Punjab & Sind Bank Home Loan in Chandigarh
Last Updated : April 11, 2017, 4:20 p.m.
About Punjab & Sind Bank Home Loan Chandigarh
Punjab & Sind Bank Home Loan Chandigarh invites home loan applicants to apply for home loans for a range of objectives. Whether for constructing or buying a new house, redecoration or improvement of an existing house, purchase of a resale house, balance transfer or extension of your existing home, for any repair work etc. The loans are available at flexible interest rates that can accommodate the varied needs and pockets of every borrower.
Punjab & Sind Bank Home Loan Chandigarh at a glance
| Particulars | Details |
|---|---|
| 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 For Pensioner: (a) Pensioners upto the age of 65 years - Up-to 15 times monthly net pension or ₹ 3 lacs, 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 |
| Processing Fee | One-Time: 1.0% of the loan amount. |
| Pre-payment Charges | Minimum prepayment charges |
Eligibility Criteria
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.
Documents Required
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 Chandigarh
Address of Punjab & Sind Bank Branches in Chandigarh
| Branch Name | Complete Address | IFSC | MICR | Contact Number |
|---|---|---|---|---|
| Chandigarh Sector17 - C | Sector 17 - C Chandigarh | PSIB0000032 | 160023006 | 0172-702970/713698 |
| Chandigarh Sector 34 | S.C.O.371 - 373 Sector - 34a, Chandigarh - 160022 | PSIB0000242 | 160023010 | 0172-790896/791441 |
| Chandigarh Industrial Area | 4 - 5 M.W.Market Industrial Area Phase - I Chandigarh - 160002 | PSIB0000245 | 160023010 | 0172-650173 |
| Chandigarh Sector 11 | 1101, Sector - 11c, Chandigarh | PSIB0000333 | 160023004 | 0172-746881/744862 |
| Chandigarh Sector 26 | S.C.O.62 Sector - 26, Chandigarh - 160019 | PSIB0000372 | 160023004 | 0172-790896/791441 |
| Chandigarh Sector - 47 | S.C.O. 64 - 65 Sector - 47 Chandigarh - 160047 | PSIB0000409 | 160023012 | 0172-630635 |
| Chandigarh Sector 22 - B | Sector 22b Chandigarh | PSIB0000415 | 160023007 | 0172-705359/714036 |
| Chandigarh Sector 17 - B | Sector 17 - B Chandigarh | PSIB0000600 | 160023005 | 0172-704082/707757 |
| Chandigarh Sector 46 | S.C.O. 76 Sector - 46 C Chandigarh - 160047 | PSIB0000684 | 160023011 | 0172-609597 |
| Industrial Finance Branch | Bank Square, Sector - 17b, Chandigarh - 160017 | PSIB0000689 | 160023002 | 0172-715092, 700776 |
| Mohali Phase 10 Chandigarh | Phase - 10, Mohali 160017 | PSIB0000746 | 160023028 | 0172-214296 |
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