PNB Housing Finance Roshni Home Loan

PNB Housing Roshni home loan from PNB Housing Finance offers a comprehensive solution to various housing loan needs. This can include purchasing property, constructing your dream home, extending or renovating your current home, or combining plot purchase with construction. With loan amounts ranging from ₹5 lakhs to ₹50 lakhs, this program provides flexibility and accessibility.

Benefit from attractive PNB Housing Roshni home loan interest rates and minimal documentation, ensuring a hassle-free borrowing experience. Enjoy flexible tenure options of up to 30 years, resulting in manageable EMIs. The eligibility criteria accommodate diverse circumstances, making homeownership achievable for all. Use the PNB Housing Roshni home loan calculator to determine your EMI options and apply online for a PNB Housing Roshni home loan to start your journey toward owning your dream home.

PNB Housing Roshni Home Loan – Highlights

Following are the key highlights of PNB Housing Roshni Home Loan:

PNB Housing Roshni Home Loan – Features and Benefits

Let us now take a look at the features & benefits of PNB Housing Roshni Home Loan:

• Home financing options available from INR 5 lakhs to INR 50 lakhs
• Finance extends up to 90% of the property’s market value.
• Appealing interest rates on offer.
• Doorstep services facilitate fast approval & disbursal of funds. 
• Extensive branch network across India, including Tier 2 & Tier 3 regions, with expanded coverage. 
• Streamlined income documentation requirements.
• Extended repayment periods of up to 30 years, resulting in reduced monthly instalments.
• Customised eligibility criteria to suit individual requirements.
• Established and dependable brand with more than 35 years of industry experience.

PNB Housing Roshni Home Loan – Interest Rates

The interest rates of PNB Housing Roshni home loan are as follows:

PNB Housing Roshni Home Loan – Fees and Charges

Here are the applicable fees and charges that are incurred during the loan process at PNB Housing Roshni Home Loan:

PNB Housing Roshni Home Loan – Eligibility Criteria

The applicant has to meet the following criteria to be eligible for PNB Housing Roshni Home Loan:

• An individual employed by a well-established local business entity. The employer may operate as a sole proprietorship, partnership, private limited company, limited company, trust, or similar entity.
• A freelancer or entrepreneur with unstructured income from a modest to moderate income bracket, with household earnings starting at INR 10,000. This condition also extends to combined incomes when applying with a co-applicant.
• Upon loan maturity, the applicant’s age should not exceed 70 years.

PNB Housing Roshni Home Loan – Documents Required

Here are the required documents for a PNB Housing Roshni Home Loan:

• Completed application form with photo and PAN card. 
• Verification of age (PAN card, passport, or any official certificate).
• Confirmation of residence (passport, driver’s license, utility bills, or other official documents). 
• Recent salary slips or certificates spanning 3 months. 
• Tax documents like Form 16 from the past 2 years (if accessible). 
• Bank statements for the preceding 6 months (from the salary account).
• Copies of property title deeds and approved building plans.

PNB Housing Roshni Home Loan – EMI Calculator

Here’s how you can calculate the EMI for a PNB Housing Roshni home loan:

• Go to Urban Money’s official website.
• Go to the “Loan” section in the top menu.
• Select “Home Loan” and click “Home Loan Calculator.”
• You will be directed to the EMI Calculator page.
• Enter the amount you want to borrow as the principal loan.
• Choose your preferred loan tenure, which can extend up to 30 years or until you are 70.
• Put the applicable interest rates, ranging from 10.50% p.a. to 15% p.a., depending on your occupation.

The PNB Housing Roshni home loan calculator will showcase the monthly EMI amount you must repay.