NSE: ₹ ▲ ▼ ₹
BSE: ₹ ▲ ▼ ₹
Last update:
- Search
- Online Payment
PNB Housing
Home Loan EMI Calculator
Your EMI is
Interest amount₹ 2,241,811
Total amount payable₹ 4,241,811
PNB Housing
Amortization Chart
Amortization is paying off your loan over time in equal installments. As the term of your home loan progresses, a larger share of your payment goes toward paying down the principal until the loan is paid in full at the end of your term. This chart explains what you pay every year towards principal and interest amount

PNB Housing Finance Approved Real Estate Projects
Steps to Discover Approved Projects in Your City
PNB Housing Finance offers a curated database of approved housing projects to help you make confident property choices.
- Select location: Choose your state, then the city where you want to buy.
- Pick builder: Select your preferred builder from the list.
- View projects: Instantly access a comprehensive list of approved projects in your chosen city, complete with key details.
For personalised guidance, reach out to your nearest PNB Housing branch.
Disclaimer:- The information provided on this website regarding PNB Housing Finance Approved Project (APF) is intended solely for general guidance. While efforts are made to ensure accuracy and reliability, inclusion of a project in the APF database does not guarantee loan sanction or eligibility. Customers are strongly advised to independently verify project details, legal clearances, and builder credentials before making any purchase decisions. Project approvals, documentation standards, and eligibility criteria are subject to change without prior notice, and PNB Housing Finance shall not be held liable for any loss, damage, or inconvenience arising from reliance on the APF listings.
Customer Testimonials
Hear From Real people!
Home Loan
Frequently Asked Questions
What is a fixed interest rate in a home loan?
A fixed interest rate remains constant throughout the loan tenure, ensuring your EMI amount stays the same every month. With a fixed-rate home loan, you have complete certainty about your repayment obligations, making financial planning easier. PNB Housing offers fixed-rate options where the interest rate is locked at the time of loan sanction and does not change due to market fluctuations.
What does a floating interest rate mean in home loans?
A floating interest rate varies with market conditions and the lender's base rate changes. PNB Housing offers Home Loans at floating interest rates. While your EMI may increase or decrease based on interest rate movements, floating rates typically start lower than fixed rates and can result in savings if market rates decline over time.
What is the typical home loan processing fee?
Home loan processing fees typically range from 0.25% to 1% of the loan amount, with a minimum fee structure. The exact processing fee varies based on the loan amount, your profile, and the specific home loan product you choose. PNB Housing may offer reduced or waived processing fees during promotional periods or for specific customer segments.
Do banks have different home loan requirements?
Yes, different banks and housing finance companies have varying eligibility criteria, interest rates, processing fees, and documentation requirements. While basic requirements like minimum income, age limits, and credit scores are similar across lenders, the specific thresholds and terms differ. PNB Housing offers competitive terms with interest rates starting as low as 7.90%* per annum for salaried & 8.10%* self-employed individuals and customized eligibility programs.
What are the different types of home loans available in India?
The main types of home loans include:
- Home Purchase Loan: For buying ready-to-move-in properties
- Home Construction Loan: For building a house on owned land
- Plot Loan: For purchasing residential land
- Home Extension Loan: For expanding existing homes
- Home Renovation Loan: For repairs and improvements
- Balance Transfer: For transferring existing loans to better terms
- NRI Home Loan: For Non-Resident Indians
- Commercial Property Loan: For buying office spaces or shops
What factors affect Home Loan eligibility?
Key factors include:
- Age: 21-70 years at loan maturity
- Income: Minimum ₹15,000 net monthly income for salaried applicants
- Credit Score: Minimum CIBIL score of 611
- Employment: Stable employment with minimum experience requirements
- Existing Debts: Current EMI obligations affect available income
- Property Value: Loan amount typically up to 90% of property value
Which home finance is the best: Fixed or Floating interest rate?
The choice depends on your risk appetite and market outlook:
- Fixed Rate: Choose if you prefer certainty and stable EMIs, especially during rising interest rate cycles
- Floating Rate: Suitable if you can handle EMI variations and want to benefit from potential rate decreases
Currently, floating rates offer more flexibility and typically start lower than fixed rates.
What documents are required to apply for a home loan?
Essential documents include:
- KYC Documents: Aadhaar, PAN, passport, or voter ID
- Income Proof: Salary slips (last 3 months), Form 16, or ITRs (last 3 years)
- Bank Statements: Last 6 months
- Property Documents: Sale agreement, title deed, approved building plans
- Employment Proof: Employment certificate, appointment letter
- Additional: Photographs, investment proofs
What factors determine the home loan interest rate?
Interest rates are influenced by:
- Credit Score: Higher scores (750+) qualify for better rates
- Income Level: Higher income may get preferential rates
- Loan Amount and Tenure: Loan terms affect pricing
- Employment Type: Salaried vs. self-employed applicants
- Existing Customer Relationship: Banks may offer discounts
Market Conditions: Overall interest rate environment

