80 Lakh PNB Home Loan

Unlocking the doors to homeownership is no longer farfetched; it is now within reach with the PNB 80 lakh Home Loan. PNB paves the way for individuals to realise their dream homes by offering competitive rates and flexible repayment plans. You can buy or build a new property, and PNB provides various financial solutions to facilitate the same. This guide explores the features, eligibility, and application process for the PNB 80 lakh Home Loan, empowering prospective homeowners to make informed choices. Let PNB be your ally on homeownership, turning aspirations into reality.

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Table of Content

1. 80 Lakh Home Loan PNB Highlights

2. 80 Lakh Home Loan EMI For 5 Years From PNB Bank

3. 80 Lakh Home Loan EMI for 10 years From PNB Bank

4. 80 Lakh Home Loan EMI For 15 Years From PNB Bank

5. 80 Lakh Home Loan EMI for 20 years From PNB Bank

6. 80 Lakh Home Loan EMI For 25 Years From PNB Bank

7. 80 Lakh Home Loan EMI For 30 Years From PNB Bank

8. 80 Lakh PNB Home Loan Fees and Charges

9. 80 Lakh PNB Home Loan Documents Required

10. 80 Lakh PNB Home Loan Eligibility Criteria

Written By

Kirti Bansal

Kirti Bansal is an esteemed financial expert and accomplished writer, specializing in a range of financial topics, including Financial Services, Investments, Loan Assessments, Mutual Funds, and Banking. With a wealth of experience in the financial industry, she has earned a reputation as a trusted voice! Her expertise serves as a beacon for those navigating the intricacies of 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.

80 Lakh Home Loan PNB – Highlights

Highlights and features of the PNB 80 lakh home loan are given in the table below.

Interest Rate	Starting from 8.40% p.a.
Maximum Loan Amount	80 lakh
Maximum Loan Tenure	Up to 30 years
Processing Fees	0.35 of the loan amount

80 Lakh Home Loan EMI For 5 Years From PNB Bank

Loan Amount	Rs. 80 Lakhs
Rate of Interest	8.50%
Loan Tenure	5 Years
EMI	Rs. 1,64,132
Interest Payable	Rs. 18,47,920
Total Amount Payable	Rs. 98,47,920

80 Lakh Home Loan EMI for 10 years From PNB Bank

Loan Amount	Rs. 80 Lakhs
Rate of Interest	8.50%
Loan Tenure	10 Years
EMI	Rs. 99,189
Interest Payable	Rs. 39,02,680
Total Amount Payable	Rs. 1,19,02,680

80 Lakh Home Loan EMI For 15 Years From PNB Bank

Loan Amount	Rs. 80 Lakhs
Rate of Interest	8.50%
Loan Tenure	15 Years
EMI	Rs. 78,779
Interest Payable	Rs. 61,80,220
Total Amount Payable	Rs. 1,41,80,220

80 Lakh Home Loan EMI for 20 years From PNB Bank

Loan Amount	Rs. 80 Lakhs
Rate of Interest	8.50%
Loan Tenure	20 Years
EMI	Rs. 69,426
Interest Payable	Rs. 86,62,240
Total Amount Payable	Rs. 1,66,62,240

80 Lakh Home Loan EMI For 25 Years From PNB Bank

Loan Amount	Rs. 80 Lakhs
Rate of Interest	8.50%
Loan Tenure	25 Years
EMI	Rs. 64,418
Interest Payable	Rs. 1,13,25,400
Total Amount Payable	Rs. 1,93,25,400

80 Lakh Home Loan EMI For 30 Years From PNB Bank

Loan Amount	Rs. 80 Lakhs
Rate of Interest	8.50%
Loan Tenure	30 Years
EMI	Rs. 61,513
Interest Payable	Rs. 1,41,44,680
Total Amount Payable	Rs. 2,21,44,680

Pro Tip : Plan your finances with ease – Use PNB Home Loan EMI Calculator now.

80 Lakh PNB Home Loan – Fees and Charges

Apart from the interest rate associated with the PNB 80 lakh home loan, borrowers need to consider additional expenses. These charges encompass:

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

80 Lakh PNB Home Loan – Documents Required

During the application process, one should provide specific documents for verification purposes. Here is a list of the essential documents required:

Identity Proof: PAN Card, Aadhaar Card, Voter ID, Passport, or Driving License.
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.

80 Lakh PNB Home Loan – Eligibility Criteria

To qualify for the PNB 80 lakh home loan, applicants need to fulfil the following requirements:

Applicants must be at least 18 years old and not exceed 70 years old at loan maturity.
This loan option caters to both individual applicants and joint owners, offering versatility in eligibility criteria.
A regular and stable source of income is crucial to meet the qualification standards for this loan.

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Frequently Asked Question (FAQs)

What is the EMI for 80 lakh Home Loan for 20 years in PNB?

The monthly EMI for an 80 lakh Home Loan from PNB, with an interest rate of 8.40%, amounts to ₹68,920.

Who is eligible for an 80 lakh Home loan in PNB?

Individuals aged between 18 and 70 with a consistent and reliable income can apply for the PNB 80 Lakh Home Loan.

What is the monthly interest rate of an 80 lakh home loan in PNB?

The PNB 80 Lakh Home Loan carries an annual interest rate of 8.40%.