About Punjab National Bank Home Loan in Ghaziabad
In today’s time when inflation is touching the sky, buying a home loan only from the earnings is a little difficult. However, money can not stop you from buying your dream home because home loans are here. Punjab National Bank home loan is one of the best home loans in the Indian market today where you get the option to pay lower EMIs. In Ghaziabad, the eligibility criteria, documentation required for a home loan are as follows:
Punjab National Bank Home Loan Ghaziabad at a Glance
| Particulars | Details |
|---|---|
| Interest Rate | 8.60% - 9.95% |
| Loan amount | For Public: Up to ₹1 Crores For Pradhan Mantri Awas Yojana: Up to ₹30 lakhs |
| Tenure | For Public: Up to 30 years For Pradhan Mantri Awas Yojana: Up to 15 years |
| Processing Fee | For Public: For ₹300 lac- 0.50% of loan amount Maximum ₹20000/- For above - ₹50000/- For Pradhan Mantri Awas Yojana: NIL |
Eligibility Criteria
The eligibility criteria to apply for a home loan or housing loan at Punjab National Bank (PNB) is as follows:
- For Public: Individuals or Joint owners.
- For Pradhan Mantri Awas Yojana:
- EWS households are defined as households having an annual income up to ₹3,00,000
- LIG households are defined as households having an annual income above ₹3,00,000 and up to ₹6,00,000
Documents Required
The list of documents that an applicant must have at the time of applying for a home loan at PNB is as follows:
Identity Proof:
- Valid
- Passport
- Voter ID Card
- Aadhaar Card
- Valid Driving Licence
Address Proof:
- Valid Passport
- Voter ID Card
- Aadhaar Card
- Valid Driving Licence
Income Proof:
- Last 3 months’ Salary Slips
- Last 6 months’ Bank Statements showing salary credits
- Latest Form-16 and IT returns
Property Proof:
- Title Deeds of the Plot
- Proof of no encumbrances on the property
- Copy of the plans approved by the Local Authorities
- Construction estimate by an Architect / Civil engineer
Other Documents:
- Employment Contract/Appointment Letter in case current employment is less than 1 year old
- Last 6 months’ Bank Statements showing repayment of any ongoing loans
- Duly filled application form along with recent passport
- Own Contribution Proof
For more information, read Home Loan Ghaziabad
Address of Punjab National Bank Branches in Ghaziabad
| Branch Name | Complete Address | IFSC | MICR | Contact Number |
|---|---|---|---|---|
| G T Road, Ghaziabad | G T Road, Ghaziabad, U.P 201001 | PUNB0018000 | 110024213 | 0120-2831042, 2852685 |
| Mohan Nagar | Mohan Nagar, District Ghaziabad, U.P | PUNB0034100 | 110024201 | 0120-2940101-106 |
| Navyug Market, Ghaziabad | Navyug Market, District. Ghaziabad, U.P - 201001 | PUNB0067400 | 110024202 | 95120-2794882, 0339 |
| Shastri Nagar, Ghaziabad | Shastri Nagar, District Ghaziabad, U.P | PUNB0205100 | 110024205 | 0120-2706061, 2781665 |
| Sikhera | Sikhera, District Ghaziabad U.P | PUNB0275600 | 245024054 | 05731-296238 |
| Kaushambi | D - 64, Kaushambi, Ghaziabad, U.P 201010 | PUNB0300000 | 110024188 | 0120-2776008/289 |
| Ambedkar Marg, Meerut | Ambedkar Marg, District Ghaziabad, U.P | PUNB0370300 | 110024198 | 0120-2711763, 53277 |
| Jindal Nagar, Ghaziabad | Jindal Nagar, Khera - Philkhuwa, Ghaziabad, U.P 245304 | PUNB0370500 | 110024247 | 0122-2325666 |
| GT Road, Sahibabad | GT Road, Ghaziabad, Up - 201005 | PUNB0370900 | 110024170 | 0120-2931970, 2634653 |
| Brij Vihar | Brij Vihar, Ghaziabad, U.P. | PUNB0371100 | 110024196 | 0120-2628105, 2624468 |
| AKP Vijay Nagar, Ghaziabad | Arya Kanya Pathshala, Sector 9, Vijay Nagar, Ghaziabad, Up 201009 | PUNB0394600 | 110024210 | 0120-2740963, 2843564 |
| Kavi Nagar | KL - 44, Kavi Nagar, Ghaziabad, Up 201001 | PUNB0394700 | 110024194 | 0120-2781672 |
| VMLG, Ghaziabad | VMLG, (Near Sushila Devi Girls School), Ghaziabad, U.P - 201001 | PUNB0394800 | 110024195 | 0120-2717346, 2706026 |
| Meerut Road | Patel Nagar, Meerut Road, Ghaziabad, U.P | PUNB0402100 | 110024209 | 0120-2736400, 2851238 |