10 Lakh PNB Home Loan

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Owning a home doesn't have to be a distant dream. Punjab National Bank's 10-lakh home loan scheme makes it easier than ever to turn your aspirations into reality. With competitive interest rates, flexible repayment options, and minimal processing fees, PNB empowers you to unlock the door to your own haven.

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Table of Content

1. 10 Lakh Home Loan Highlights for Punjab National Bank

2. 10 Lakh Home Loan EMI For 5 Years From PNB

3. 10 Lakh Home Loan EMI for 10 years From PNB

4. 10 Lakh Home Loan EMI For 15 Years From PNB

5. 10 Lakh Home Loan EMI for 20 years From PNB

6. 10 Lakh PNB Home Loan Fees and Charges

7. 10 Lakh PNB Home Loan Documents Required

8. 10 lakh PNB Home Loan Eligibility Criteria

Written By

Amrita Sinha

Amrita Sinha comes with a background in journalism and mass communication, drawing from her roots in journalism, she has found her voice in the world of finance. As an accomplished writer, she specialises in Financial Services, Mutual Funds, Loan Assessments, Banking & Loan Products. She has established herself as a reliable expert in the field, offering valuable advice to those looking to navigate the various aspects of personal finance.

Reviewed By

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

10 Lakh Home Loan Highlights for Punjab National Bank

Loan amount: Up to Rs. 10 lakh
Competitive interest rates
Flexible repayment tenure (up to 30 years)
Minimal processing fees
Simple documentation

Feature	Benefit
Loan Amount	Up to Rs. 10 lakh
Interest Rates	Starting at 6.95% (subject to change)
Repayment Tenure	Up to 30 years
Loan Processing Fee	Up to 0.35% of loan amount (minimum Rs. 2,500)
Prepayment Charges	Nil for floating rate loans, applicable for fixed rate loans

10 Lakh Home Loan EMI For 5 Years From PNB

Loan Amount	Rs. 10 Lakhs
Rate of Interest	8.50%
Loan Tenure	5 Years
EMI	Rs. 20,517
Interest Payable	Rs. 2,31,020
Total Amount Payable	Rs. 12,31,020

10 Lakh Home Loan EMI for 10 years From PNB

Loan Amount	Rs. 10 Lakhs
Rate of Interest	8.50%
Loan Tenure	10 Years
EMI	Rs. 12,399
Interest Payable	Rs. 4,87,880
Total Amount Payable	Rs. 14,87,880

10 Lakh Home Loan EMI For 15 Years From PNB

Loan Amount	Rs. 10 Lakhs
Rate of Interest	8.50%
Loan Tenure	15 Years
EMI	Rs. 9,847
Interest Payable	Rs. 7,72,460
Total Amount Payable	Rs. 17,72,460

10 Lakh Home Loan EMI for 20 years From PNB

Loan Amount	Rs. 10 Lakhs
Rate of Interest	8.50%
Loan Tenure	20 Years
EMI	Rs. 8,678
Interest Payable	Rs. 10,82,720
Total Amount Payable	Rs. 20,82,720

Pro Tip : Simplify your home loan journey with PNB Housing Loan EMI Calculator.

10 Lakh PNB Home Loan Fees and Charges

Processing fee: 0.35% of loan amount (minimum Rs. 2,500). The loan to value ratio is 80% and interest rates range from 6.95-7.75%. Besides processing fees, you may incur charges for documentation, valuation, and insurance.

However, PNB offers competitive rates and minimal prepayment charges, making it a cost-effective option.

10 Lakh PNB Home Loan Documents Required

The application process is streamlined, requiring standard documents like KYC proofs, income proof, property documents, and bank statements.

KYC documents (PAN, Aadhaar)
Income proof (salary slips/IT returns)
Property documents
Bank statements

10 lakh PNB Home Loan Eligibility Criteria

Salaried individuals and self-employed professionals with a stable income and good credit score are eligible. Specific income criteria may apply.

Salaried/self-employed individuals
Minimum age: 21 years
Maximum age: 60 years (at loan maturity)
Minimum income: As per bank norms

Contact your nearest PNB branch or visit their website for detailed information and loan application assistance as well as EMI calculator. With its competitive rates, flexible options, and hassle-free process, PNB’s 10 lakh home loan scheme is the perfect stepping stone to homeownership.