2023 2024 EduVark > Education Discussion > Banks Related


  #1  
March 15th, 2012, 01:37 PM
parveen khan
Guest User
 
Punjab National Bank Loan

Please give me the interest rate of the Punjab National Bank Loan and give me the eligibility Details for the Punjab National Bank Loan and please tell me from where can I download the application form for the Punjab National Bank Loan?
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  #2  
August 31st, 2016, 05:05 PM
Unregistered
Guest User
 
Punjab National Bank Loan

Can you tell me about the interest rates for Home Loan as offered by PNB or Punjab National Bank? Also tell me about the documents required to apply for the Loan?
  #3  
August 31st, 2016, 05:39 PM
Super Moderator
 
Join Date: Mar 2012
Re: Punjab National Bank Loan

Punjab National Bank offers different rates of interest on personal loans taken for different tenures. However, certain factors such as income level, repayment capacity and relationship with the bank affect Personal Loan interest rate.

Interest rates
Base rate + 6% = (16%) for loans up to Rs. 5 lakhs.
Base rate + 5%= (15%) for loans up to Rs. 5 lakhs who have availed it under check off facility.
Base rate+3% = (13%) for loans up to Rs. 10 lakhs.

Loan amount
Minimum amount:
Rs.50,000

Maximum:
Rs.4, 00,000 or 2 time of monthly salary or whichever is lower.

It offer Rs.5, 00,000 for those who have completed 3 years of service in the same organization.
Rs.10 lakh for individuals whose salary is being disbursed through PNB

Loan tenure
5 years

EMI per lakh (based on lowest interest rate)
Rs. 2,275 (This is excluding service tax and education cess)

Processing Fees
1.80% + service tax and educational cess

Pre-Payment Charges
Nil

Base Rate
10.00% w.e.f. 07.05.2015


Documentation Required

1. Signed application form with photograph

2. Proof of identity: Passport/voter ID card/driving license
Proof of address: Ration card/telephone or electricity bill/rental agreement/passport

3. Processing fee cheque

4. Last 3 months bank statement/6 months bank passbook

5. Documentation for salaried applicants:
Latest salary slip
Current dated salary certificate with the latest Form 16

6. Documentation for self-employed applicants:
Latest Bank statement
Latest ITR or Form 16
  #4  
March 15th, 2017, 02:51 PM
Unregistered
Guest User
 
Re: Punjab National Bank Loan

Hello sir, is there any one can provide me detail about the personal loan from Punjab national bank?
  #5  
March 15th, 2017, 02:52 PM
Super Moderator
 
Join Date: Mar 2012
Re: Punjab National Bank Loan

Punjab National Bank is one of the earliest nationalised banks of India. The PNB is an Indian household name due to its efficiency and its wide range of personal finance products and schemes.

One such product is the Punjab National Bank personal loan.

It has a flexible tenure of up to 60 years and has comfortable interest rates.

Types of Loans are provided by PNB bank:

Housing
Vehicle
Education
Personal
MISC

For Salaried Applicants
Minimum age: The applicant should be at least 21 years of age.
Maximum age: The applicant has to 58 years or less.

Minimum income: Salaried individuals must have a minimum monthly income of Rs. 15,000.

Total Years in Profession/Company: 2 years or more

Years At Current Residence: 1 year or more

For Self-employed Applicants
Minimum age:The applicant should be at least 21 years of age as a self-employed individual.
Maximum age: The applicant has to be 65 years or less for self-employed people.

Minimum income:Self-Employed individuals or working professionals earning a minimum of Rs. 20,000 per month.

Total Years in Profession: 2 years or more

For Pensioned Applicants
Age Limit: Not Applicable, as long as individual is drawing pension through PNB branches.

Minimum Income: Not applicable.

Get Punjab national bank loan detail:
  #6  
March 23rd, 2017, 01:25 PM
Unregistered
Guest User
 
Re: Punjab National Bank Loan

Quote:
Originally Posted by parveen khan View Post
Please give me the interest rate of the Punjab National Bank Loan and give me the eligibility Details for the Punjab National Bank Loan and please tell me from where can I download the application form for the Punjab National Bank Loan?
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TITLE DEEDS housing loan format


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