75 Lakh Punjab & Sind Bank Home Loan

Punjab & Sind Bank’s 75 Lakh home loan offers a refined solution to secure your ideal home. It is available with flexible repayment options for those seeking comfort and convenience. The EMI for a 75 Lakh home loan from Punjab & Sind Bank is competitively priced, ensuring it fits your financial plan. The loan scheme is designed for refined applicants and provides a smooth and straight path to your property ownership aspirations.

75 Lakh Home Loan Punjab & Sind Bank – Highlights

Here are Punjab & Sind Bank home loan interest rates for 75 Lakh, along with highlights:

75 Lakh Home Loan EMI for 5 Years Punjab & Sind Bank 

If we are taking the interest rate at 8.65% annually, the EMI for the Punjab & Sind Bank housing loan of 75 Lakh for a tenure of 5 years will be as follows:

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

Here are the 75 Lakh home loan EMI for 10 years from Punjab & Sind Bank in a detailed format:

75 Lakh Lome Loan EMI for 15 Years Punjab & Sind Bank 

Here are 75 Lakh home loan EMI for 15 years Punjab & Sind Bank, along with highlights:

75 Lakh Home Loan EMI for 20 years Punjab & Sind Bank 

75 Lakh home loan EMI for 20 years Punjab & Sind Bank are as follows:

75 Lakh Home Loan EMI for 25 years Punjab & Sind Bank 

Punjab & Sind Bank home loan of 75 Lakh EMI for 25 years is mentioned below in the detailed format:

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

Here are the interest rates for a 75 Lakh Punjab & Sind Bank Home Loan:

• The spread is 0.20% for a CIBIL score between 768 and 790, resulting in an effective EBLR of 8.65%.
• The spread is 0.35% for a CIBIL score between 753 and 767, resulting in an effective EBLR of 8.80%.
• The spread is 0.55% for a CIBIL score between 732 and 752, resulting in an effective EBLR of 9.00%.
• The spread is 0.90% for a CIBIL score between 690 and 731, resulting in an effective EBLR of 9.35%.
• The spread is 1.40% for a CIBIL score between 641 and 689, resulting in an effective EBLR of 9.85%.

There are some added fees with Punjab & Sind Bank home loan interest rate of 75 Lakh.

75 Lakh Punjab & Sind Bank Home Loan – Documents Required

Applicants wishing to apply for a Punjab & Sind Bank ₹75 Lakh home loan must provide several important papers.

These consist of legitimate identity documents from the government, like a passport, Aadhaar card, or PAN card, as well as evidence of address, like utility bills, voter ID, or Aadhaar card. Additionally, applicants should provide proof of age, such as a birth certificate, passport, or PAN card. Banks also require 16 income tax returns from the previous two years, the most recent pay stubs, and bank statements from the last six months as proof of income.

Property-related papers include the sale agreement or deed, an authorised building plan, property tax receipts, and, if relevant, a No Objection Certificate (NOC) from the builder or society and an encumbrance certificate. Last, a cheque for the processing fee, passport-sized photos, and a completed and signed loan application form.

75 Lakh Punjab & Sind Bank Home Loan – Eligibility Criteria

The Punjab & Sind Bank 75 Lakh Home Loan is open to both salaried and self-employed individuals, with specific income and age requirements:

Eligible Applicants:

Age Criteria: