35 Lakh Punjab & Sind Bank Home Loan

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Owning a home can be an exciting yet challenging endeavour. The Punjab & Sind Bank understands this and offers a remarkable credit opportunity to those seeking to own a home. Namely, eligible applicants can expect to secure a loan up to 35 lakh or even more, subject to your property price and financial profile. Borrowers can further enjoy lower interest rates, personalised repayment plans, easy-to-meet eligibility criteria, and hassle-free documentation. However, calculating your 35 lakh home loan EMI with Punjab & Sind Bank is crucial before you initiate your loan application. This helps you determine whether you can afford the monthly repayment and plan it accordingly, eliminating the typical financial strain many people face during their repayment journey. Let’s scroll down to learn more.

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Table of Content

1. 35 Lakh Home Loan Punjab & Sind Bank Highlights

2. 35 Lakh Home Loan EMI for 5 Years

3. 35 Lakh Home Loan EMI for 10 Years Punjab & Sind Bank

4. 35 Lakh Home Loan EMI for 15 Years Punjab & Sind Bank

5. 35 Lakh Home Loan EMI for 20 Years Punjab & Sind Bank

6. 35 Lakh Home Loan EMI for 25 Years Punjab & Sind Bank

7. 35 Lakh Punjab & Sind Bank Home Loan Fees and Charges

8. 35 Lakh Punjab & Sind Bank Home Loan Documents Required

9. 35 Lakh Punjab & Sind Bank Home Loan Eligibility Criteria

Read more
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.

35 Lakh Home Loan Punjab & Sind Bank – Highlights

Have a close look at the key parameters of the Punjab & Sind Bank 35 lakh home loan:

Interest Rates Begins at 8.55% p.a.
Loan-to-value (LTV) Ratio 75 – 90% of the property value 
Loan Tenure Up to 30 years 
Eligibility Both salaried and self-employed individuals 

35 Lakh Home Loan EMI for 5 Years 

Following are the rates and amounts for a 35 lakh 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
₹35 Lakh 8.55% p.a. 5 years ₹71,892 ₹8,13,520 ₹43,13,520

35 Lakh Home Loan EMI for 10 Years Punjab & Sind Bank 

Here are the rates for a 35 lakh 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
₹35 Lakh 8.55% p.a. 10 years ₹43,489 ₹17,18,680 ₹52,18,680

35 Lakh Home Loan EMI for 15 Years Punjab & Sind Bank

Have a close look at the Punjab & Sind Bank home loan 35 lakh EMI amount and rates for a tenure of 15 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹35 Lakh 8.55% p.a. 15 years ₹34,569 ₹27,22,420 ₹62,22,420

35 Lakh Home Loan EMI for 20 Years Punjab & Sind Bank

Let’s examine the 35 lakh 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
₹35 Lakh 8.55% p.a. 20 years ₹30,485 ₹38,16,400 ₹73,16,400

35 Lakh Home Loan EMI for 25 Years Punjab & Sind Bank 

Below is the 35 lakh 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
₹35 Lakh 8.55% p.a. 25 years ₹28,301 ₹49,90,300 ₹84,90,300

35 Lakh Punjab & Sind Bank Home Loan – Fees and Charges 

Following are the fees and charges apart from the Punjab & Sind Bank home loan interest rate of 35 lakh:

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

35 Lakh Punjab & Sind Bank Home Loan – Documents Required

Below are the required documents for the Punjab & Sind Bank 35 lakh home loan:

KYC Documents PAN card, Aadhaar card, Election ID, Passport, Driving License, etc. 
Residential Documents Utility bill, Aadhaar card, Driving License, Ration Card, etc.
Salary Documents Past 3-month salary slips, 3-year income tax return, and Form 16.
Business Documents  Last 3-year income tax returns, P&L statement and balance sheet, etc. 
Property Documents Sale Deed, NOC from the builder, Allotment Letter, Encumbrance Certificate, Approved Building Plan, etc. 

35 Lakh Punjab & Sind Bank Home Loan – Eligibility Criteria 

Let’s examine the requirements for a 35 lakh 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 35 lakh home loan for 20 years in Punjab & Sind Bank?

₹30,485 is the estimated EMI for a 35 lakh home loan over 20 years, subject to the annual interest rate of 8.55%.

Who is eligible for a 35 lakh home loan in Punjab & Sind Bank?

Salaried and self-employed individuals are eligible for a 35 lakh home loan in Punjab & Sind Bank.

What is the monthly interest rate of a 35 lakh home loan in Punjab & Sind Bank?

The monthly interest rate for a ₹35 lakh home loan in Punjab & Sind Bank starts at 0.72%.

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