About Punjab & Sind Bank Home Loan Bhubaneswar
Do you wish to avail affordable interest rate on your home loan? Consider Punjab & Sind Bank Home Loan Bhubaneswar which disburses you reasonable home loans that accommodate your pockets and fulfill your housing dreams. The bank brings you the extensive categories of home loans to choose from so as to accomplish your different kind of needs.
Punjab & Sind Bank Home Loan Bhubaneswar at a glance
|Interest Rate||11.15% - 12.75%|
|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 Bhubaneswar
Address of Punjab & Sind Bank Branches in Bhubaneswar
|Branch Name||Complete Address||IFSC||MICR||Contact Number|
|Bhubaneshwar||150, Ashok Nagar, Rajmahal Chowk Bhubeneshwar||PSIB0000358||751023002||0674-2533533|
|Biju Patnaik College , Bhubaneswar||Biju Patnaik College Of Science & Education, Bhubaneswar, Orissa - 751015||PSIB0000789||751023002||0674 2557979|
|Baramunda||Plot No 1026/2216, Baramunda, Unit -19, Bhubaneswar, Disttâ”Œâ•Œkhorda, Odisha - 751003||PSIB0021498||NON-MICR||9937196739|