PNB Housing

Commercial Property Loan

At PNB Housing, we offer a range of loans for purchase/ construction of commercial property in approved areas. This includes loans for office space, shops. Provides an extensive range of non-home loan products like Loan for Purchase & Construction of Commercial Property, Loan Against Residential & Commercial Property and Lease Rental Discounting

Advantages of taking Non Home Loan from PNB Housing

Pan India branch network

Door step services ensuring easy and fast approval & disbursal of loans

Dedicated team of well-experienced employees

Excellent post disbursement services

High standards of ethics, integrity and transparency

Facility of enhancement in loan amount in the event of escalations in cost.

Various repayment options

Commercial Property Loan

Interest Rate

Starting from

9.25%*

on Loan for purchase of non-residential property (NRP)

Note: The mentioned Interest rates are Floating Rates

View Interest Rate as per Credit Scores

PNB Housing

Commercial Property Loan Amount

Maximum Loan amount would be 70% of the purchase price of property or loan eligibility whichever is lower.

Loan eligibility shall be determined by PNB Housing taking into account income, age, qualification and occupation etc.
Income of borrower(s)/ co-borrower(s) may be clubbed together for calculation of loan eligibility.

Own Contribution

Minimum contribution required from a customer will be 30% of the total cost of the property (inclusive of stamp duty and registration charges in case of purchase of property).

*Terms and Conditions Apply

Commercial Property Loan

Loan Disbursement

Disbursement will be made after the property has been technically appraised and all legal documentation has been completed.
For purchase of house/ flat from an individual on resale, the loan amount will be paid in lump-sum to the seller at the time of transfer after confirming that the customer has paid his own contribution.
For commercial property under construction, the loan amount will be disbursed in stages based on the progress of construction.
A customer has to invest his proportionate share of the cost, prior to disbursement of loan. The loan can be disbursed either in lump sum or installments according to the requirement of the development authority/ society/ private builder.

Loan Repayment

Loan repayment is in Equated Monthly Installments (EMI) comprising of principal and interest through Post Dated Cheques or Electronic Clearance System over a maximum period of 15 years.

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Insurance / Customer Safety at

PNB Housing

PNB Housing, for the safety and extended comfort of its customers, suggests that they should get their property and loan repayments insured to overcome an unfortunate event during the re-payment term of the loan.

For the convenience of customers, PNB Housing has tied up with various insurance companies to offer best-in-class products and services at their doorstep.