- Private salaried
- Government salaried
- Business
- Home Loan
- Plot Loan
- Home Construction Loan
- Roshni Home Loan
- Home Extension Loan
- Home Improvement Loan
- Loan Against Property
- Fixed Deposit
PNB Housing Finance Limited
Ludhiana - 141001
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- Private salaried
- Government salaried
- Business
- Home Loan
- Plot Loan
- Home Construction Loan
- Roshni Home Loan
- Home Extension Loan
- Home Improvement Loan
- Loan Against Property
- Fixed Deposit
Our Products
PNB Housing's housing loans epitomize accessibility, flexibility, and reliability, catering to diverse aspirations and financial needs of prospective homeowners.
Home Loan
Experience the joy of homeownership with PNB Housing's Home Loan. We provide attractive interest rates and customizable repayment options that make financing your new home easier than ever. You’ll benefit from a hassle-free application process, quick approvals, and personalized assistance tailored to your unique needs. Our dedicated team will guide you every step of the way, ensuring a smooth experience from start to finish. With tenures ranging up to 30 years, managing your EMIs is simpler, making your dream of owning a home an achievable goal.
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Plot Loan
Invest in your future with our Plot Loan, tailored to help you purchase the ideal land for your needs. Our offering comes with competitive interest rates and flexible repayment options, allowing you to manage your finances effectively. Enjoy the benefit of expert guidance throughout the entire process, ensuring that your application is straightforward and hassle-free. Whether you aim to build your dream home or secure an investment, our dedicated team is here to support you at every step. Let us help you turn your vision into reality while you focus on creating your perfect space.
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Home Construction Loan
Turn your dream of building a home into reality with PNB Housing’s Home Construction Loan. Our customized financing options cater to various construction needs, providing you with the funds necessary to undertake your project confidently. Enjoy competitive interest rates, along with flexible repayment terms that can adapt to your financial situation. Our dedicated team offers comprehensive support throughout the construction journey, ensuring that you have the guidance needed at every stage. From planning to execution, we are here to help you build a home that perfectly aligns with your vision and lifestyle.
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Roshni Home Loan
The Roshni Home Loan is crafted to empower Indians in their pursuit of homeownership keeping a focus towards Pradhan Mantri Awas Yojna – Housing for all. With attractive interest rates and customized terms, this loan simplifies the process of buying your dream home. We prioritize your experience by offering a straightforward application process with dedicated support. Our team is here to assist you every step of the way, ensuring that you have the guidance you need to navigate the paperwork and requirements. Take the leap into homeownership with confidence, knowing that we are here to support you throughout your journey.
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Home Extension Loan
Tailored for homeowners, this home loan variant provides the funds necessary to expand your living space effortlessly for creating the perfect environment for your family. With competitive interest rates and flexible repayment options, you can manage your finances with ease. Our dedicated team offers personalized guidance throughout the application process, ensuring a smooth experience from start to finish. Enhance your home and improve your quality of life with our Home Extension Loan, designed to meet your unique needs.
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Home Improvement Loan
Transform your home into your dream space with our Home Improvement Loan. We offer tailored financing options to meet your renovation needs, providing competitive interest rates and flexible terms. Enjoy a streamlined application process, allowing you to access funds quickly and efficiently. Our dedicated team will assist you at every step, ensuring you have the support needed to enhance your home’s aesthetics and functionality. Whether it’s a small upgrade or a major renovation, our Home Improvement Loan makes it easier for you to create the perfect living environment that reflects your style.
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Loan Against Property
Unlock the value of your property with our Loan Against Property, a flexible financial solution designed to meet your personal or business needs. Leverage your fixed asset to access funds with competitive interest rates and manageable repayment terms. Our quick approval process ensures you receive the funds without unnecessary delays. With personalized support from our dedicated team, you can navigate the application confidently, making it easier to utilize your property’s potential. Whether for investment, education, or emergencies, our Loan Against Property provides the financial support you need to achieve your goals.
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Fixed Deposit
Secure your financial future with PNB Housing’s Fixed Deposit plan, designed for safe and rewarding savings. Our offerings feature attractive interest rates and guaranteed returns, making it a smart choice for your investment. Choose from flexible tenures that suit your financial goals, ensuring your savings grow over time. Our expert guidance will help you make informed decisions about your fixed deposit investments, ensuring a secure and rewarding experience as you work toward achieving your financial goals.
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About PNB Housing Finance Limited
PNB Housing Finance Limited (PNB Housing) is among the leading housing finance companies in India registered with National Housing Bank (NHB). Our product portfolio consists of individual housing loans, loans against property, non- residential premises loans, corporate loans and we also accept public deposits. Through our dedicated segment Roshni, we offer home loans for affordable housing segment. With a focus on customer needs and delivering value, PNB Housing aims to provide accessible housing finance solutions to aspiring homeowners across India.
Nearby Branches
jalandhar - 144001
jalandhar - 144001
Patiala - 147001
Chandigarh - 160035
Bhatinda - 151001
Our Locations
PNB Housing Finance Limited
SCO 16-17, 2nd Floor, Pakhowal Road, Canal colony, Near NRI Silk
Ludhiana - 141001
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Categories
- Affordable loans
- Balance transfer
- Housing loan
- Loan against property
- Property loan
- Residential Plot loan
- Top up loans
Tags
Housing loan
Property loan
Balance transfer
Residential Plot loan
Loan against property
Affordable loans
Top up loans
News & Articles
Latest News & Articles from the Blog Posts
PNB Housing's housing loans epitomize accessibility, flexibility, and reliability, catering to diverse aspirations and financial needs of prospective homeowners. With a steadfast commitment to facilitating homeownership dreams, PNB Housing stands as a beacon of trust, offering a myriad of tailored loan solutions. Leveraging its extensive expertise in the housing finance sector
Guess who’s bringing the spirit of Christmas to your doorstep? It’s me, Roshni! While he’s busy with presents, I’m here delivering something even better—the joy of dream homes! Get loans ranging from INR 5 lakhs to INR 50 lakhs and funding up to 90% of the property’s market value, with PNB Roshni Home Loans, where we are committed to making your dreams a reality. May your Christmas be filled with light, laughter, and moments that make life brighter. Celebrate this festive season by making your dreams come true! ;
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Frequently asked Question
Step 1: Submit your loan application along with required set of documents. Step 2: Your application would be assessed 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 PNB Housing 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 PNB Housing 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 an Indian citizen or a person of Indian Origin and are a salaried/ self- employed professional/ a businessman. Your loan eligibility will be determined by PNB HFL on the basis of professional income, age, qualifications, number of dependents, co-applicant’s income, assets, liabilities, stability and continuity of occupation, savings and prior credit history. Further, the loan eligibility will also be dependent on the value of property selected by you.
We can fund up to 90% of the property value in case of Home Loan and up to 60% in case of Loan Against Property. However, PNB HFL 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 Instalments (EMI) which includes principal and interest component. EMI repayment starts from the month subsequent to the month of final disbursement. Pre-EMI Interest is the simple interest payable every month till the time loan amount is not fully disbursed.
Property insurance is mandatory 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.
Fixed Deposit will be accepted from Resident Individual/ HUFs /Public/Private companies /Non-Resident Indians/ Co-operative Societies / Co-operative Banks/ Trust / Association of person PF Trust etc.
A prospective depositor has to fill prescribed 'Deposit Application Form' along with all KYC documents and an accounts payee cheque/ Demand Draft/ NEFT/ RTGS in favour of PNB Housing Finance Limited. Deposit applications are available at all PNB Housing branches and with its authorized brokers. Deposit forms could be downloaded from company’s website – www.pnbhousing.com.
Cumulative Deposit – INR 10000 Non-Cumulative Deposit – Monthly Income Plan – INR 100000 Quarterly Income Plan – INR 50000 Half yearly Income Plan– INR 20000 Annual Income Plan – INR 20000
If a customer is a resident Indian individual/entity/trust the minimum tenure is 1 year and maximum tenure is 10 years.
In terms of the Prevention of Money Laundering Act 2002, the rules notified there under and KYC guidelines issued by the Reserve Bank of India (RBI), every depositor is required to comply with the KYC requirements by submitting the following document: Latest photograph. Certified copy of proof of identity such as Pancard, Aadhar Card, Passport etc. Certified copy of proof of address for Corporate it is certificate of incorporation, Pancard, Registration no. / trust deed.
Yes, loan facility is available at the discretion of PNB Housing which can be availed only after three months from the date of deposits and up to 75% of the deposit amount subject to certain terms and conditions. Interest rate on such loans will be 2% higher than the rate of interest on the deposit being paid to depositor.