3 Crore Punjab & Sind Bank Home Loan

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Homeownership can be challenging due to the high property value. The Punjab & Sind Bank’s 3 crore home loan can be a great option in such cases. The bank ensures the best rate available in the market and nominal processing. This ultimately makes it a more cost-effective credit option, as even a slight drop in interest rates can result in significant savings over the long run. Moreover, borrowers can enjoy flexible repayment plans, easy-to-meet eligibility criteria, hassle-free documentation, and quick fund disbursement. To help you make a more informed decision, Urban Money provides a complete overview of this remarkable home loan. We primarily detail the estimated 3 crore home loan EMI in Punjab & Sind Bank, applicable eligibility, necessary documents, and associated fees. Keep scrolling down to learn more.

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Table of Content

1. 3 Crore Home Loan Punjab & Sind Bank Highlights

2. 3 Crore Home Loan EMI for 5 Years

3. 3 Crore Home Loan EMI for 10 Years Punjab & Sind Bank

4. 3 Crore Home Loan EMI for 15 Years Punjab & Sind Bank

5. 3 Crore Home Loan EMI for 20 Years Punjab & Sind Bank

6. 3 Crore Home Loan EMI for 25 Years Punjab & Sind Bank

7. 3 Crore Punjab & Sind Bank Home Loan Fees and Charges

8. 3 Crore Punjab & Sind Bank Home Loan Documents Required

9. 3 Crore Punjab & Sind Bank Home Loan Eligibility Criteria

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Written By
Hepson Franklin
Hepson Franklin
Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.
Reviewed By
Amit Prakash Singh
Amit Prakash Singh
Co-Founder, Square Yards & Chief Business Officer, Urban Money
Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

3 Crore Home Loan Punjab & Sind Bank – Highlights

Have a close look at the key parameters of the Punjab & Sind Bank 3 crore home loan:

Interest Rates Starts at 8.55% p.a.
Loan-to-value (LTV) Ratio 60% of the property value 
Loan Tenure Up to 30 years 
Eligibility Both salaried and self-employed individuals 

3 Crore Home Loan EMI for 5 Years 

Following are the rates and amounts for a 3 crore home loan EMI in Punjab & Sind Bank with a tenure of 5 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹3 Crore 8.55% p.a. 5 years ₹6,16,219 ₹69,73,140 ₹3,69,73,140

3 Crore Home Loan EMI for 10 Years Punjab & Sind Bank 

Here are the rates for a 3 crore home loan EMI for 10 years from the Punjab & Sind Bank:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹3 Crore 8.55% p.a. 10 years ₹3,72,760 ₹1,47,31,200 ₹4,47,31,200

3 Crore Home Loan EMI for 15 Years Punjab & Sind Bank

Have a close look at the Punjab & Sind Bank’s home loan 3 crore EMI amount and rates for a tenure of 15 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹3 Crore 8.55% p.a. 15 years ₹2,96,302 ₹2,33,34,360 ₹5,33,34,360

3 Crore Home Loan EMI for 20 Years Punjab & Sind Bank

Let’s examine the 3 crore home loan EMI for 20 years from the Punjab & Sind Bank:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹3 Crore 8.55% p.a. 20 years ₹2,61,297 ₹3,27,11,280 ₹6,27,11,280

3 Crore Home Loan EMI for 25 Years Punjab & Sind Bank 

Below is the 3 crore home loan EMI in Punjab & Sind Bank with a tenure of 25 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹3 Crore 8.55% p.a. 25 years ₹2,42,580 ₹4,27,74,000 ₹7,27,74,000

3 Crore Punjab & Sind Bank Home Loan – Fees and Charges 

Following are the fees and charges apart from the Punjab & Sind Bank’s home loan interest rate of 3 crore:

Fee/Charge Amount
Processing Fee 0.25% of the loan amount
Prepayment Charges  Nil
Late payment penalty  1% per annum on the default EMIs
Stamp Duty & Other Statutory Charges At actuals

3 Crore Punjab & Sind Bank Home Loan – Documents Required

Below are the required documents for the Punjab & Sind Bank 3 crore home loan:

Identity Proof PAN card, Aadhaar card, Election ID, Passport, Driving License, etc. 
Address Proof Utility bill, Aadhaar card, Driving License, Ration Card, etc.
Salary Proof Past 3-month salary slips, 3-year income tax return, and Form 16.
Business Proof  Last 3-year income tax returns, P&L statement and balance sheet, etc. 
Property Proof Sale Deed, NOC from the builder, allotment letter, encumbrance certificate, approved building plan, etc. 

3 Crore Punjab & Sind Bank Home Loan – Eligibility Criteria 

Here are the requirements for a 3 crore home loan eligibility in Punjab & Sind Bank:

Age Criteria Between 18 and 70 years old
Employment Status  Either salaried or self-employed individuals
Credit Score  Preferably 700 or higher
Nationality  Indian 

Frequently Asked Questions (FAQs)

What is the EMI for a 3 crore home loan for 20 years in Punjab & Sind Bank?

₹2,61,297 is the estimated EMI for a 3 crore home loan over 20 years, subject to the annual interest rate of 8.55%.

Who is eligible for a 3 crore home loan in Punjab & Sind Bank?

Salaried and self-employed individuals are eligible for a 3 crore home loan in Punjab & Sind Bank.

What is the monthly interest rate of a 3 crore home loan in Punjab & Sind Bank?

The monthly interest rate for a ₹3 crore home loan in Punjab & Sind Bank starts at 0.71%.

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