Punjab एवं Sind Bank PSB अपना घर आवास ऋण
ऋण प्रदाता बैंक / संस्थान: Punjab & Sind Bank
Up to ₹5 Crore home loan at 8.50% – 9.35% with Up to 30 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
PSB's trusted retail mortgage scheme offering simple documentation and competitive repo-linked rates across North and Pan-India.
प्रमुख लाभ एवं विशेषताएं
Low processing fee; no hidden admin charges; special concessions for women; zero penalty on early prepayment.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Salaried individuals, professionals, and agriculturists with verifiable annual income.
संपत्ति एवं तकनीकी शर्तें
Approved property plan with 13-year chain of title deeds.
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 without formal local body approvals.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://punjabandsindbank.co.in/content/apnaghar 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 Punjab & Sind Bank PSB Apna Ghar Housing Loan?
The maximum repayment tenure offered for Punjab & Sind Bank PSB Apna Ghar Housing Loan 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 Punjab & Sind Bank PSB Apna Ghar Housing Loan?
The processing fee is 0.25% (Min ₹1,000, Max ₹10,000) + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for Punjab & Sind Bank PSB Apna Ghar Housing Loan?
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 Punjab & Sind Bank PSB Apna Ghar Housing Loan 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 without formal local body approvals.