65 Lakh PNB Home Loan

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PNB Housing Finance offers home loans to help you achieve your dream of homeownership. Their loans can cover a significant portion of the cost, including up to ₹65 lakh for your property purchase. These loans cater to salaried and self-employed individuals, with eligibility considering factors like credit score, income, and work experience. With flexible repayment options for up to 30 years, you can choose a plan that aligns with your financial comfort. Whether you’re a first-time homebuyer or looking to upgrade, PNB Housing Finance can be a partner in your journey. Let’s explore the details to see if a ₹65 lakh PNB home loan is the right fit for you.

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65 Lakh Punjab National Bank Home Loan EMI Calculator

Loan Amount

₹

5 Lac
20 Cr

Loan Tenure

Years

Rate Of Interest

Monthly Loan EMI

Payment Breakdown:

Principal Amount

₹65,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 65 Lakh PNB Home Loan Highlights

2. 65 Lakh Home Loan EMI For 5 Years From PNB Bank

3. 65 Lakh Home Loan EMI for 10 years From PNB Bank

4. 65 Lakh Home Loan EMI For 15 Years From PNB Bank

5. 65 Lakh Home Loan EMI for 20 years From PNB Bank

6. 65 Lakh Home Loan EMI For 25 Years From PNB Bank

7. 65 Lakh Home Loan EMI For 30 Years From PNB Bank

8. 65 Lakh PNB Home Loan Fees and Charges

9. 65 lakh PNB Home Loan Documents Required

10. 65 lakh PNB Home Loan Eligibility Criteria

Written By

Kirti Bansal

Kirti Bansal is an esteemed financial expert and accomplished writer, specializing in a range of financial topics, including Financial Services, Investments, Loan Assessments, Mutual Funds, and Banking. With a wealth of experience in the financial industry, she has earned a reputation as a trusted voice! Her expertise serves as a beacon for those navigating the intricacies of 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.

Last Updated: 19th November 2024

65 Lakh PNB Home Loan – Highlights

Features	Description
Who Are Eligible?	Indian residents with 3 years of work experience
Maximum Loan Amount	Up to ₹5 Cr (may vary depending on property value, income, and creditworthiness)
Loan Tenure	Up to 30 years
Margin	Up to 10% (may vary depending on loan amount and LTV ratio)
Upfront Fee	Processing Fee: 0.50% of loan amount (approx. ₹32,500)
Collateral/Security	Equitable mortgage of the property being purchased

65 Lakh Home Loan EMI For 5 Years From PNB Bank

Loan Amount	Rs. 65 Lakhs
Rate of Interest	8.50%
Loan Tenure	5 Years
EMI	Rs. 1,33,357
Interest Payable	Rs. 15,01,420
Total Amount Payable	Rs. 80,01,420

65 Lakh Home Loan EMI for 10 years From PNB Bank

Loan Amount	Rs. 65 Lakhs
Rate of Interest	8.50%
Loan Tenure	10 Years
EMI	Rs. 80,591
Interest Payable	Rs. 31,70,920
Total Amount Payable	Rs. 96,70,920

65 Lakh Home Loan EMI For 15 Years From PNB Bank

Loan Amount	Rs. 65 Lakhs
Rate of Interest	8.50%
Loan Tenure	15 Years
EMI	Rs. 64,008
Interest Payable	Rs. 50,21,440
Total Amount Payable	Rs. 1,15,21,440

65 Lakh Home Loan EMI for 20 years From PNB Bank

Loan Amount	Rs. 65 Lakhs
Rate of Interest	8.50%
Loan Tenure	20 Years
EMI	Rs. 56,409
Interest Payable	Rs. 70,38,160
Total Amount Payable	Rs. 1,35,38,160

65 Lakh Home Loan EMI For 25 Years From PNB Bank

Loan Amount	Rs. 65 Lakhs
Rate of Interest	8.50%
Loan Tenure	25 Years
EMI	Rs. 52,340
Interest Payable	Rs. 92,02,000
Total Amount Payable	Rs. 1,57,02,000

65 Lakh Home Loan EMI For 30 Years From PNB Bank

Loan Amount	Rs. 65 Lakhs
Rate of Interest	8.50%
Loan Tenure	30 Years
EMI	Rs. 49,979
Interest Payable	Rs. 1,14,92,440
Total Amount Payable	Rs. 1,79,92,440

Pro Tip : Calculate your dream home’s affordability with PNB Housing Loan EMI Calculator.

65 Lakh PNB Home Loan – Fees and Charges

Fee/Charge	Estimated Cost
Processing Fee	0.50% of the loan amount (approx. ₹32,500)

65 lakh PNB Home Loan – Documents Required

Applicant Documents:

Duly filled Loan Application Form: Obtained from the bank.
Photographs: Passport-sized recent photographs of all applicants.
Identity Proof: Documents like PAN Card, Passport, Voter ID Card, and Aadhaar Card (mandatory for loans above ₹10 lakh).
Residence Proof: Similar documents are needed for identity proof (rental agreement, if applicable).
Age Proof: PAN Card, Passport, or other documents issued by a government authority.
Educational Qualification Proof: Though not always mandatory, it may sometimes be requested.

Income Documents (Salaried Individuals):

Salary Slips: The last 3 months’ salary slips with deductions mentioned.
Form 16: Most recent Income Tax Return (ITR) acknowledgement and Form 16.
Bank Statements: The bank statements for the last 6 months show salary credits.

Income Documents (Self-Employed Individuals):

Proof of Business: Business registration documents, licenses, etc.
Income Tax Returns: ITRs with audited financial statements for the past 3 years.
Bank Statements: The bank statements for the last 6 months show business income.

Property Documents:

Sale Deed or Agreement: Original documents for the property being purchased.
No Objection Certificate (NOC): From housing society or relevant authorities.
Property Tax Receipts: Up-to-date property tax receipts.
Building Approvals and Completion Certificates: If applicable for new constructions.
Encumbrance Certificate: Verifying the property is free from legal or financial claims.

Additional Documents:

Processing Fee challan (if applicable).
Co-applicant documents (if applicable) follow the same pattern.

65 lakh PNB Home Loan – Eligibility Criteria

Minimum Age: 21 years at application, shouldn’t exceed 70 years at loan maturity
Residency: Permanent resident of India
Minimum Credit Score: 611 (higher score leads to better interest rates)
Work Experience:
- Salaried: Minimum 3 years
- Self-employed: Minimum 3 years of business continuity
Minimum Salary: ₹15,000 per month (though higher income may be needed for a ₹65 lakh loan)
Loan Tenure: Up to 30 years
Loan-to-Value (LTV): Up to 90% of the property’s market value (meaning you might need a down payment of 10%)

Frequently Asked Question (FAQs)

What is the EMI for a 65 lakh Home Loan for 20 years in PNB?

The estimated EMI for a 65 lakh home loan over 20 years at an 8.5% annual interest rate is approximately ₹56,409 per month.

Who is eligible for a 65 lakh Home loan in PNB?

Eligibility depends on the applicant’s income, age, qualifications, number of dependents, co-applicants income, assets, liabilities, occupation stability, and savings history.

What is the monthly interest rate of 65 lakh home loans in PNB?

The monthly interest rate for an 8.5% annual rate is approximately 0.708% per month.

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