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Product Details
Bank Name

PNB Housing Finance Limited

Maximum Loan Tenure

30 years

Maximum Loan Amount

Upto INR 50 Lakhs

Interest Rate

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%.

Type

Affordable home loans for low value homes.

Roshni Home Loans
Down Payment

Loan up to 90 percent of the property’s market value.

Fees and Charges

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.

Minimum CIBIL Score

611

Down Payment and Fees
Apply Now

Roshni Home Loans

Special Features

Home loan availiable for households with income as low as INR 10,000 per month.

Eligibility Criteria
  • 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%.

Special Concession

Only for people with low/middle income groups with a monthly household income as low as INR 10,000.

Home Saver Option

No

Features, Eligibility and Concession
Pros
  • 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. 

Cons
  • No home saver option. 

  • High penalty on delayed EMI payment. 

Pros & Cons
Application Procedure

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