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Loan Details
Bank Name
Punjab & Sind Bank
Maximum Loan Tenure
Up to 30 years.
Maximum Loan Amount
No limit.
Interest Rate
8.50% to 9.85% per annum.
Type
Floating
Down Payment
For purchase of plot only, offered/allotted by Govt. authorities and/ or builders who are bank’s borrowers: 25% of the Fair Market Value of plot for loan amount of upto Rs.1 crore. 40% of the Fair Market Value of plot for loan amount above Rs.1 crore. For construction (plot already owned): 10% of the value of construction, proportionate for loans up to Rs. 30 lakh. 20% of the value of construction, proportionate for loans above Rs. 30 lakh. For purchase of plot and construction (project): For purchase of plot: 30% of fair market value of land/plot. For construction: 10% of the value of construction, proportionate for loans up to Rs. 30 lakh, 20% of the value of construction, proportionate for loans above Rs. 30 lakh. For purchase of built-up dwelling unit/flat: 10% of the total value of property for loans up to Rs. 30 lakh. 20% of the total value of property for loans above Rs. 30 lakh. For Extension / Renovation /Repair: 10% of the total estimated cost.
Fees and Charges
Processing fees- NIL Pre-payment charges: NIL for floating interest rate. Late payment charges: 1% Legal charges: At actuals. Stamp Duty and registration charges: At actuals.
Minimum CIBIL Score
Not specified by the bank.
Down Payment and Fees
PSB Apna Ghar- Sahaj
Special Features
No processing fee.
Eligibility Criteria
- Permanent employees of Central/State governments/Public Sector Undertakings (PSU).
- Permanent employees of reputed education institutes as approved by the bank.
Age limit
- Minimum: 21 years
- Maximum: Subject to adjustment of the loan before the age of an employee without pension: 60 years. An employee with pension: 70 years
Special Concession
This scheme is only extended to the permanent employees of Central/State governments/Public Sector Undertakings (PSU), and reputed education institutes as approved by the bank.
Home Saver Option
Features, Eligibility and Concession
Pros
- No limit on the maximum loan amount.
- No processing fee.
Cons
- Only for specific classes of employees
Pros & Cons
Product Review
About this content
Public source: Original MyRupaya page
Captured 2026-11-10T05:11:09.982201+00:00. Public page text has been preserved and restyled. Historical financial/product information may be outdated. Embedded widgets and forms are not copied or connected to live services.
