Fixed Rate LAP - PNB Housing advantage
Fixed Rate LAP
Eligibility Criteria
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You should either be a salaried employee or a self-employed professional/non-professional.
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Your age should not be more than 60 years if you are a salaried employee, and not more than 65 years if you are a self-employed professional/non-professional, at the time of loan maturity.
Documents Required
All documents need self-attestation.
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Duly filled Application Form with Photograph
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Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
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Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
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Education Qualifications – Latest Degree
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Latest Salary-slips for 3 months
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Last 6 months Bank Statements(salary account)
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Form 16 for last 2 years
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Last 6 months Bank Statements(salary account)
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Processing Fee Cheque in favour of PNB Housing Finance Ltd.
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Photocopy of Title Documents of the Property, Approved Plan
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Duly filled Application Form with Photograph
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Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
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Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
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Education Qualifications – Latest Degree (for professionals)
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Certificate & Proof of business existence along with Business Profile
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Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant
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Last 12 months Bank Account Statements (self & business)
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Processing Fee Cheque in favour of ‘PNB Housing Finance Ltd.
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Photocopy of Title Documents of the Property, Approved Plan etc.
Fixed Rate LAP
Apply Online
Start your journey towards a dream home today to Make your dream home a reality
Fixed Rate LAP
Apply Online
Unlock the power of your property with a Fixed Rate Loan Against Property (LAP) from PNB Housing. Whether you need funds for business expansion, education, a wedding, or medical emergencies, LAP offers a smart way to raise money without selling your asset.
Get high-value loans at a stable, fixed interest rate with longer tenures and affordable EMIs. Continue using your property while it works to fulfill your financial goals. With quick approvals, minimal documentation, and transparent processing, your property can fund your dreams—without giving up ownership.
Key Features & Benefits
Fixed Interest Rates, tailored to your credit profile.
High Loan Amount Get up to 70% of your property’s market value.
Flexible Repayment Options Choose a tenure that suits your financial goals.
Minimal Documentation & Quick Disbursal Enjoy a seamless process with doorstep service.
Eligibility for Salaried & Self-Employed Designed to meet the needs of both professionals and business owners.