About Panthoibi Housing Finance Company Ltd
Panthoibi Housing Finance Company Ltd (PHFCL) is the first major Housing Finance Company from the region of north-east that is regulated and registered with National Housing Bank. The company has aimed to provide quick, easy and affordable home loans to the customer so that he/she can realize the dream of owning a house. The company is very clear with its vision of becoming the leading Housing Finance Company in India. It is working hard to conduct business in the most transparent and fair manner and deliver the highest standard of service. The company is offering the customers a wide array of home loans that can meet their requirements. The registered office of the company is established in the capital of Manipur, Imphal.
Home Loan
Eligibility & Quotes from top PSU & Pvt. Banks | Lowest Interest Rates | Comfortable Tenure
By accepting our "Terms and Conditions" you authorize WIshfin and its associated Partner Banks to run a CIBIL/Experian check for your profile
To,TransUnion CIBIL Limited[Formerly known as Credit Information Bureau (India) Limited]One Indiabulls building ,Unit No 1901 – 1905,19th Floor, Tower 2A-2B, Jupiter Mill compound,Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
- I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
- I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information .
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
- By submitting this registration form, I understand that I am providing express written instructions for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with [Wishfin’s] Terms of Use and Privacy Policy.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,
Name :____________________________Address : ____________________________Date : ____________________________
PHFCL Home Loan Eligibility criteria
The eligibility norms for a home loan has been set by PHFCL. An applicant has to fulfill these norms in case he/she wants to successfully avail a home loan.
- The applicant must be an Indian resident.
- Age plays a very important role in determining the eligibility of an applicant. The loan borrower must be above the age of 21 years when the loan is commenced. It clearly means the loan will be available to only those who are more than 21 years old.
- The applicant should be less than 60 years old when the loan matures. It means the loan has to be fully repaid along with interest by the age of 60 years.
- The applicant has to be a regular employee of a reputed and prominent company or department.
- He/she should have completed a service of at least two years in order to obtain a home loan.
PHFCL Home Loan Eligibility Calculator
How much loan amount I am eligible to take, is one of the questions you ask yourself before signing the dotted line. To give you a clear picture regarding the loan you can actually avail, eligibility calculator has been designed. The tool will compute the loan amount you are eligible enough to obtain. You will have to feed in the details of your net monthly income, the rate of interest, existing EMI if any and tenure of the loan.
PHFCL Home Loan EMI Calculator
Before availing a home loan, it is very important for you to check the amount of monthly installment you will have to pay to completely repay your loan. It is a matter of concern because the monthly EMI if higher, can disturb your budget for the month. Calculating the EMI can turn out to be complex, but the EMI calculator has been created to make things easier and hassle free for you. The tool is simply magical and will provide you with all the information relating to your monthly EMI and total interest payable. You have to enter key details like the desired loan amount, rate of interest and tenure period. PHFCL Home Loan Amount Calculator will give you results instantly.
Types of PHFCL Home Loan
PHFCL offers different home loan schemes for the customers that are well-suited to meet their needs. A customer can benefit from the following schemes-
- Home improvement loan
- Home construction loan
- Home extension loan
- Home purchase loan
- Bridge loan
- Land purchase loan