PNB Housing Finance brings for you a complete solution for moving you a step closer to achieving your housing goal. Let’s dig a little deeper, as to how this magical key (Home Loan) helps you unlock the doors towards your dream home.

Thinking to have a new house of your own or looking forward to renovate the existing one? But, hesitating due to different financial constraints? Still, waiting for the perfect time and adequate resources to invest in your beautiful home? But, falling short of funds and getting confused, looking at the plethora of home financing options around you? If yes, you need to carefully figure out and plan all your money moves to achieve the important housing milestone of your life.

Systematic planning and requisite funds is all that you need! Plan well and you are good to go! You’ll get to explore a variety of home financing options based on your income and credit score. But, you need to pick the right and the reliable one to suit your priorities.

Moreover, applying for and getting a home loan was never that easy, just few clicks away! So, here we shall be highlighting the exclusive features and benefits of one such quick financing alternative: PNB Housing Finance.

PNB Housing Finance Limited: A Glimpse

PNB Housing Finance is a leading home loan provider with decades of experience in the housing finance arena. With their robust service delivery model, it provides an extensive range of home loan products like Home Purchase Loans, Home Construction and Home Improvement Loans etc.

So, if you wish to construct, buy or renovate your house, you are offered a set of customised home loan solutions as per your preference. That sounds really interesting!

PNB Housing Finance: Features & Benefits

• Online Application: You can easily apply online for the amount of loan you require. Few clicks and there you go! You are ready for their personalised and instant loan services. An application service tracker is also available on their website to keep a regular track of your loan status. You can even check your eligibility based on your income or calculate the EMI as per the loan amount required through in-built calculators on the website. You can also get an in-principle sanction letter within the comforts of your home basis the preliminary information submitted.
• Easy Documentation: This saves you from the hassles of lengthy loan processing formalities. But, you have to fulfil the basic pre-requisites and get the verification done for the essential documents while availing a home loan. Your age, credit history and income or salary shall be primarily considered to determine your loan repaying capacity.
• Attractive rate of interest: You are offered a good rate of interest based on the prevailing market rate. Moreover, in a hasty environment today when no one has any time available, one is willing to bear a bit of higher bps as far as he or she is getting superior customer service and does not have to follow up with the home loan partner for anything.
• Quick Disbursals: If you fit in their eligibility norms, you can grab a quick approval as well as a fast disbursal of your home loan. A good loan amount followed by smooth post disbursal services further adds to its advantages. Customers who hold a partly disbursed case can enjoy subsequent disbursement of their home loan through online mode.
• Easy Repayment Options: Monthly EMIs shouldn’t bother you if you have easy repayment options. You just need to figure out the tenure and EMI amount which you can regularly afford to pay. Remember, a longer tenure means lesser EMI. PNB Housing offers loans up to 30 years. Prudent repayment trend further enhance your overall credit score, so an important factor to consider.
• Good customer support: The prompt and responsive behaviour of their customer care team surely needs a mention. Great assistance and timely response is what we actually hunt for while applying for a loan.
• PAN India Network: Their branches are spread across India thereby strengthening the network to deliver a complete set of home loan services. They offer doorstep services to the customers who wish to apply for loans from them and assign a dedicated relationship manager for the loan account.
• Property Services: PNB Housing even offers property services where you can tell them the requirement, specifications and budget of the property you are seeking. They shall assist you in identifying an appropriate house and will connect you to the concerned official at the real estate project. This is only applicable for fresh units. Also, the HFC approves real estate projects which means that they have already conducted the due dilligence check of the property. When you are choosing a home, you can check if the property is already approved. This will help in a faster appraisal since the property evaluation is already done.

PNB Housing Loans: A Final Take

PNB Housing Finance has been helping its customers attain their housing dream in a simple and effortless manner. Building a long term friendly relationship through host of financial services is the key principle behind their customer service delivery model.

Faster loans, simplified process and easy approvals is what we look for when applying for a home loan. Right! This is what you can find here based on your eligibility.

Buying a house involves a big chunk of money. But you don’t need to accumulate huge wealth before taking the home buying decision. Once you are self-sufficient, start saving and investing regularly for your long term goals like house, retirement, children education etc. Lenders are there to support you in achieving your goals, like for your home funding needs, PNB Housing is there to partner through their diversified product suite.

So, why not be prudent and take full advantage of this home loan facility? However, you just need to be cautious, analyse your current financial situation and walk towards building a secure future.

Easy EMIs coupled with income tax benefits shall help you manage your personal finances in the best way!

Are you eligible for a home loan? Did you apply for a Housing loan recently or thinking to avail one? Have you started investing in your home? What’s your take on PNB Housing Finance and their numerous services? Feel free to share your feedback on the same.