Home Construction Loan

PNB Housing

A Home Construction Loan is a type of home loan that allows customers to obtain the necessary funds to finance the construction of residential house property on a piece of land.

We bring over 30 years of expertise in Home construction loans and our customers have been able to expedite their home construction at competitive construction home loan interest rates, affordable EMIs and a hassle-free online application process.

Know more about Loans

Home Loan
Interest Rates

Home Loan
EMI Calculator

Advantages of Home Construction Loan

Customized Construction Loan Offerings

Tailor your offer to match your budget, eligibility, and construction needs. Build your dream house with a generous loan and flexible 30-year tenure.

Quick and Smooth Construction Loan Disbursal

Get quick construction loan approval and disbursal with PNB Housing. Say goodbye to delays and obstacles with our doorstep services and easy online application process.

Easy Top-Up Loan Option for all Construction Need

Home construction costs escalating? You can rely on easy top-up loan options and refinance your existing loan to your needs.

World Class Post Disbursement and Customer Services

We have a strong pan-India branch network, ensuring our customers' easy accessibility. Our committed team, advanced systems, and ethical approach guarantee customer satisfaction, complemented by our convenient online services.

Multiple Repayment Options

Pay your EMIs or pre-payments using multiple repayment options.

Home Construction Loan

Eligibility Criteria

At PNB Housing, we have relaxed eligibility criteria for construction home loans. You can also check your eligibility
using the home loan eligibility calculator.

Indian citizenship
Minimum 3 years work experience for salaried applicants and 5 years business continuity for self-employed
Minimum CIBIL score 650

Check your Eligibility

Steps to

Apply for a Home Construction Loan Online

Now that you have complete information on PNB Housing Home Construction Loan, it is time to start applying for them. The below-listed process will help you smoothly fill out the application form and get a call back from PNB Housing’s customer care representatives:

Step 1

Click on the Apply for Loan button to initiate your application.

Apply for Loan

Step 2

Enter your Basic details & loan requirements.

Step 3

An OTP will be shared on your mobile number to verify your details.

Home Construction Loan

Documents Required

KYC Documents

KYC documents are mandatory for obtaining a housing loan unless you are already an existing customer. These provide essential information about the applicant, such as age, address, income, employment, income tax, etc. Remember that the Home Loan document requirements differ slightly for salaried and self-employed applicants.

Click here to download the Application Form

For Salaried Employees

Age Proof: Aadhar card, Passport, Driving Licence, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority
Residence Proof: PAN Card, Passport, Any other Certificate from Statutory Authority
Income Proof: Salary slips of last 3 months
Form 16 for last 2 years
Latest 6 months bank statement

For Self Employed

Age Proof: Aadhar card, Passport, Driving Licence, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority
Residence Proof: PAN Card, Passport, Any other Certificate from Statutory Authority
Income Proof: 3 years income tax returns
Accountant-certified balance sheets
Last 12 months bank account statement
Pertaining to business and ITR, such as proof of business existence
Approved sanction plan from the authority