PNB Housing

Loan for Real Estate Developers

Construction Finance or Project Finance is a unique offering under which PNB Housing directly finances real estate developers for
projects they are developing. This product comes with customized offerings built around real estate developer’s project acquisition and
    construction cost basis a detailed evaluation of the project by PNB Housing.
Our focus in Construction Finance is primarily on financing residential projects which give fillip to retail mortgage business.

Advantages of taking Loan for Real Estate Developers

Provides an extensive range of non home loan products like Loan for Purchase & Construction of Commercial Property, Loan Against Residential & Commercial Property and Lease Rental Discounting
Dedicated team of well-experienced employees who work on best-in-class information systems & network to deliver and provide customer satisfaction
Pan India branch network
Facility of enhancement in loan amount in the event of escalations in cost
Robust service delivery model – door step services ensuring easy and fast approval & disbursal of loans
High standards of ethics, integrity and transparency
Excellent post disbursement services
Various repayment options

PNBCFR for Corporate loans is 15.05% from 1st July 2025
PNBCFR for Corporate loans Series 2 is 14.9% from 1st July 2025

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Loan for Real Estate Developers

Frequently Asked Questions

What is a property development loan?

A property development loan is a type of real estate loan that provides funds to developers for the purchase of land and construction of residential or commercial projects. Under PNB Housing’s Loan for Real Estate Developers, financing is tailored to the specific project’s acquisition and construction costs following a detailed evaluation.

How do land development loans work?

Land development loans help finance the purchase and preparation of land for construction. Developers use these funds for activities such as land acquisition, infrastructure development, and site improvements. PNB Housing offers flexible terms and custom funding based on project requirements.

What kinds of real estate loans are there?

The main types of real estate loans include:

  • Loan for Purchase Construction of Commercial Property
  • Loan Against Property (Residential/Commercial)
  • Lease Rental Discounting
  • Construction Finance / Project Finance for developers

Each loan type is customised under PNB Housing’s real estate project loan offerings.

Who is eligible to apply for a PNB Housing “Loan for Real-Estate Developers”?

Registered builders and real estate developers engaged in residential or commercial projects with clear titles and approvals are eligible for PNB Housing's “Loan for Real-Estate Developers” scheme. Applicants must have a proven track record, financial stability, and comply with PNB Housing’s due diligence and project evaluation norms.

How does a commercial real estate loan differ from a residential loan?

A commercial real estate loan funds business or investment properties, such as offices or malls, while a residential loan funds homes. Commercial loans typically involve larger amounts, shorter tenures, and different risk assessments than residential loans.

What is construction finance in real estate?

Construction Finance, also known as Project Finance, is a loan for real estate developers offered by PNB Housing to fund ongoing or new construction projects. The financing is structured based on project cost, acquisition, and progress, helping developers complete projects efficiently.

How to get a loan for real estate developers?

To avail a loan for real estate developers, applicants must submit project details, approvals, financials, and company credentials. PNB Housing evaluates project feasibility, cost, and developer profile before sanctioning funds. Doorstep services and a dedicated project finance team support the process.

What determines the interest rate for developer / project loans?

The interest on loan for real estate developers or project loans for builders depends on factors like the developer’s creditworthiness, project risk, tenure, market conditions, and loan amount. PNB Housing offers competitive and customised rates aligned with project viability.