25 Lakh PNB Home Loan

Embarking on your home-buying journey can be exhilarating, and Punjab National Bank (PNB) makes it easier with the PNB 25 lakh home loan. Tailored to meet your financial needs, this loan is your gateway to securing your dream home.

PNB offers a competitive PNB home loan interest rate of 25 lakh, ensuring that your dream home is not just a dream but a reality within reach. The loan is designed with flexible EMI for 25 lakh home loan PNB options, catering to both short-term and long-term financial plans. With clear-cut 25 lakh home loans for 10 years PNB and 25 lakh home loan for 20 years PNB plans, the bank positions itself as a reliable partner in fulfilling your homeownership dreams. The bank ensures that, with competitive PNB home loan 25 lakh EMI rates, your journey to owning a home is both affordable and fulfilling.

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Table of Content

1. 25 Lakh Home Loan PNB: Highlights

2. 25 Lakh PNB Home Loan EMI For 5 Years

3. 25 Lakh PNB Home Loan EMI for 10 years

4. 25 Lakh PNB Home Loan EMI For 15 Years

5. 25 Lakh PNB Home Loan EMI for 20 years

6. 25 lakh PNB home loan: Fees and Charges

7. 25 lakh PNB home loan: Documents Required

8. 25 lakh PNB home loan: Eligibility Criteria

  • 8.1 Salaried Applicants:
  • 8.2 Self-Employed Applicants
    • Read more
    Written By
    Amrita Sinha
    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
    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.

    25 Lakh Home Loan PNB: Highlights

    FEATURE DETAIL
    Loan Amount ₹25,00,000
    PNB home loan interest rate for 25 lakh 8.50%
    Tenure Up to 30 years
    25 lakh home loan eligibility PNB Simplified eligibility criteria

    25 Lakh PNB Home Loan EMI For 5 Years

    Loan Amount Rs. 25 Lakhs
    Rate of Interest 8.50%
    Loan Tenure 5 Years
    EMI Rs. 51,291
    Interest Payable Rs. 5,77,460
    Total Amount Payable Rs. 30,77,460

    25 Lakh PNB Home Loan EMI for 10 years

    Loan Amount Rs. 25 Lakhs
    Rate of Interest 8.50%
    Loan Tenure 10 Years
    EMI Rs. 30,996
    Interest Payable Rs. 12,19,520
    Total Amount Payable Rs. 37,19,520

    25 Lakh PNB Home Loan EMI For 15 Years

    Loan Amount Rs. 25 Lakhs
    Rate of Interest 8.50%
    Loan Tenure 15 Years
    EMI Rs. 24,618
    Interest Payable Rs. 19,31,240
    Total Amount Payable Rs. 44,31,240

    25 Lakh PNB Home Loan EMI for 20 years

    Loan Amount Rs. 25 Lakhs
    Rate of Interest 8.50%
    Loan Tenure 20 Years
    EMI Rs. 21,696
    Interest Payable Rs. 27,07,040
    Total Amount Payable Rs. 52,07,040

    Pro Tip : Take the first step to your dream home – Use PNB Housing Loan EMI Calculator today.

    25 lakh PNB home loan: Fees and Charges

    When you apply for a 25 lakh PNB home loan, it is crucial to consider the associated fees and charges. The processing fee for the PNB housing loan for 25 lakh is kept minimal, making it an economical choice compared to many other lending options. This low processing fee is a significant advantage, reducing the initial cost of obtaining the loan.

    Additionally, PNB ensures that there are no hidden charges, providing a transparent borrowing experience.

    25 lakh PNB home loan: Documents Required

    For a 25 lakh home loan from PNB, prepare the following documents:

    • Address proof: Telephone Bill, Aadhar card, Ration Card, Passport, Driving License, Election Card, or any other certificate from the Statutory Authority
    • Age Proof: PAN Card, Passport, or any other certificate from a Statutory Authority
    • Income Proof: salary slips of the last 3 months (for salaried applicants) or Income Proof for business and ITR (for self-employed applicants)

    25 lakh PNB home loan: Eligibility Criteria

    The 25 lakh home loan eligibility PNB requirements are as follows: 

    Salaried Applicants: 

    • Age: 21–70 years
    • Residency: You should be a permanent resident of India.
    • Work experience: Minimum work experience of 3 years.
    • Salary: INR 15,000 per month or more
    • Loan amount: INR 8 lakh onwards
    • Tenure: Up to 30 years
    • LTV: Up to 90%
    • Required Credit Score: 611+

    Self-Employed Applicants

    • Age: 21–70 years
    • Residency: You should be a permanent resident of India.
    • Work experience: At least 3 years of business continuity.
    • Loan amount: INR 8 lakh onwards
    • Tenure: Up to 20 years
    • LTV: Up to 90%
    • Required Credit Score: 611+
    • Additional: You apply for income tax returns.
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