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About Punjab & Sind Bank Home Loan Guwahati
Punjab & Sind Bank is known to be one of the foremost contributors of home loans through its best customer service. There are numerous satisfied customers of Home Loan around Guwahati and outside regions which prefers Punjab & Sind Bank home loans for their varied purposes. Be it for construction or purchase of a new home/readymade flat or plot, buying a resale home or obtaining the balance transfer or for repair purposes, redecorating or improvement of an existing home and much more. The loans are sanctioned as per the CIBIL score(750 score) which can be obtained by every customer.
Punjab & Sind Bank Home Loan Guwahati at a glance
|Interest Rate||10.45% - 12.45%|
|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 Guwahati
Address of Punjab & Sind Bank Branches in Guwahati
|Branch Name||Complete Address||IFSC||MICR||Contact Number|
|Rajdhani College Guwahati||Rajdhani College Beltola Road Guwahati - 781028||PSIB0000854||781023004||0361 2228156|
|Rajgarh Road, Guwahati||Rajgarh Road, Opp. Manipur Bhawan Guwahati, Assam - 781003||PSIB0000757||781023003||0361 2523755|
|Fancy Bazar Guwahati||Fancy Bazar, Lohia Market, Guwahati, Assam - 781001||PSIB0000304||781023002||0361 2544060|
|Maligaon, Guwahati||A.T.Road, Adabari, Maligaon, Guwahati , Assam - 781014||PSIB0020940||NON-MICR||0361 2544060|
|Uzan Bazar Guwahati||Hem Chandra Road, Uzan Bazar, Guwahati 781001, Assam||PSIB0021349||NON-MICR||9435302511|