उत्पाद विवरण
बैंक का नाम
PNB Housing Finance Limited
अधिकतम ऋण अवधि
30 years
अधिकतम ऋण राशि
Upto INR 50 Lakhs
ब्याज दर
The rate of interest
For salaried: 10.5% to 14.25%.
For self-employed: home loan 11.50% to 14.50%.
Loan against property 11.5% to 15%.
प्रकार
Floating
अग्रिम भुगतान
Loan up to 90 percent of the property’s market value.
फीस और शुल्क
Processing Fee: 1% + GST of the total loan amount.
Prepayment Charges: NIL in case the property is in the name of the individual.
Penal Interest: 24% on unpaid amount.
Legal Fee: At actual.
Stamp Duty And Registration Charges: At actual.
न्यूनतम CIBIL स्कोर
611
डाउन पेमेंट और शुल्क
Roshni Home Loans
विशेष लक्षण
Home loan availiable for households with income as low as INR 10,000 per month.
पात्रता मापदंड
A salaried employee of local and stable business entity. The employer’s company can be a sole proprietorship/partnership/private limited/limited company/trust, among other things.
A self-employed person with informal income from a low/middle income group, with a households earning as low as INR 10,000. This also applicable to combined income when there is a co-applicant.
At the time of loan maturity, you should not be older than 70 years old.
Age: All applicants must be above the age of 21 years at the time of commencement of loan. Additionally, your age should not exceed 70 years at the time of the maturity of the loan.
Residency: You should be a permanent resident of India.
Salary: Minimum salary required INR 15,000 per month or more
LTV: Up to 90%.
विशेष रियायत
Only for people with low/middle income groups with a monthly household income as low as INR 10,000.
होम सेवर विकल्प
No
विशेषताएं, पात्रता और रियायत
पेशेवरों
Home loan availiable for households with income as low as INR 10,000 per month.
0 prepayment penalty.
Low interest rate.
Minimal formal income documentation.
दोष
No home saver option.
High penalty on delayed EMI payment.
पक्ष विपक्ष
Application Procedure
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