5 Crore Punjab & Sind Bank Home Loan

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Are you looking for instant financial assistance to avoid delaying the purchase of your dream home? Explore the Punjab & Sind Bank 5 crore home loan with attractive features and benefits. With interest rates starting from as low as 8.55% per annum, home loan applicants can avail of need-based funds and up to Rs 20 lakhs for renovation or repair of their existing home. With a home loan repayment tenure of up to 30 years, the applicant can enjoy the perks of budget-friendly EMIs and secure the keys to their dream home. Understand the additional reasons why the 5 crore Punjab & Sind Bank home loan is an ideal option for you.

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Table of Content

1. 5 Crore Punjab & Sind Bank Home Loan Key Highlights

2. 5 Crore Punjab & Sind Bank Home Loan EMI For 5 Years

3. 5 Crore Punjab & Sind Bank Home Loan EMI For 10 Years

4. 5 Crore Punjab & Sind Bank Home Loan EMI For 15 Years

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

6. 5 Crore Punjab & Sind Bank Home Loan EMI For 25 Years

7. 5 Crore Punjab & Sind Bank Home Loan Fees & Charges

8. 5 Crore Punjab & Sind Bank Home Loan Documents Required

  • 8.1 Standard Documentation
  • 8.2 Real Estate Documents
  • 8.3 Renovation Loan Paperwork

    • 9. Eligibility Criteria For 5 Crore Punjab & Sind Bank Home Loan

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    Written By
    Satyam Sachdeva
    Satyam Sachdeva
    Satyam has always been interested in saving money and realising its worth. He created a Demat account when he turned 18 and has been a keen equity and mutual fund investor. Currently, a writer for Urban Money, he uses his skills to guide his readers in the right direction. Satyam strives to make financial complexities easy for everyone to understand with a pinch of creative salt.
    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.

    5 Crore Punjab & Sind Bank Home Loan – Key Highlights

    The key highlights of the 5 crore Punjab & Sind Bank home loan are mentioned in the table below:

    Key Highlight Details
    Loan Purposes For buying a home, constructing a new house, purchasing a plot, and making repairs or renovations.
    Eligibility Criteria Open to individuals, groups, and members of housing societies.
    Interest Rate Starting from 8.55% per annum
    Finance Limits No upper limit for house/flat/plot purchase; up to ₹20 lakh for repairs/renovations.
    Interest and Fees Detailed interest rates and processing fees available via the provided link.
    Loan Tenure Maximum term of 30 years for house construction and purchase loans; 15 years for plot purchase and repairs/renovations.
    Prepayment Policy No charges for prepayment of the loan.

    5 Crore Punjab & Sind Bank Home Loan EMI For 5 Years

    The table below shows the calculated EMI on a 5 crore Punjab & Sind Bank home loan over a tenure of 5 years:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
    Rs 5 crores 11%  5 years ₹10,87,121 ₹1,52,27,269 ₹6,52,27,269

    5 Crore Punjab & Sind Bank Home Loan EMI For 10 Years

    The EMI on a 5 crore Punjab & Sind Bank home loan over a 10-year tenure is mentioned in the table below:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
    Rs 5 crores 11%  10 years ₹6,88,750 ₹3,26,50,007 ₹8,26,50,007

    5 Crore Punjab & Sind Bank Home Loan EMI For 15 Years

    The 5 crore Punjab & Sind Bank home loan will attract the following EMI over a period of 15 years:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
    Rs 5 crores 11%  15 years ₹5,68,298 ₹5,22,93,724 ₹10,22,93,724

    5 Crore Punjab & Sind Bank Home Loan EMI For 20 Years

    Over a 20-year tenure, the EMI applicable on the 5 crore Punjab & Sind Bank home loan is given in the table below:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
    Rs 5 crores 11%  20 years ₹5,16,094 ₹7,38,62,607 ₹12,38,62,607

    5 Crore Punjab & Sind Bank Home Loan EMI For 25 Years

    The EMI on a 5 crore Punjab & Sind Bank home loan over a period of 25 years is mentioned in the table below:

    Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
    Rs 5 crores 11%  25 years ₹4,90,057 ₹9,70,16,962 ₹14,70,16,962

    5 Crore Punjab & Sind Bank Home Loan – Fees & Charges

    The fees & charges on the 5 crore Punjab & Sind Bank home loan are given in the table below:

    Loan Amount Processing Fee
    Up to ₹25 lakh 0.15% of the loan amount (Min ₹1000, Max ₹3750)
    ₹25 lakh to ₹50 lakh 0.25% of the loan amount (Max ₹12500)
    ₹50 lakh to < ₹75 lakh 0.25% of the loan amount (Max ₹15000)
    ₹75 lakh and above 0.25% of the loan amount with no maximum limit

    5 Crore Punjab & Sind Bank Home Loan – Documents Required

    The documents required to avail of a 5 crore Punjab & Sind Bank home loan are given below:

    Standard Documentation

    For a home loan application, you must provide a completed loan application form and proof of identity, which can be your Aadhaar Card, PAN Card, Passport, or Driving Licence. Address proof, an Electricity Bill, a Driving Licence, or an Aadhaar Card is also required. Additionally, proof of income must be submitted, such as Form 16, IT Returns, Profit and Loss statements, or salary slips.

    Real Estate Documents

    You must provide several real estate-related documents, including a valuation certificate, a legal opinion, a valuation report from the branch manager, and a site visit report.

    Renovation Loan Paperwork

    Specific paperwork is necessary for a renovation loan, including a No Objection Certificate (NOC) from the relevant authority, an approved renovation plan, and an estimate of construction or alteration costs prepared by an architect.

    Eligibility Criteria For 5 Crore Punjab & Sind Bank Home Loan

    Refer to the points below to know the eligibility criteria for a 5 crore Punjab & Sind Bank home loan:

    • Minimum Age – 18 years
    • Must be an individual, group, or housing cooperative member.

    Frequently Asked Questions (FAQs)

    What is the EMI for a 5 crore home loan for 20 years from Punjab & Sind Bank?

    If you are offered an interest rate of 11% per annum on your 5 crore Punjab & Sind Bank home loan, the applicable EMI will be ₹5,16,094 over a 20-year tenure.

    Who is eligible for a 5 crore Punjab & Sind Bank home loan?

    Punjab & Sind Bank offers a home loan of Rs 5 crore to individuals who are at least 18 years old and have a consistent income.

    What is the monthly interest rate of 5 crore Punjab & Sind Bank home loans?

    If an applicant has a CIBIL score of 791 and above, the bank's yearly interest rate will be 8.55% per annum, approximately 0.71% monthly.

    Quick Links

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