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उत्पाद विवरण
बैंक का नाम

Punjab & Sind Bank

अधिकतम ऋण अवधि

Up to 30 years.

अधिकतम ऋण राशि

No limit.

ब्याज दर

8.50% to 9.85% per annum.

प्रकार

Floating

PSB Apna Ghar- Sahaj
अग्रिम भुगतान

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 of 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.

फीस और शुल्क

Processing fees- NIL
Pre-payment charges: NIL for floating interest rate.
Late payment charges: 1%
Legal charges: At actuals.
Stamp Duty and registration charges: At actuals.

न्यूनतम CIBIL स्कोर

Not specified by the bank.

डाउन पेमेंट और शुल्क

PSB Apna Ghar- Sahaj

विशेष लक्षण

No processing fee.

पात्रता मापदंड

  1. Permanent employees of Central/State governments/Public Sector Undertakings (PSU).

  2. Permanent employees of reputed education institutes as approved by the bank.

Age limit

  1. Minimum: 21 years

  2. Maximum: Subject to adjustment of the loan before the age of an employee without pension: 60 years. An employee with pension: 70 years

विशेष रियायत

This scheme is only extended to the permanent employees of Central/State governments/Public Sector Undertakings (PSU), and reputed education institutes as approved by the bank.

होम सेवर विकल्प

No

विशेषताएं, पात्रता और रियायत
पेशेवरों

  • No limit on the maximum loan amount.

  • No processing fee.

दोष

  • Only for specific classes of employees 

पक्ष विपक्ष
Application Procedure

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