Home Loan Comparison
Sammaan Capital vs Punjab National Bank
Introduction
When evaluating Sammaan Capital Home Loan versus Punjab National Bank Home Loan, both options cater to salaried and self-employed applicants and cover all types of properties. Yet, the key to choosing the right one lies in understanding who it’s for—is it for you, a family member, or perhaps your parents? Answering this will help tailor our comparison to your needs.
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
Sammaan Capital vs Punjab National Bank Calculations
| Compare Home Loans |  |  |
|---|---|---|
| Loan Amount | ₹ 50,00,000 | ₹ 50,00,000 |
| Loan Tenure | 20 years | 20 years |
| Rate of Interest | 8.75% - 10.5% | 8.50% - 11% |
| Monthly EMI | ₹ 44,185 - ₹ 49,918 | ₹ 43,391 - ₹ 51,609 |
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Home Loan EMI Calculator
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Feature Comparison
Rate of Interest
When analyzing home loan options from Sammaan Capital and Punjab National Bank, it’s important to weigh several factors. Sammaan Capital Home Loan offers a competitive interest rate of 8.75% - 10.5%, ideal for those who prioritize lower monthly payments. Alternatively, Punjab National Bank Home Loan, with its 8.50% - 11%, might be more suitable for achieving long-term savings
Loan Tenure
Sammaan Capital Home Loan caters to borrowers looking for a longer repayment schedule with a tenure option of up to Max 30 years. On the flip side, Punjab National Bank Home Loan is designed for quicker financial relief, offering a shorter tenure of up to Max 30 Years
Maximum Loan Amount
Consider Sammaan Capital Home Loan with a loan cap of Upto 5cr for high-end real estate investments. For lower-cost properties, Punjab National Bank Home Loan, with a maximum of Upto 5cr, might suit your needs better
Processing Fees
Consider the difference in processing fees as it affects your starting costs: Sammaan Capital Home Loan charges 0.50% onwards of loan amount, while Punjab National Bank Home Loan lists its fees at 0.35% of the loan amount (Min of Rs.2,500 and Max of Rs.15,000)
Conclusion
Understanding the home loan offerings from Sammaan Capital Home Loan and Punjab National Bank Home Loan involves comparing several important factors: interest rate, eligibility, loan tenure, maximum loan amount, and processing fees, enabling you to make a decision that complements your financial aspirations
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