Punjab & Sind Bank Home Loan in Jammu
Last Updated : April 12, 2017, 3:38 p.m.
About Punjab & Sind Bank Home Loan Jammu
Get home loans without disturbing your liquidity position i.e. bank balance. Avail home loans from Punjab & Sind Bank Jammu to help you arrange finances for meeting various kind of needs.Whether it is regarding acquiring a ready-made plot/flat, construction of house, repairs or modifications or renovation-avail housing loans at lowest interest rates. Let your goals get assorted in the canopy of home loans to accommodate your varied requirements.
Punjab & Sind Bank Home Loan Jammu 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 Jammu
Address of Punjab & Sind Bank Branches in Jammu
| Branch Name | Complete Address | IFSC | MICR | Contact Number |
|---|---|---|---|---|
| Nanak Nagar, Jammu | Sec - 1, Near Gurudwara Building, Nanak Nagar, Jammu | PSIB0000731 | 180023004 | 2450993 |
| Jammu (MAIN) , Shalimar Road | Shalimar Road, Jammu | PSIB0000173 | 180023001 | 2543373 |
| Srinagar Main | Jehangir Hotel Building, Badshah Chowk, Srinagar, Jammu & Kashmir - 190001 | PSIB0000237 | NON-MICR | 0194 2455180 |
| Udhampur | Lal Chowk, Udhampur, Jammu & Kashmir. - 182101 | PSIB0000239 | NON-MICR | 01992 270158 |
| Jammu Digiana | Sri Sant Mela Singh Technical Ashram, Digiana Jammu, Jammu & Kashmir-180001 | PSIB0000730 | NON-MICR | 0191 2451405 |
| Kathua | College Road, Kathua, Jammu & Kashmir -143514 | PSIB0000582 | 184023001 | 1922232216 |
| Batote | Batote, Distt. Doda, Jammu & Kashmir | PSIB0000231 | NON-MICR | 1998244247 |
| Baramulla | Main Market, Distt. Baramulla, Jammu & Kashmir - 193101 | PSIB0000485 | 193023001 | 1952234319 |
| Jammu Exchange Road | Exchange Road, Distt. Jammu, Jammu & Kashmir - 181101 | PSIB0000660 | 180023003 | 1912579283 |
| Bari Brahmana (Nowhatta) | Bari Brahmana, Distt. Jammu, Jammu & Kashmir - 193101 | PSIB0000661 | 180023007 | 1923220071 |
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