Roshni Home Loans: Affordable Home Financing
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PNB Housing
Roshni Home Loans
empowering and supporting an individual’s dream of owning a home. PNB Housing Finance Ltd aims to provide newer hopes and
opportunities to customers with Roshni Home Loans. As a result, whether loan applicants are new to credit, self-employed with
informal income from a low/middle income group with a monthly household income as low as INR 10,000, and have serious
intentions to repay, Roshni Home Loans aids them in solving eligibility barriers.
Salient Features and Advantages:
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
Roshni Home Loans
Interest Rate
For Salaried Employees
10.5% to 14.25%
For Self-employed
11.50% to 14.50%
For Loan against property
11.5% to 15%
Roshni Home Loans
Eligibility Criteria
A salaried employee of local and stable business entity. The employer’s company can be a sole proprietorship/partnership/private limited/limited company/trust, among other things.
A self-employed person with informal income from a low/middle income group, with a households earning as low as INR 10,000. This also applicable to combined income when there is a co-applicant.
At the time of loan maturity, you should not be older than 70 years old.
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Roshni Home Loans
Frequently Asked Questions
Every lender charges you interest on the total principal home loan amount you borrow from them. This interest amount is calculated on the basis of a percentage figure called the home loan interest rate. By entering the home loan interest rate, home loan amount and tenure of the loan in a home loan EMI calculator, you can determine the monthly payable EMI as well as the total interest component for any given home loan amount! At PNB Housing, you get the best home loan rates in the market as long as you meet our easy eligibility criteria.
At any given time, home loan rates all over the country usually hover around a common figure depending on the market and other factors. The home loan interest rate at PNB HOUSING today stands at 8.75%* p.a. onwards. However, this is not the final rate of interest. What you avail at the end of the day depends upon a host of variables such as income, loan amount, type of interest rate, credit score, type of home loan, etc.
The minimum home loan interest rate applicable to you is often subject to market conditions and other factors such as the applicant’s income, type of employment, credit score, home loan amount, type of interest opted for, etc. Hence, it changes from lender to lender and applicant to applicant.
