पंजाब नेशनल बैंक (PNB) Max Saver होम लोन (गृह ऋण) (ओवरड्राफ्ट सुविधा)
ऋण प्रदाता बैंक / संस्थान: Punjab National Bank (PNB)
₹10 Lakh to ₹5 Crore home loan at 8.65% – 9.45% with Up to 30 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Overdraft housing loan allowing borrowers to operate home loan account as an OD facility to deposit surplus liquidity and minimize interest costs.
प्रमुख लाभ एवं विशेषताएं
Direct interest savings on surplus balances; instant liquidity withdrawal through debit card and internet banking; tax benefits preserved under Section 24b.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Salaried professionals or businessmen with strong liquid cash flow and minimum CIBIL score of 720.
संपत्ति एवं तकनीकी शर्तें
Approved society apartment or private residence with municipal clearance.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment Terms)
Nil prepayment penalty for floating rate home loans as per RBI mandate
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.pnbindia.in/pnb-max-saver.html with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure available for PNB Max Saver Home Loan (Overdraft)?
The maximum repayment tenure offered for PNB Max Saver Home Loan (Overdraft) is Up to 30 years, subject to borrower's age not exceeding 70 years at loan maturity.
What are the processing charges and prepayment rules for PNB Max Saver Home Loan (Overdraft)?
The processing fee is 0.35% + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for PNB Max Saver Home Loan (Overdraft)?
Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.
Why does PNB Max Saver Home Loan (Overdraft) require property approval in a formal layout?
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible.