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About Punjab & Sind Bank Home Loan Ahmedabad
Punjab & Sind Bank Ahmedabad invites several home loan applicants to get the exclusive variety of home loans whether it is for buying a ready built house, purchasing a plot, constructing a house, or buying under construction property and much more. The loans are disbursed as per the eligibility criteria and repayment capacity of the applicant.
Punjab & Sind Bank Home Loan Ahmedabad at a glance
|Interest Rate||11.25% - 14.00%|
|Loan Amount||For Salaried Class:|
Up-to 18 times monthly net salary/1.5 times of Net Annual Income or ₹ 3 lacs, whichever is less
(a) Pensioners upto the age of 65 years - Up-to 15 times monthly net pension or ₹ 3lacs, whichever is less.
b) For Pensioners above the age of 65 years and upto the age of 70 years - Up-to 10 times monthly net pension or ₹ 1 Lac, whichever is less.
|Tenure||Upto 5 years|
1.0% of the loan amount.
|Pre-payment Charges||Minimum prepayment charges|
The borrowers need to fulfill the following eligibility criteria while applying for Punjab & Sind Bank Home Loan:
(i) Individuals, Group of individuals, and individual members of housing societies are eligible under the scheme
(ii) Minimum age limit should be 18 years Maximum age limit should be subject to maximum age for repayment period
(iii) The following are the applicable categories in terms of availing guarantee towards home loan:
In case of Co-borrower: Third Party Guarantee may be waived.
In all other cases: guarantee of spouse or Major son may be obtained, if available
In cases, where sale deed/ lease deed/conveyance deed is to be registered after a considerable gap like in cases of Installment/construction linked plan e.g. Authority/ Society/ Builder’s flats/plots: Guarantee of earning spouse/ major son or suitable third party guarantee must be obtained.
The salaried employees/self-employed professionals and businessmen need to produce the following documents while applying for home loan.
Identity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card
Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID
Income Proof-Latest Salary Slips & Form 16 for Salaried employees, Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years for self-employed professionals and businessmen.
Bank Account Statement for the Last 6 Months.
Track record of existing loans, if any.
Details of property you look to buy & construct.
To know more details, visit Home Loan Ahmedabad
Address of Punjab & Sind Bank Branches in Ahmedabad
|Branch Name||Complete Address||IFSC||MICR||Contact Number|
|Gandhi Road Ahmedabad||Gandhi Road, Ahmedabad - 380001||PSIB0000240||380023002||079-2145869|
|Reid Road, Ahmedabad||P.B.No 1091, Railway Pura, Reid Road Ahmedabad, Gujarat - 380002||PSIB0000476||380023003||079 2145878|
|Ahmedabad, Satellite Area||Shop No 10, 11, 12 Pushpam Complex, Opp Seema Hall, 100 Feet Road, Anand Nagar, Ahmedabad, Gujrat - 380015||PSIB0000925||NON-MICR||079 27556985|