90 Lakh PNB Home Loan

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Punjab National Bank (PNB) is one of the premier banks in India. It offers a substantial loan amount of up to 90 lakh rupees, designed to cater to the diverse needs of its customers. This includes salaried individuals, entrepreneurs, and self-employed professionals looking to buy or construct their perfect home. The bank further ensures eligible applicants expect more competitive interest rates, reduced processing fees, and personalised repayment plans, making it a more borrower-friendly credit option. For more detailed information about a PNB 90 lakh home loan, continue to read on. You will find details such as the 90 lakh home loan EMI with PNB, pertinent interest rates, eligibility criteria, and required documentation, among other aspects. Let’s dive in.

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Table of Content

1. 90 Lakh Home Loan PNB Highlights

2. 90 Lakh Home Loan EMI for 10 Years PNB

3. 90 Lakh Home Loan EMI for 20 Years PNB

4. 90 Lakh PNB Home Loan Fees and Charges

5. 90 Lakh PNB Home Loan Documents Required

6. 90 Lakh PNB Home Loan Eligibility Criteria

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.

90 Lakh Home Loan PNB – Highlights

Here are the expected PNB home loan interest rate for 90 lakh and other key parameters:

Interest Rates	9.40% p.a. onwards
Loan Amount	Up to 90% of the property price
Loan Tenure	30 years
Eligibility	Applicants must be below 70 years

90 Lakh Home Loan EMI for 10 Years PNB

Here are the 90 lakh home loan EMI for 10 years at PNB:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹90 Lakh	9.40% p.a.	10 years	₹1,15,966	₹49,15,920	₹1,39,15,920

90 Lakh Home Loan EMI for 20 Years PNB

Here are the 90 lakh home loan EMI for 20 years at PNB:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹90 Lakh	9.40% p.a.	20 years	₹83,305	₹1,09,93,200	₹1,99,93,200

90 Lakh PNB Home Loan – Fees and Charges

There are certain fees and charges you must be aware of, In addition to the 90 Lakh Home Loan EMI at PNB, as follows:

Fee/Charge	Amount
Processing fee	0.35% of the loan amount
Prepayment charges	Up to 3% of the prepaid amount.
Late payment charges	24% p.a. on the default EMI. I.e., 2% per month
Documentation charges	₹1,350
Stamp duty	As per the state law
Legal charges	As per actual

90 Lakh PNB Home Loan – Documents Required

Here are the required documents for a PNB 90 Lakh home loan:

KYC Documents	PAN Card, Passport, Aadhaar Card, Driver’s License, etc.
Residential Documents	Telephone Bill, Ration Card, Electricity Bill, Voter ID, etc.
Income Documents	Salary Slip/Business Proof, ITR, and Bank Statements.

90 Lakh PNB Home Loan – Eligibility Criteria

90 Lakh home loan eligibility at PNB is as follows:

Age Limit	21 – 70 years old
Employment Type	Either salaried or self-employed individuals
Employment Experience	3 years of work experience or business continuity
Credit Score	Minimum of 611 or higher
Residential Status	Permanent resident of India

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Frequently Asked Question (FAQs)

What is the EMI for a 90 lakh Home Loan for 20 years in PNB?

The estimated EMI for a 90 Lakh home loan over 20 years from PNB would be about ₹83,305, based on an annual interest rate of 9.40%.

Who is eligible for a 90 lakh Home loan in PNB?

Both salaried and self-employed individuals are eligible for a 90 lakh home loan at PNB, subject to their property value and monthly income.

What is the monthly interest rate of a 90 lakh home loan in PNB?

The monthly interest rates for a 90 Lakh home loan at PNB start at 0.78%.