पंजाब नेशनल बैंक (PNB) Pride आवास ऋण के लिए Defence एवं Govt
ऋण प्रदाता बैंक / संस्थान: Punjab National Bank (PNB)
Up to ₹5 Crore home loan at 8.40% – 9.00% with Up to 30 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Targeted home loan for defense, paramilitary, and government employees with zero upfront processing fees and extended repayment.
प्रमुख लाभ एवं विशेषताएं
Interest rate concession; nil processing and inspection charges; tenure up to 30 years or age 75; simplified single-window processing.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Serving/retired defense and central/state government personnel.
संपत्ति एवं तकनीकी शर्तें
Approved residential colony or individual dwelling on municipal land.
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-pride.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 Pride Housing Loan for Defence & Govt?
The maximum repayment tenure offered for PNB Pride Housing Loan for Defence & Govt is Up to 30 years, subject to borrower's age not exceeding 75 years at loan maturity.
What are the processing charges and prepayment rules for PNB Pride Housing Loan for Defence & Govt?
The processing fee is Nil processing fee. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for PNB Pride Housing Loan for Defence & Govt?
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 Pride Housing Loan for Defence & Govt 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.