15 Lakh PNB Home Loan

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The PNB Housing Finance Limited offers low-interest rate home loans for salaried and self-employed individuals. Getting a loan of 15 Lakh or more is much easier, thanks to the minimum paperwork and quick disbursal process. PNB home loan interest rate for 15 lakh is a minimum of 8.50%, which increases as per the CIBIL score.

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Table of Content

1. 15 Lakh Home Loan PNB Highlights

2. 15 Lakh Home Loan EMI For 5 Years From PNB

3. 15 Lakh Home Loan EMI for 10 years From PNB

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

5. 15 Lakh Home Loan EMI for 20 years From PNB

6. 15 Lakh PNB Home Loan Fees and Charges

7. 15 Lakh PNB Home Loan Documents Required

7.1 For Salaried People

7.2 For Self-Employed People

8. 15 Lakh PNB Home Loan Eligibility Criteria

8.1 For Salaried People

8.2 For Self-Employed People

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything 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.

15 Lakh Home Loan PNB – Highlights

Take a look at the key highlights of the 15 Lakh Home Loan from Punjab National Bank:

Interest Rate	Minimum 8.50% or more
Total Tenure	Up to 30 years
Processing Charges	0.35%
Available for	Salaried and Self-Employed

15 Lakh Home Loan EMI For 5 Years From PNB

Loan Amount	Rs. 15 Lakhs
Rate of Interest	8.50%
Loan Tenure	5 Years
EMI	Rs. 30,775
Interest Payable	Rs. 3,46,500
Total Amount Payable	Rs. 18,46,500

15 Lakh Home Loan EMI for 10 years From PNB

Loan Amount	Rs. 15 Lakhs
Rate of Interest	8.50%
Loan Tenure	10 Years
EMI	Rs. 18,598
Interest Payable	Rs. 7,31,760
Total Amount Payable	Rs. 22,31,760

15 Lakh Home Loan EMI For 15 Years From PNB

Loan Amount	Rs. 15 Lakhs
Rate of Interest	8.50%
Loan Tenure	15 Years
EMI	Rs. 14,771
Interest Payable	Rs. 11,58,780
Total Amount Payable	Rs. 26,58,780

15 Lakh Home Loan EMI for 20 years From PNB

Loan Amount	Rs. 15 Lakhs
Rate of Interest	8.50%
Loan Tenure	20 Years
EMI	Rs. 13,017
Interest Payable	Rs. 16,24,080
Total Amount Payable	Rs. 31,24,080

Pro Tip : Know your EMI in seconds with PNB Home Loan EMI Calculator.

15 Lakh PNB Home Loan – Fees and Charges

The processing fee for the 15 lakh PNB loan is up to 0.35% of the total loan amount. The processing fee carries no hidden charges.

15 Lakh PNB Home Loan – Documents Required

When it comes to seeking a home loan, there are certain documents that the borrower has to submit to the bank. Some of the essential documents required are- IT Return proof, Salary slip, Address proof, and others. To get a PNB 15 lakh home loan, the documents required vary according to the profession of the borrower.

For Salaried People

Address Proof – Aadhar card, passport, driver’s license, phone bill, Ration card, election card, and any other statutory authority certificate.
Income Proof – Salary slip (minimum 3 months) and Bank Statement
Age Proof – Passport, PAN card, or any other legally required document.

For Self-Employed People

Address Proof – Aadhar card, passport, driver’s license, phone bill, Ration card, election card, and any other statutory authority certificate.
Income Proof – IT return of the last 3 years and proof of business
Age Proof – Passport, PAN card, or any other legally required document.

15 Lakh PNB Home Loan – Eligibility Criteria

The 15-lakh home loan eligibility criteria at PNB differ as per the profession.

For Salaried People

Age: The borrower must be at least 21 years of age and not more than 70 years.
Residency: Must be a permanent Indian Resident
Work experience: Minimum 3 years of work experience.
Minimum Salary: Must have a minimum salary of Rs 15,000 or more.
Loan amount: INR 8 lakh onwards
Tenure: Up to 30 years
LTV: Up to 90%
CIBIL Score: 611+

For Self-Employed People

Age: The borrower must be at least 21 years of age and not more than 70 years.
Residency: Must be a permanent Indian Resident
Work Experience: You should have at least 3 years of business continuity.
Loan Amount: INR 8 Lakh onwards.
Tenure: Up to 20 years
LTV: Up 90%
CIBIL score: 611+