PNB Housing Finance

About PNB Housing Finance

PNB Housing Finance Limited (PNBHFL) is an Indian public limited housing finance company (HFC), headquartered in New Delhi with branches in major cities across India.The company provides housing loans & loan against property as a part of its product portfolio and also holds the license to accept public deposits.PNB Housing excels in providing a complete bunch of services to customers to meet their Home Loan needs and also provides the ease of applying for a loan with branches spread across India.


  • You must be an Indian citizen or a person of Indian Origin
  • Must be a salaried/ self- employed professional/ a businessman
  • Professional income, age, qualifications
  • Number of dependents, co-applicant’s income, assets, liabilities, stability and continuity of occupation, savings and prior credit history
  • The loan eligibility will also be dependent on the value of property

Interest Rate

6.8 Onwards* %

Processing Fee

0.35 %*


30 years


0 %*

Fee And Charges PNB Housing Finance

Personal Loan Fee TypeCharges
Processing Fee0.35 %*
Tenure30 years

Other Charges

  • 2% of principal prepaid + Applicable Taxes
Customer Care Number
1800 180 2222


Yes, PNB Housing Finance has a wide network all over India.
The loan is disbursed either in installments or as a lump sum depending on the requirements. For flats or houses under construction, it is disbursed in regular stages depending on how the construction is progressing. For purchasing a flat or house on resale, the loan is paid in a lump sum.
The security required is a first charge which is in the form of an equitable mortgage of the property that is to be financed and/or any other securities that can be taken as collateral.
Yes, the penal interest rate is ?2% per month on dues.
The loan works on floating rate of interest.

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