65 Lakh PNB Home Loan

PNB Housing Finance offers home loans to help you achieve your dream of homeownership. Their loans can cover a significant portion of the cost, including up to ₹65 lakh for your property purchase. These loans cater to salaried and self-employed individuals, with eligibility considering factors like credit score, income, and work experience. With flexible repayment options for up to 30 years, you can choose a plan that aligns with your financial comfort. Whether you're a first-time homebuyer or looking to upgrade, PNB Housing Finance can be a partner in your journey. Let's explore the details to see if a ₹65 lakh PNB home loan is the right fit for you.

65 Lakh PNB Home Loan – Highlights

65 Lakh Home Loan EMI For 5 Years From PNB Bank

65 Lakh Home Loan EMI for 10 years From PNB Bank

65 Lakh Home Loan EMI For 15 Years From PNB Bank

65 Lakh Home Loan EMI for 20 years From PNB Bank

65 Lakh Home Loan EMI For 25 Years From PNB Bank

65 Lakh Home Loan EMI For 30 Years From PNB Bank

Pro Tip : Calculate your dream home’s affordability with PNB Housing Loan EMI Calculator.

65 Lakh PNB Home Loan – Fees and Charges  

65 lakh PNB Home Loan – Documents Required

Applicant Documents:

• Duly filled Loan Application Form: Obtained from the bank.
• Photographs: Passport-sized recent photographs of all applicants.
• Identity Proof: Documents like PAN Card, Passport, Voter ID Card, and Aadhaar Card (mandatory for loans above ₹10 lakh).
• Residence Proof: Similar documents are needed for identity proof (rental agreement, if applicable).
• Age Proof: PAN Card, Passport, or other documents issued by a government authority.
• Educational Qualification Proof: Though not always mandatory, it may sometimes be requested.

Income Documents (Salaried Individuals):

• Salary Slips: The last 3 months’ salary slips with deductions mentioned.
• Form 16: Most recent Income Tax Return (ITR) acknowledgement and Form 16.
• Bank Statements: The bank statements for the last 6 months show salary credits.

Income Documents (Self-Employed Individuals):

• Proof of Business: Business registration documents, licenses, etc.
• Income Tax Returns: ITRs with audited financial statements for the past 3 years.
• Bank Statements: The bank statements for the last 6 months show business income.

Property Documents:

• Sale Deed or Agreement: Original documents for the property being purchased.
• No Objection Certificate (NOC): From housing society or relevant authorities.
• Property Tax Receipts: Up-to-date property tax receipts.
• Building Approvals and Completion Certificates: If applicable for new constructions.
• Encumbrance Certificate: Verifying the property is free from legal or financial claims.

Additional Documents:

• Processing Fee challan (if applicable).
• Co-applicant documents (if applicable) follow the same pattern.

65 lakh PNB Home Loan – Eligibility Criteria

• Minimum Age: 21 years at application, shouldn’t exceed 70 years at loan maturity
• Residency: Permanent resident of India
• Minimum Credit Score: 611 (higher score leads to better interest rates)
• Work Experience:
  • Salaried: Minimum 3 years
  • Self-employed: Minimum 3 years of business continuity
• Minimum Salary: ₹15,000 per month (though higher income may be needed for a ₹65 lakh loan)
• Loan Tenure: Up to 30 years
• Loan-to-Value (LTV): Up to 90% of the property’s market value (meaning you might need a down payment of 10%)