1 Crore Home Loan PNB

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Owning your dream home is a significant milestone, and with a 1 crore home loan PNB, you can see this dream coming to reality. Punjab National Bank offers an array of housing loan options up to an amount of ₹1 crore to finance the purchase or construction of your new home. PNB's housing loans are designed to be competitive and flexible, allowing you to customise the repayment plan to fit your budget. The bank understands the needs of its customers and offers a wide range of financing options. Here, we look into the PNB 1 Crore Home loan details.

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Table of Content

1. 1 Crore Home Loan PNB Highlights

2. 1 Crore Home Loan EMI for 10 Years PNB

3. 1 Crore Home Loan EMI for 20 Years PNB

4. 1 Crore PNB Home Loan Fees and Charges

5. 1 Crore PNB Home Loan Documents Required

6. 1 Crore PNB Home Loan Eligibility Criteria

Written By

Thejus KS

A mechanical engineer turned history buff with a sprinkle of financial brilliance. Thejus’s expertise comes with a unique blend of engineering precision, timelines, and the power of numerals. He knows that numbers are the pulse of our globe. Attention to detail and extensive research are the key elements of his writing.

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Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

1 Crore Home Loan PNB – Highlights

Here are the highlights features of the PNB 1 crore Home loan

Interest Rate	Starting from 8.40% p.a.
Maximum Loan Amount	Up to ₹1 crore
Maximum Loan Tenure	Up to 30 years
Processing Fees	0.35 of the loan amount

1 Crore Home Loan EMI for 10 Years PNB

Considering an annual interest rate of 8.40%, we can calculate the EMI for PNB 1 crore Home loan with a 10-year repayment term using an EMI calculator.

Loan Amount	Interest Rate	Loan Tenure	EMI
1 Crore	8.40%	10 Years	₹1,23,452 per month

1 Crore Home Loan EMI for 20 Years PNB

Refer to the table below to find your monthly EMI for a ₹1 crore 20-year PNB home loan at 8.40% interest.

Loan Amount	Interest Rate	Loan Tenure	EMI
1 Crore	8.40%	20 Years	₹86,150 per month

1 Crore PNB Home Loan – Fees and Charges

Associated with the PNB 1 crore Home loan interest rate, there are additional expenses to consider. These charges include:

Particulars	Charges/Fees
Processing Fee	0.35% of the loan amount
Documentation Charges	Rs.1350

1 Crore PNB Home Loan – Documents Required

To process your application, you must submit specific documents for verification. Here are the details of the essential documents to be submitted:

Identity Proof: Provide one of these documents – PAN Card, Aadhaar Card, Voter ID, Passport, or Driving License.
Proof of Income: Depending on your employment status, submit either your latest three months’ salary slips, Form 16 for the last two years (if salaried), or bank statements covering the previous six months (if self-employed).
Property-Related Documents: Include documents related to the property you’re financing. This may involve a NOC from builders/society, a registered sale deed, or a buyer agreement.
Additional Documents: Bring a set of passport-size photographs for your application file.

1 Crore PNB Home Loan – Eligibility Criteria

One should meet the following eligibility criteria to qualify for the PNB 1 crore Home loan.

This loan option is available to both individual applicants and joint owners, offering flexibility in eligibility.
Applicants must be at least 18 years old and not exceed 70 years at loan maturity.
A regular and stable source of income is required to qualify for this loan.

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Frequently Asked Question (FAQs)

What is the EMI for 1 crore Home Loan for 20 years in PNB?

The EMI for a ₹1 crore home loan with a 20-year tenure in PNB at an interest rate of 8.40% would be approximately ₹86,150 per month.

Who is eligible for a 1 crore Home loan in PNB?

This loan option is available to both individual applicants and joint owners, providing flexibility in eligibility. Applicants must be at least 18 years old and not exceed 70 years old at loan maturity. Additionally, a regular and stable source of income is required to qualify for this loan.

What is the monthly interest rate of a 1 crore Home loan in PNB?

The monthly interest rate of a 1 crore home loan from PNB starts from 8.40% p.a.