Direct tax/Income tax
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Bank has launched EMV chip based debit card
We are privileged to introduce to you our new product, a Prepaid PNB World Travel Card
Corporate clients even who is not listed in any of the stock exchanges
The Debit Card offers at a glance.
For purchase of ready to move in house/flat etc.
For construction of House/flat etc.
For purchase of under construction flat of approved private builder
All salaried employees with minimum 3 years experience.
Co-borrower will also be salaried class
Upto the age of 40 years.
In case of multiple borrowers whose income has been taken for arriving at the loan eligibility and repaying capacity, one borrower must be at-least upto the age of 40 years and others may be maximum upto the age of 45 years.
Further, where income of the applicants is not being taken for arriving at the loan eligibility and they are owner/co-owner in the property, they are to be made co-borrower under this scheme without referring his/her age.
*Net Monthly salary = Gross Salary – Statutory Deductions such as Income Tax, PF etc.
1.25 times the loan amount calculated as per the regular housing loan method, subject to maintenance of prescribed LTV ratio. However, borrower may take lower amount.
Minimum amount- Rs.20 lac;
Maximum amount- Need Based
Subject to maintaining Loan to Value ratio (LTV) and repaying capacity
Charges e.g. stamp duty, registration charges and other documentation charges shall be borne by the borrower and shall not be considered towards margin money.
In case of under construction flat of approved private builder: Upto 36 months plus remaining period of date of possession subject to a maximum moratorium period of 60 months.
In all other cases: Max. 36 months
However, interest is to be serviced as and when levied during the moratorium period.
Above are only salient features of the scheme. For details please contact nearest branch
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