Housing finance company
PNB Housing Finance
A large housing finance company with home loan and LAP programmes across income segments.
Best for: Self-employed home buyers and property owners.
Apply with pre-screening
We check your profile against PNB Housing's policy and others on the panel before any application.
Typical strengths
- Home loans for self-employed
- Loan against property
- Affordable housing focus
Interest rates, fees and eligibility shown on this site are indicative, vary by lender and borrower profile, and are subject to change without notice. Always read the lender's Key Fact Statement (KFS) before signing. Loan approval and terms are decided solely by PNB Housing Finance under its credit policy.
Products
What we arrange with PNB Housing
- Home Loan
- Loan Against Property
- Home Loan Balance Transfer
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Home Loan Balance Transfer
Move an existing home loan to a lender offering a lower rate, from about 7.35% p.a., with an optional top-up for renovation or other needs. Savings often run into lakhs over the remaining tenure.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Our read
Where PNB Housing fits
PNB Housing Finance works across income segments, which makes it useful for self-employed home buyers whose file does not fit a bank's salaried template. Assessment can accommodate business income and less conventional documentation, and loans against property are part of the same franchise.
The affordable housing focus means it serves buyers a large bank would not prioritise. For a first-time buyer with a modest ticket size and imperfect paperwork, it is frequently a better route than pushing a bank application that is likely to fail.
Worth knowing
- Housing finance company pricing generally sits above bank pricing for a comparable, documentable borrower.
- Flexibility applies to the income assessment, not to the legal and technical review, which remains strict.
Our assessment, not a statement of PNB Housing Finance’s policy. Terms are set by the lender and can change.
Questions
PNB Housing: common questions
Is this suitable for a self-employed buyer?
Yes, that is one of its core segments. Business income and less conventional documentation are handled routinely rather than as an exception.
What does affordable housing focus mean for me?
It means smaller ticket sizes and first-time buyers are served properly rather than deprioritised. If a large bank has been slow with your file, this is worth comparing.
Will my property still be scrutinised?
Yes. Flexibility here applies to how your income is assessed, not to the title and construction review, which stays strict for good reason.
Compare
Other housing finance companys on the panel
The best lender for you depends on your profile. We compare before you apply.
Is PNB Housing the right lender for you?
Share your requirement and we will compare it against the whole panel, at no cost and with no bureau enquiry.