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Punjab National Bank Flexible Housing Loan


Provides the borrowers the advantage of substantial savings on the interest component on account of facility to deposit the surplus funds in the overdraft account and withdraw the same as per the choice and needs.


·         Eligibility – Below 50 years


·         Allowed to withdraw – Yes


HOME LOANS – INTEREST RATES With effect from 01.04.2016



MCLR (in% )



One Month


Three Month


Six Month


One Year


Punjab National Bank (PNB) has introduced a new variant in Housing Loan Scheme called PNB FLEXIBLE HOUSING LOAN. Under this scheme a part of the loan will be available to the borrowers in the same of Overdraft account.


Borrowers will be able to deposit their surplus funds from time to time in this account without blocking them permanently and this will be able to save substantially on total interest outgo on the Housing Loan. Borrowers will be required to service the interest component only on the overdraft portion. Over the period of loan, to the extent of reduction in term loan amount, Overdraft limit will be enhanced at yearly intervals. First such option shall be available to the borrower after a period of three years.


The scheme has inbuilt feature whereby borrowers shall be able to save on the interest cost on Housing loan by paying the same EMIs as they would have paid under the traditional scheme of the Bank. After a period of 5 years of the loan, borrowers will be eligible for a maximum of 20% additional loan for their personal needs, of the original loan amount. This again will be in the shape of Overdraft. The loan under this variant shall be available to customers who are below the age of 50 years. Borrowers will additionally be issued Debit Cards to operate their Overdraft account wherein the interest charged will be as low as 9.25% p.a. as against 25% to 30% charged on most of the credit cards.


The borrower shall be greatly benefited by the new flexible Housing Loan of the Bank as they will be allowed to route their salary/savings through Overdraft account.


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