Punjab & Sind Bank Home Loan in Mumbai
Last Updated : April 12, 2017, 6:25 p.m.
About Punjab & Sind Bank Home Loan Mumbai
Are you looking to construct your dream home within few years time? Consider Punjab & Sind Bank Home Loan Mumbai so as to avail lowest interest rate option on your home loans. Get instant approval from the bank by maintaining a clear track record of your debt obligations along with a good CIBIL score(750) which promotes the quick approval on your home loans. With minimal documentation processes and low EMI options to choose from can help you to extend your repayment tenure.
Punjab & Sind Bank Home Loan Mumbai 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 Mumbai
Address of Punjab & Sind Bank Branches in Mumbai
| Branch Name | Complete Address | IFSC | MICR | Contact Number |
|---|---|---|---|---|
| Mumbai Opera House | 78, Girgaum Road Opera House Mumbai - 400004 | PSIB0000117 | 400023002 | 022-23690936 |
| Mumbai Khar | 315, Linking Road , Khar Mumbai - 400052 | PSIB0000300 | 400023005 | 022-26043930 |
| Mumbai | J.K.Somani Building, Fort, Mumbai - 400023/ | PSIB0000385 | 400023009 | 022-22651737/22651039 |
| Mumbai Juhu | Amrapali Buildingshopping Centre, Juhu, Mumbai - 400049 | PSIB0000386 | 400023059 | 022-26149721/26126889 |
| Mumbai Malabar Hills | 24, Ridge Road Malabar Hill Mumbai | PSIB0000428 | 400023011 | 022-23693321 |
| Mumbai Kalbadevi | Bhaganwadi Shopping Arcade, Kalbadevi Road Mumbai - 400002 | PSIB0000431 | 400023003 | 022-22054566/22038923 |
| Vashi | Plot - 14, Sector - 26a , Palm Beach Road, Vashi, Navi Mumbai | PSIB0000467 | NON-MICR | 24948154 |
| Mumbai Masjid Bunder | 137/139, Kazi Syeed Street Mumbai - 400003 | PSIB0000474 | 400023007 | 022-23440060 |
| Mumbai Andheri | 101, Shaheed Bhagat Singh Road, Kurla Road Andheri(East) Mumbai - 400059 | PSIB0000499 | 400023006 | 022-28321437 |
| Mumbai Vikhroli | Fitwell House, L.B.S. Marg Vikhroli(West) Mumbai - 400083 | PSIB0000523 | 400023012 | 022-25781741 |
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