Fixed Deposit
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PSB Apna Ghar Top Up
Interest Rate
8.55% to 10% per annum.
Down Payment / LTV Ratio
Not specified by the bank.
Maximum Loan Amount
2,00,00,000
Floating
Fixed / Floating
PSB Apna Ghar Top Up
Property financed should have been completed and taken possession of.
The borrower should have a minimum repayment record of:
6 months – For Govt/PSU employees whose salary accounts with the bank.
12 months- For Govt/PSU employees whose salary account is not with the bank.
24 months – For all other cases.
MyRupaya Ratings
PSB Apna Ghar
Interest Rate
8.55% to 10% per annum.
Down Payment / LTV Ratio
For purchase of plot only, offered/allotted by Govt. authorities and/ or builders who are Bank’s borrowers:
25% of the Fair Market Value of plot for loan amount upto Rs.1 crore.
40% of the Fair Market Value of plot for loan amount above Rs.1 crore.
For construction (plot already owned):
10% of the value of construction, proportionate for loans up to Rs. 30 lakh.
20% of the value of construction, proportionate for loans above Rs. 30 lakh.
For purchase of plot and construction (project):
For purchase of plot: 30% of fair market value of land/plot.
For construction: 10% of the value of construction, proportionate for loans up to Rs. 30 lakh, 20% of the value of construction, proportionate for loans above Rs. 30 lakh.
For purchase of built-up dwelling unit/flat:
10% of the total value of property for loans up to Rs. 30 lakh.
20% of the total value of property for loans above Rs. 30 lakh.
For Extension / Renovation /Repair: 10% of the total estimated cost.
Maximum Loan Amount
For construction of house or purchase of house/flat/plot: No maximum limit.
For repairs/renovation/additions/alterations: Maximum 20,00,000.
Floating
Fixed / Floating
PSB Apna Ghar
Individuals, groups of individuals, and individual members of housing societies.
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Pre-approved Home Loan
Interest Rate
8.35% to 10% per annum.
Down Payment / LTV Ratio
90% on loan up to Rs 30 lacs,
80% on loan above Rs 30 lacs to Rs 75 lacs,
75% on loan above Rs 75 lacs.
Maximum Loan Amount
No limit.
Floating
Fixed / Floating
Pre-approved Home Loan
Individuals including NRI: Minimum 21 years of age and a maximum 75 years of age.
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PSB Apna Ghar Top Up
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
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Interest Rate
Homesaver Option
Loan Tenure
Max Loan Amount
8.55% to 10% per annum.
No
2,00,00,000
10 years.
PSB Apna Ghar
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
MyRupaya Ratings :-
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Interest Rate
Homesaver Option
Loan Tenure
Max Loan Amount
8.55% to 10% per annum.
No
For construction of house or purchase of house/flat/plot: No maximum limit.
For repairs/renovation/additions/alterations: Maximum 20,00,000.
For purchase of plot: Maximum tenure of 15 years.
For extension/renovation/repair: Maximum tenure of 15 years.
For purchase of built-up house/construction/purchase of plot & construction: Maximum tenure of 30 years.
Pre-approved Home Loan
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Cashback Rate
Name Stock Brockrage (Delievery) Account opening fees Annual fee
Stock Brockrage (Delievery)
Stock Brockrage (Delievery)
MyRupaya Ratings :-
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Interest Rate
Homesaver Option
Loan Tenure
Max Loan Amount
8.35% to 10% per annum.
No
No limit.
Up to 30 years.