Land Loan Interest Rates Starting from 9.50%
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Plot Loan
Interest Rate
| Credit Score | Salaried / Self – employed professional (SEP) |
Self – employed non – professional (SENP) |
|---|---|---|
| >=825 | 9.50% to 10% | 9.80% to 10.30% |
| >800 to 825 | 9.50% to 10% | 9.90% to 10.40% |
| >775 to 799 | 10.10% to 10.60% | 10.65% to 11.15% |
| >750 to <=775 | 10.25% to 10.75% | 10.80% to 11.30% |
| > 725 to < =750 | 10.55% to 11.05% | 11.25% to 11.75% |
| > 700 to <= 725 | 10.85% to 11.35% | 11.55% to 12.05% |
| > 650 to <= 700 | 11.25% to 11.75% | 11.75% to 12.25% |
| upto 650 | 11.25% to 11.75% | 11.75% to 12.25% |
| NTC Cibil >=170 | 11.25% to 11.75% | 11.65% to 12.15% |
| NTC Cibil <170 | 11.15% to 11.65% | 11.55% to 12.05% |
Fixed Rate for Home Loan – 15.75%
*Rates of interest are subject to change at the sole discretion of PNB Housing.
**NTC: New to credit
| Credit Score | Salaried / Self – employed professional (SEP) | Self – employed non – professional (SENP) |
|---|---|---|
| >=825 | 9.50% to 10% | 9.80% to 10.30% |
| >800 to 825 | 9.50% to 10% | 9.80% to 10.30% |
| >775 to 799 | 10.20% to 10.70% | 10.80% to 11.30% |
| >750 to <=775 | 10.35% to 10.85% | 11.15% to 11.65% |
| > 725 to < =750 | 10.70% to 11.20% | 11.30% to 11.80% |
| > 700 to <= 725 | 11.05% to 11.55% | 11.75% to 12.25% |
| > 650 to <= 700 | 11.45% to 11.95% | 11.95% to 12.45% |
| upto 650 | 11.45% to 11.95% | 11.95% to 12.45% |
| NTC Cibil >=170 | 11.45% to 11.95% | 11.85% to 12.35% |
| NTC Cibil <170 | 11.35% to 11.85% | 11.75% to 12.25% |
Fixed Rate for Home Loan – 15.75%
*Rates of interest are subject to change at the sole discretion of PNB Housing.
**NTC: New to credit
Know more
We offer a floating rate of plot loan interest rates, comparable to our Home Loans. Usually, the land loan interest rates are slightly higher by a few basis points. It can fluctuate depending on various criteria:
Interest Rate related
Frequently Asked Questions
The interest rate for land loans keeps fluctuating. The current rate starts from 9.50%.
No, the loan interest rate for land purchase is slightly different from a regular home loan interest rate. Although it differs from lender to lender, the plot loan rate of interest is usually higher by a few basis points. That’s because a plot loan typically involves higher risk.
