Punjab & Sind Bank Home Loan in Ghaziabad
Last Updated : April 11, 2017, 4:58 p.m.
About Punjab & Sind Bank Home Loan Ghaziabad
Do you wish to get affordable interest rates on your home loan? Consider Punjab & Sind Bank Home Loan Ghaziabad which offers you the best home loan at affordable interest rates so as to fulfill your dreams. The bank brings you the vast variety of home loan categories to choose from so that your different needs may get accommodated.
Punjab & Sind Bank Home Loan Ghaziabad 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 Ghaziabad
Address of Punjab & Sind Bank Branches in Ghaziabad
| Branch Name | Complete Address | IFSC | MICR | Contact Number |
|---|---|---|---|---|
| Ghaziabad G.T. Road | 58, G.T Road Ghaziabad - 201009 | PSIB0000191 | 110023067 | 0120-2731237 |
| Sahibabad | A - 1, Site No.4, Industrial Area, Sahibabad, Ghaziabad - 201010 | PSIB0000364 | 110023062 | 0120-2895278 |
| Indirapuram | Indirapuram, Ghaziabad | PSIB0000883 | NON-MICR | 2710610 |
| Chander Nagar, Ghaziabad, Up | Dav Cent Pub. School, Chander Nagar, Dist. Ghaziabad, Up | PSIB0000906 | 110023100 | 0120 2614646 |
| Loni Border, Ghaziabad, Up | Lakshmi Gardens, Loni Border, Distt.Ghaziabad, Up | PSIB0000704 | 110023084 | 0120 2602093 |
| Ghaziabad S.D.College | S.D. College, G.T. Road, Ghaziabad - 201009 | PSIB0000749 | 110023086 | 0120-2731350 |
| Sahibabad Pratap Vihar | Santosh Medical College, Sahibabad, Ghaziabad, Uttar Pradesh | PSIB0000860 | 110023062 | 0120-2743975 |
| New Ghaziabad Up | 195 - B, Lohia Nagar New Ghaziabad - 201009 | PSIB0000538 | 110023066 | 0120 2710610 |
| Pasonda, Distt. Ghaziabad, Uttar Pradesh | G.T. Road, Pasonda, Distt. Ghaziabad, Uttar Pradesh - 251005 | PSIB0000083 | NON-MICR | 0120 2627612 |
| Sahibabad Krishi Upaj Mandi Samiti | Krishi Utpadan Mandi, Ind.Area, Sahibabad, Uttar Pradesh - 201010 | PSIB0000775 | 110023103 | 0120 2772581 |
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