45 Lakh PNB Home Loan

With PNB's 45 lakh Home Loan, owning your dream home becomes a reality. Offering competitive interest rates and flexible repayment options, PNB makes homeownership accessible to all. Whether purchasing a new property or constructing your dream home, PNB provides financial assistance customising your needs. This loan option caters to both individual applicants and joint owners, ensuring eligibility flexibility. With a fast application process and minimal documentation, PNB simplifies the home loan journey. Let PNB be your partner in achieving your homeownership goals and turn your dream home into a reality.

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Table of Content

1. 45 Lakh Home Loan PNB Highlights

2. 45 Lakh PNB Home Loan EMI For 5 Years

3. 45 Lakh PNB Home Loan EMI for 10 years

4. 45 Lakh PNB Home Loan EMI For 15 Years

5. 45 Lakh PNB Home Loan EMI for 20 years

6. 45 Lakh PNB Home Loan EMI For 25 Years

7. 45 Lakh PNB Home Loan EMI For 30 Years

8. 45 Lakh PNB Home Loan Fees and Charges

9. 45 Lakh PNB Home Loan Documents Required

10. 45 Lakh 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.

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.

45 Lakh Home Loan PNB – Highlights

Below is the table of highlights and features of the PNB 45 lakh home loan

Interest Rate	Starting from 8.40% p.a.
Maximum Loan Amount	45 lakh
Maximum Loan Tenure	Up to 30 years
Processing Fees	0.35 of the loan amount

45 Lakh PNB Home Loan EMI For 5 Years

Loan Amount	Rs. 45 Lakhs
Rate of Interest	8.50%
Loan Tenure	5 Years
EMI	Rs. 92,324
Interest Payable	Rs. 10,39,440
Total Amount Payable	Rs. 55,39,440

45 Lakh PNB Home Loan EMI for 10 years

Loan Amount	Rs. 45 Lakhs
Rate of Interest	8.50%
Loan Tenure	10 Years
EMI	Rs. 55,794
Interest Payable	Rs. 21,95,280
Total Amount Payable	Rs. 66,95,280

45 Lakh PNB Home Loan EMI For 15 Years

Loan Amount	Rs. 45 Lakhs
Rate of Interest	8.50%
Loan Tenure	15 Years
EMI	Rs. 44,313
Interest Payable	Rs. 34,76,340
Total Amount Payable	Rs. 79,76,340

45 Lakh PNB Home Loan EMI for 20 years

Loan Amount	Rs. 45 Lakhs
Rate of Interest	8.50%
Loan Tenure	20 Years
EMI	Rs. 39,052
Interest Payable	Rs. 48,72,480
Total Amount Payable	Rs. 93,72,480

45 Lakh PNB Home Loan EMI For 25 Years

Loan Amount	Rs. 45 Lakhs
Rate of Interest	8.50%
Loan Tenure	25 Years
EMI	Rs. 36,235
Interest Payable	Rs. 63,70,500
Total Amount Payable	Rs. 1,08,70,500

45 Lakh PNB Home Loan EMI For 30 Years

Loan Amount	Rs. 45 Lakhs
Rate of Interest	8.50%
Loan Tenure	30 Years
EMI	Rs. 34,601
Interest Payable	Rs. 79,56,360
Total Amount Payable	Rs. 1,24,56,360

Pro Tip : Discover your ideal loan tenure with PNB Home Loan EMI Calculator.

45 Lakh PNB Home Loan – Fees and Charges

In addition to the interest rate applicable to the PNB 45 lakh home loan, there are other expenses to consider. These charges include:

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

45 Lakh PNB Home Loan – Documents Required

To proceed with the application, one must provide specific documents for verification purposes. Below are the details of the essential documents required:

Identity Proof: Authenticate your identity with government-issued cards such as Aadhaar or a driver’s licence.
Proof of Income: 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: NOC from builders/society, a registered sale deed, or a buyer agreement.
Additional Documents: Passport-size photographs to be included in your application file.

45 Lakh PNB Home Loan – Eligibility Criteria

To be eligible for the PNB 45 lakh home loan, applicants must meet certain criteria:

The minimum age should be 18, and the maximum should not exceed 70 at loan maturity.
This loan option is open to both individual applicants and joint owners, providing flexibility in eligibility.
A regular and stable source of income is essential to qualify for this loan.

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Frequently Asked Question (FAQs)

What is the EMI for a 45 lakh Home Loan for 20 years in PNB?

EMI for a 45 lakh Home Loan from PNB with an 8.40% interest rate is ₹38,768.

Who is eligible for a 45 lakh Home loan in PNB?

Applicants with a regular and stable income between 18 and 70 years old are eligible for the PNB 45 Lakh Home Loan.

What is the monthly interest rate of a 45 lakh home loan in PNB?

The PNB 45 Lakh Home Loan interest rate is 8.40% per annum.