PNB Housing’s Loan Against Property allows you to unlock the value of your residential or commercial property to meet personal or business needs. With loan amounts up to 70% of the property’s value, competitive interest rates starting at 9.24%*, and flexible tenures up to 20 years, it’s a convenient way to access funds for education, medical expenses, business expansion, and more.
PNB Loan Against Property Highlights
PNB Housing offers attractive floating interest rates starting from 9.25%, depending on your credit score. Here’s a breakdown:
| Category | Highlights |
|---|---|
| Interest Rate | 9.24% onwards |
| Loan Amount | 70% of the market value |
PNB Housing Finance Loan Against Property Interest Rates 2025
Explore the latest PNB Housing Finance Loan Against Property interest rates for 2025. Get competitive rates starting from 9.24%* to meet your financial needs efficiently.
| Credit Score (Any Loan Amount) | Loan Against Commercial Property | Loan Against Residential Property (LAP) | Loan Against Plot/Special Property |
|---|---|---|---|
| >= 825 | 9.24% to 9.74% | 9.24% to 9.74% | 9.24% to 9.74% |
| > 800 to 825 | 10% to 10.5% | 10% to 10.5% | 10% to 10.5% |
| > 775 to 799 | 10.3% to 10.8% | 10.3% to 10.8% | 10.3% to 10.8% |
| > 750 to ≤ 775 | 10.9% to 11.4% | 10.9% to 11.4% | 10.9% to 11.4% |
| > 725 to ≤ 750 | 11.3% to 11.8% | 11.3% to 11.8% | 11.3% to 11.8% |
| > 700 to ≤ 725 | 11.75% to 12.25% | 11.75% to 12.25% | 11.75% to 12.25% |
| > 650 to ≤ 700 | 11.95% to 12.45% | 11.95% to 12.45% | 11.95% to 12.45% |
| Up to 650 | 11.95% to 12.45% | 11.95% to 12.45% | 11.95% to 12.45% |
| NTC CIBIL ≥ 170 | 11.95% to 12.45% | 11.95% to 12.45% | 11.95% to 12.45% |
Source: PNB Housing Finance Loan Against Property Interest Rates
PNB Housing Finance Loan Against Property Eligibility Criteria
| Criteria Category | Requirements |
|---|---|
| Age | Should not be more than 65 years at the time of loan maturity |
| Nationality | Indian/NRI |
| Employment Type | Salaried/Self-Employed |
Also Read: PNB Home Loan Eligibility Criteria
PNB Housing Finance Loan Against Property Processing Fees and Charges
PNB applies various fees and charges on its home loans. Besides processing fees, borrowers may also have to pay administrative costs, legal fees, and prepayment charges.
| Charges/Reason | Details |
|---|---|
| Processing Fees | 0.75% of loan amount |
| Documentation Charges | For loan upto Rs 50 lakh –Rs 2500/- For loan above Rs 50 lakh –Rs 5,000/- |
Source: PNB Housing Finance Official Website
PNB Housing Finance Loan Against Property USPs
- Wide range of non-home loan products including LAP, commercial property loans, and lease rental discounting
- Pan India branch network
- Doorstep service for quick loan approval and disbursal
- Excellent post-disbursement services
- Experienced team using advanced systems for superior customer service
- Option to enhance loan amount in case of cost escalations
- High standards of ethics, integrity, and transparency
- Multiple repayment options
PNB Housing Finance Loan Against Property Documents Required
| Salaried | Self-Employed |
|---|---|
| Duly filled Application Form with Photograph | Duly filled Application Form with Photograph |
| Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority) | Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority) |
| Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority) | Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority) |
| Education Qualifications – Latest Degree | Education Qualifications – Latest Degree (for professionals) |
| Latest Salary-slips for 3 months | Certificate & Proof of business existence along with Business Profile |
| Form 16 for last 2 years | Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant |
| Last 6 months Bank Statements(salary account) | Last 12 months Bank Account Statements (self & business) |
| Processing Fee Cheque in favour of ‘PNB Housing Finance Ltd.’ | Processing Fee Cheque in favour of ‘PNB Housing Finance Ltd.’ |
| Photocopy of Title Documents of the Property, Approved Plan | Photocopy of Title Documents of the Property, Approved Plan etc. |
Source: PNB Official Website
How to Apply to PNB Loan Against Property?
- Application Submission: Complete and submit the loan application form online along with the necessary documents.
- Eligibility Assessment: PNB Housing will evaluate your application based on factors such as income, age, qualifications, occupation, and property value.
- Property Evaluation: A valuation and title check of the property will be conducted to determine its market value and ensure legal clarity.
- Loan Approval: Based on the assessments, PNB Housing will approve or decline the loan application.
- Documentation and Disbursement: Upon approval, you’ll need to provide original property documents, sign the necessary agreements, and submit post-dated cheques or set up Electronic Clearing Service (ECS) instructions. Once all documents are in order, the loan amount will be disbursed to your bank account.
For detailed information on required documents and to download the application form, visit PNB Housing’s official website.
Also Read: PNB Home Loan Insurance
PNB Housing Finance Home Loan: Other Products
| Home Loan Products | Interest Rate |
|---|---|
| PNB Housing Home Loan | 8.50% p.a onwards |
| PNB Housing Plot Loan | 9.50% p.a onwards |
| PNB Housing Home Construction Loan | 8.50% p.a onwards |
| PNB Housing Home Extension Loan | 8.50% p.a onwards |
| PNB Housing Home Improvement Loan | 8.50% p.a onwards |
| PNB Housing NRI Home Loan | 8.50% p.a onwards |
| PNB Housing Commercial Property Loan | 9.25% p.a onwards |
| PNB Housing Loan Against Property | 9.24% p.a onwards |
| PNB Housing Roshni Home Loan | 10.50% p.a onwards |
| PNB Housing PMAY Home Loan | Checkout the website for current interest rate |
Check Out: PNB Home Loan Interest Rates 2025
Compare Top Banks Loan Against Property Interest Rates
| Bank/Housing Finance Company | Interest Rate (p.a.) |
|---|---|
| HDFC Bank | 9.50% – 11.00% |
| ICICI Bank | 10.85% – 12.50% |
| State Bank of India (SBI) | 9.75% – 11.05% |
| Axis Bank | 10.50% – 10.95% |
| Bank of Baroda | 9.70% – 18.35% |
| Bank of India | 9.85% – 13.70% |
| Bank of Maharashtra | 10.70% – 11.70% |
| Central Bank of India | 9.50% – 12.75% |
| Federal Bank | 12.35% onwards |
| IDFC First Bank | 9.25% onwards |
| LIC Housing Finance | 9.25% – 11.55% |
| PNB Housing Finance | 9.24% – 15.00% |
| Punjab National Bank | 10.15% – 14.00% |
| Tata Capital Housing Finance | 9.00% onwards |
| UCO Bank | 10.25% – 12.50% |
| Union Bank of India | 10.20% – 12.85% |
Check Out: PNB Housing Finance Home Loan EMI Calculator
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Conclusion
Unlock the potential of your property with PNB Housing’s Loan Against Property. With attractive interest rates, flexible repayment options, and a customer-centric approach, PNB Housing makes it easier for you to meet your financial goals.
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Frequently Asked Questions
Yes, joint owners of the property are eligible to apply for a LAP from PNB Housing.
Both residential and commercial immovable properties are accepted.
The loan can be repaid over a maximum of 15 years or up to the age of 70, whichever comes first.
Loans are offered even for credit scores up to 650, though interest rates may be higher than usual.
With PNB Housing’s efficient service delivery, loans are approved and disbursed quickly, often with doorstep services.
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