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About Punjab & Sind Bank Home Loan Patna
Get instant approval on your home loans by maintaining a clear track record of past payment history. Apply now for your desired home loan for quick approval and get the lowest interest rates on the loan amount sanctioned to you. With minimum documentation processes and flexible repayment options to choose from help the borrowers plan their equated monthly installments at ease.
Punjab & Sind Bank Home Loan Patna at a glance
|Interest Rate||12.80% - 14.05%|
|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 Patna
Address of Punjab & Sind Bank Branches in Patna
|Branch Name||Complete Address||IFSC||MICR||Contact Number|
|Fraser Road , Patna||42, Fraser Road, Patna||PSIB0000174||800023002||2221850|
|Patna City||Hazi Ganj, Patna City, Bihar - 800008||PSIB0000286||NON-MICR||0612 2616059|
|Patna Central School||Patna Central School, Sudarshan Vihar, Jangpura, Patna, Bihar - 800020||PSIB0000782||800023004||0612-2380039|
|R.K.Avenue, Patna, Bihar||92 - A, Block - B, R.K. Avenue, Rajendra Nagar, Patna, Bihar Pin 800016||PSIB0020941||NON-MICR||0612 2674978|