Home Loan Comparison
Punjab National Bank Home Loan vs Piramal Capital & Housing Finance Home Loan vs Aadhar Housing Finance Ltd. Home Loan
Introduction
When deciding on a home loan, Punjab National Bank, Piramal Capital & Housing Finance, and Aadhar Housing Finance Ltd. are three of the leading options to consider. Each bank offers competitive interest rates, flexible repayment plans, and supports different property types. This comparison will break down their offerings to help you understand which home loan aligns best with your financial goals.
Bank Highlights
Punjab National Bank Home Loan
- Flexibility in Documentation
- High Tenure Loan
- Fund upto 90% of Property Value
- Great Offerings for Loan Against Property
- Quick Sanction and Disbursement
- Customised Eligibility as per Income
Piramal Capital & Housing Finance Home Loan
- •Easy Procedures
- Flexibility Of Repayment
- Home Loan EMI That Fits Your Pocket
- Minimal documentation
Aadhar Housing Finance Ltd. Home Loan
- •Home loans available without
- income proof
- Fast and transparent loan procedure
- Affordable EMIs
- Tax benefits under
- section 80C
Disclaimer
The interest rates, maximum tenures, and other charges are subject to change, and it's advisable to check with our experts for the most current information.
Home Loan Calculations
Punjab National Bank vs Piramal Capital & Housing Finance vs Aadhar Housing Finance Ltd. Calculations
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Home Loan EMI Calculator
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Feature Comparison
Rate of Interest
When selecting a home loan from Punjab National Bank, Piramal Capital & Housing Finance, or Aadhar Housing Finance Ltd., interest rates play a crucial role. Punjab National Bank offers rates of 8.50% - 11.05%, attractive for those looking to minimise monthly payments. Piramal Capital & Housing Finance provides rates of 9.50% - 10.5%, which might offer better long-term financial benefits. Aadhar Housing Finance Ltd. has rates of 8.75-10.5%, offering flexibility for various borrowing needs.
Loan Tenure
Punjab National Bank extends loan tenures up to Max 30 Years, ideal for keeping monthly obligations low. Piramal Capital & Housing Finance allows loan periods up to Max 30 years, catering to borrowers seeking a balanced repayment timeline. Aadhar Housing Finance Ltd. offers loan tenures up to Max 30 years, perfect for those who prefer to clear their loan faster.
Maximum Loan Amount
Regarding the maximum loan amount, Punjab National Bank provides loans up to Upto 5cr, suitable for high-value property purchases. Piramal Capital & Housing Finance caps at Upto 5cr, fitting for standard housing investments. Aadhar Housing Finance Ltd. supports loans up to Upto 5cr, ideal for more affordable real estate acquisitions.
Processing Fees
Processing fees vary among the banks. Punjab National Bank charges up to 1% for Home Loan, Piramal Capital & Housing Finance imposes Upto 5% of loan amount + applicable taxes, and Aadhar Housing Finance Ltd. requires Up to Rs.3500 Plus Applicable GST. It's important to include these fees in your initial cost calculations when choosing the best loan option.
Conclusion
When deciding between the home loan options from Punjab National Bank, Piramal Capital & Housing Finance, and Aadhar Housing Finance Ltd., it's essential to consider how each product fits your unique financial situation. Focus on comparing key aspects like interest rates, eligibility criteria, loan terms, maximum loan limits, and processing fees to ensure you choose a loan that supports both your current needs and future financial well-being.
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