Wondering what documents you would need for a home loan?
Well, you are in luck cause we have prepared the most comprehensive list of documents that are needed for a successful home loan application with Punjab National Bank.
Punjab National Bank Home Loan General Documents
To apply for a PNB Home Loan, you’ll need to first submit a set of general documents.
| Document Type | Examples |
|---|---|
| Application Form | Completed home loan application form with passport-sized photos |
| Proof of Identity/Age | PAN Card, Passport, any other certificate from Statutory Authority |
| Proof of Address | Aadhar card, Passport, Driving License, Telephone Bill, Ration Card, Election Card, or any other certificate from the Statutory Authority |
Also Read: Are you eligible for a home loan from Punjab National Bank? Find out here.
PNB Home Loan Income Documents
The following documents are required according to the employment status:
For Salaried
| Applicant Type | Required Documents |
|---|---|
| For Salaried Individuals | Salary slips of last 3 months |
For Self-Employed
| Applicant Type | Required Documents |
|---|---|
| For Self-Employed Individuals | Income Proof for business and ITR |
For NRIs
| Applicant Type | Required Documents |
|---|---|
| For NRIs | Employer Identity card, Valid work permit & Employer contract |
Also Read: Property Documents for Home Loans: NRI vs Indians
Punjab National Bank Home Loan Property Documents
Understanding the property documents required for a home loan with PNB is crucial for smooth processing. These documents help verify ownership and ensure the property meets loan approval criteria.
| Property Type | Required Documents |
|---|---|
| For Developer Property (Direct Allotment) | Allotment Letter: This document confirms your allotment of the property. |
| Builder Buyer Agreement: This agreement outlines the terms between you and the developer. | |
| Payment Receipts: Proof of payments made to the developer. | |
| Permission to Mortgage: This is required from the respective authority to allow the property to be used as collateral. | |
| Regulatory Guidelines: Compliance with local building codes and regulations. | |
| For Resale Property | Agreement to Sell: A document that outlines the terms of the sale between you and the seller. |
| All Prior Deeds: Documents tracing the ownership history of the property. | |
| Sale Deed/Conveyance Deed: Final legal document transferring ownership. | |
| Approved Map of the Property: A map showing the property’s layout and boundaries. | |
| Possession Certificate and Land Tax Receipt: Proof of possession and tax compliance. | |
| No Objection Certificate (NOC): From the builder or society, if applicable. | |
| Additional Documents | Title Documents: These prove your ownership of the property |
| Approved Plan: A plan approved by local authorities showing the property’s layout and compliance with building codes. |
PNB Home Construction Loan Documents
To apply for a PNB Home Construction Loan, you’ll need to provide the necessary PNB Home Loan Documents to complete the application process smoothly.
| Document Type | Required Documents |
|---|---|
| KYC Documents | PAN card, Aadhaar card, Passport, or any government-issued ID |
| For Salaried Employees | – Age Proof: Aadhaar, Passport, Driving License – Residence Proof: PAN Card, Passport – Income Proof: Last 3 years’ ITR – Balance Sheets: Certified by an accountant – Bank Statement: Last 12 months – Business Proof: Documents showing the existence of the business – Sanction Plan: Approved construction plan from the relevant authority |
| For Self-Employed | – Age Proof: Aadhaar, Passport, Driving License – Residence Proof: PAN Card, Passport – Income Proof: Last 3 years’ ITR – Balance Sheets: Certified by an accountant – Bank Statement: Last 12 months – Business Proof: Documents showing the existence of the business – Sanction Plan: Approved construction plan from relevant authority |
Also Read: Here’s how to apply for a home loan from Punjab National Bank (PNB) online in minutes!
Punjab National Bank Home Improvement Loan Documents
| Document Type | Required Documents (Salaried & Self-Employed) |
|---|---|
| Application Form | Duly filled form with photograph |
| Age Proof | PAN Card, Passport, or any Statutory Authority Certificate |
| Residence Proof | Passport, Driving License, Telephone Bill, Ration Card, Election Card |
| Education Qualifications | Latest Degree (for professionals) |
| Income Proof | Salaried: Last 3 months salary slips Self-employed: Last 3 years ITR & P&L Account |
| Form 16 | Last 2 years’ Form 16 (Salaried only) |
| Bank Statements | Last 6 months’ salary account (Salaried) Last 12 months (Self-employed) |
| Processing Fee | Cheque in favor of ‘PNB Housing Finance Ltd.’ |
| Property Documents | Title documents, Approved Plan |
| Business Proof | Certificate and Proof of business existence (Self-employed) |
PNB Home Loan Sanction Documents
The PNB Home Loan Sanction Letter is a crucial document issued once your home loan is approved, outlining the terms and conditions of your loan, including the sanctioned amount, interest rate, and repayment terms.
| Document Type | Required Documents |
|---|---|
| KYC Documents | PAN Card, Aadhaar Card, Passport, Driving License |
| Income Proof | Salaried: Last 3 months’ salary slips, Form 16 Self-employed: ITR, P&L, Balance Sheet |
| Bank Statements | Last 6-12 months’ bank statements showing salary credits or business transactions |
| Property Documents | Title deed, Approved building plan, Sale agreement, Tax receipts |
| Other Documents | NOC from the builder (if applicable), Processing fee cheque in favor of PNB Housing Finance Ltd. |
Also Read: Latest Home Loan Interest Rates for Punjab National Bank.
Punjab National Bank Home Loan Pre-Disbursement Documents
| Document Type | Required Documents |
|---|---|
| KYC Documents | PAN Card, Aadhaar Card, Passport, Driving License |
| Income Proof | Salaried: Last 3 months’ salary slips, Form 16 Self-employed: ITR, P&L, Balance Sheet |
| Property Documents | Sale Agreement, Title Deed, Approved Building Plan, Tax Receipts |
| No Objection Certificate (NOC) | NOC from the builder/society (if applicable) |
| Post-Dated Cheques (PDCs) | Signed post-dated cheques for EMI payments |
| Processing Fee Payment | Receipt of processing fee paid, if applicable |
| Signatures and Final Agreement | Signed Home Loan Agreement (Post-Sanction) |
PNB Home Loan Additional Documents
In addition to the standard documents, there are certain PNB Home Loan Additional Documents required for loan processing, especially for legal formalities and guarantor verification.
| Document Category | Required Documents |
|---|---|
| Legal Documents | – Loan application form – Loan agreement (terms and conditions) – Power of attorney (if applicable) |
| Guarantor Documents | – Identification proof (Aadhaar, PAN, Passport) – Address proof (Utility Bill, Passport, Voter ID) |
| Others | – Processing fee cheque – Signed copies of any additional forms or declarations required by PNB |
What to Do If Home Loan Documents Are Missing?
Misplacing home loan documents can be stressful, but don’t panic — there are steps you can take to recover or replace them efficiently. Here’s what you should do:
- Check Thoroughly
Start by rechecking all possible storage locations — personal files, digital backups, emails, or even with your CA or advisor. - Contact Your Lender Immediately
Reach out to your bank or financial institution. They usually keep copies of all signed documents and can guide you through the reissuance process. - File an FIR (if applicable)
If the documents are truly lost or stolen, visit your local police station and file a First Information Report (FIR). This adds a legal layer of protection and may be required by the lender. - Submit a Written Request
Banks may ask you to submit a formal application along with the FIR and ID proof to reissue documents. - Get an Indemnity Bond
You may be required to sign an indemnity bond on stamp paper, indemnifying the bank from any future misuse of the missing documents. - Update Your Records
Once you receive the duplicate documents, store both physical and digital copies safely. It’s also wise to update your records with the bank if needed.
Pro Tip:
Always keep a scanned copy of your home loan documents in secure cloud storage for easy access in emergencies.
Also Read: Want to prepay your home loan from PNB Housing Finance? Check your savings now!
How to Get Back All Original Home Loan Documents After Home Loan Closure?
Time needed: 2 minutes
Once you’ve fully repaid your home loan, retrieving your original property documents is the final and crucial step. Here’s how you can ensure a smooth and timely collection process:
- Ensure Full Repayment
Original property documents (movable/immovable) are released only after full repayment or settlement of the loan.
- Collection Timeline
Documents are made available within 30 working days from the date of repayment confirmation.
- Choose Collection Branch
You may collect your documents from any PNBHFL branch between 10:00 AM – 2:00 PM, Monday to Saturday (excluding 1st & 2nd Saturdays).
- Collection Window
Documents will be held at your chosen branch for 15 days. If not collected, they are returned to the central repository.
- Avoid Delay Charges
Failure to collect within the holding period will attract a Custody Charge of ₹1,000 + GST per month.
Who Can Collect the Documents?
- All Property Owners + Loan Borrowers must be present during collection.
- Carry Original ID & Address Proof for verification.
- If any co-owner/borrower is unavailable, a General Power of Attorney (GPA) must be presented.
- For NRI customers, GPA should be notarized & apostilled as per local laws, along with self-attested KYC.
- In case of the death of any property owner, submit:
- Succession Certificate / Legal Heir Certificate / Surviving Member Certificate.
- Legal heirs must appear in person with their original ID & address proof.
Also Read: How to Download PNB Home Loan Statement
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Conclusion
Being thorough with your documents shows lenders you’re a responsible borrower. It can lead to faster approvals and sometimes even better loan terms. If you’re missing a document, be upfront with your lender. They might suggest alternatives or give you time to obtain it.
Remember, every lender may have slightly different requirements. Always check with PNB bank for their exact list of needed documents.
Gathering all these papers might seem daunting, but think of it as your first step toward homeownership. Stay organized, be patient, and soon you’ll be unlocking the door to your very own home!
Frequently Asked Questions
Depending on the property type, the following documents are required:
– For developer properties: Allotment letter, builder-buyer agreement, payment receipts, and permission to mortgage from the respective authority.
– For resale properties: Agreement to sell, prior deeds, sale deed/conveyance deed, approved property map, possession certificate, and land tax receipts.
Yes, a PAN card is mandatory, especially if the loan amount exceeds ₹10 lakh.
Yes, NRIs need to provide:
– Valid passport and visa copies.
– Proof of overseas employment.
– Overseas bank account statements for the last 6 months.
– Local contact details.
– NRE/NRO account statements.
Co-applicants must provide:
– Identity, address, and age proofs.
– Income proofs similar to the primary applicant.
– Relationship proof with the primary applicant.
While not mandatory at the application stage, PNB may require property insurance during loan processing to safeguard the property against unforeseen events.
Bank statements should cover the last 6 months to reflect current financial status.
Guarantors may be required based on the applicant’s profile. They need to submit:
– Identity and address proofs
– Income proofs
– Bank statements
– Asset and liability statements
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