Punjab & Sind Bank Apna Ghar Gaurav

CIBIL Score

• Above 791 Cibile Score

Required Documents

• Completely filled application form with 2 passport sized photographs
• Address and ID proof
• Age Proof
• Income Proof
• Statement of personal asset and liability
• In case of other bank, bank account statement for past 6/12 months
• Loan account statement for past 6 months (if taken from some other bank/FII)
• Bio-data with educational qualifications, job experience, age, type of profession/business, etc.
• Income proof of spouse, earning children, or parents to determine the loan amount and repaying capacity
• ITR of guarantor for last 2 years
• Guarantor’s form along with net worth proof or income proof
• An undertaking from the employer for remittance of EMI
• Proof of advance/margin payment done for purchase of dwelling unit
• Permission from competent authority for house/flat construction
• Approved map/plan copy of proposed construction/purchase
• Sale agreement, sale deed, detailed estimate of the property to be constructed
• Allotment letter from co-operative society, development authorities, association of apartment owners

Loan Processing Charges

• Full waiver of processing charges.

Features

• For Gaurav Bachat Salary/Pension Account Holder: Maximum 30 years or up to the age of 78 years.
• For Others: Maximum 30 years or up to the age of 70 years.
• Locker Rent Concession: The bank offers a 50% concession on locker rent for the self, spouse, or jointly with a spouse or major children, for the first 3 years. The concession is available to small lockers only.
• EMI waive off
• Prepayment charges Nil