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PNB Housing Finance

PNB Housing Home Loan

8.6% – 11% p.a. · Up to 90% LTV · Processing fee 0.5% + GST

Eligibility
Min annual income (combined): ₹2,40,000
Min Score: 680+
Loan within 90% LTV (max ₹45,00,000)
Obligations-to-income after EMI: 100%
⚠ Needs combined annual income of at least ₹2,40,000
⚠ Needs CIBIL score 680+
⚠ Repayment would push your obligations-to-income ratio to 100%, above the 55% policy limit
Min. down payment for this property: ₹5,00,000
Max eligible loan amount: ₹0

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PNB Housing Finance home loan: rate, LTV and eligibility

PNB Housing Finance PNB Housing Home Loan lends 8.6%–11% p.a. up to ₹7.5 Cr at a maximum 90% loan-to-value, over 5–25 years. You need a CIBIL score of 680+ and net monthly income from ₹2.4 lakh; total EMIs are capped near 55% of that income. Two limits apply at once — the 90% LTV cap on the property and the FOIR cap on your income — and your sanction is whichever comes out lower.

PNB Housing Finance home loan FAQs

What is the PNB Housing Finance home loan interest rate?

8.6% to 11% p.a. Home loan rates in India are typically floating and repo-linked, so the EMI resets when the RBI changes the repo rate. Your position in that band depends on CIBIL score, income profile and loan-to-value.

How much down payment does PNB Housing Finance require?

At a maximum 90% loan-to-value, you fund at least 10% of the property value yourself, plus stamp duty and registration — which are not counted in the property value for LTV purposes.

What is the maximum PNB Housing Finance home loan amount and tenure?

Up to ₹7.5 Cr over 5–25 years. In practice your sanction is the lower of the LTV cap and your FOIR cap of roughly 55% of net monthly income.

What CIBIL score and income does PNB Housing Finance require for a home loan?

A CIBIL score of 680+ and net monthly income from ₹2.4 lakh. Home loans are secured, so lenders are somewhat more flexible on score than on personal loans — but the rate offered widens sharply below 750.

What tax benefits apply to this home loan?

Under the old tax regime, up to ₹2 lakh of annual interest is deductible under Section 24(b) and up to ₹1.5 lakh of principal repayment under Section 80C. The new regime removes both for a self-occupied property, so the benefit depends on the regime you elect.

Are there foreclosure charges on a PNB Housing Finance home loan?

On floating-rate home loans to individual borrowers, the RBI prohibits foreclosure and prepayment penalties. Fixed-rate loans may still carry a charge — check the lender’s Most Important Terms and Conditions before signing.

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