

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Eligibility Criteria : Loan Against Property

  Salaried Self
Age Below the age of 60 years Below the age of 60 years
Income Net monthly income should be at least 1.5 times of proposed EMI 3 years of cash profit
Job Experience Information not available Information not available
Residence Proof Valid residence proof Valid residence proof

Docs Required : Loan Against Property

  Salaried Self
ID Proof PAN card/Voters ID/Passport/Driving License/Any other valid proof PAN card/Voters ID/Passport/Driving License/Any other valid proof
Address Proof Recent telephone bill/electricity bill/property tax receipt/passport/voters ID/Any other valid proof Recent telephone bill/electricity bill/property tax receipt/passport/voters ID/Any other valid proof
DOB Proof 10th class certificate/DOB proof 10th class certificate/DOB proof
Financial Docs

  • Statements (latest 3 months bank statement / 6 months bank passbook)

  • Latest salary slip or current dated salary certificate with latest Form 16

 

  • Bank Statements(latest 6 months bank statement /passbook)

  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA

  • Qualification proof of the highest professional degree

 

Other Charges : Loan Against Property

N/A

Products offered by Punjab National Bank

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