Druk PNB Bank Limited(DPNBL) incorporated in Bhutan is a Joint Venture Bank with 51% share holding by Punjab National Bank, a leading public sector Bank in India.

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Home Loan / Commercial Housing Loan

                                                 house

Home Loan for Individuals

DPNBL reaches out to fast, friendly and most convenient home loan for construction or purchase of house / flat.  Purchase of house / flat on First Power of Attorney basis from the original allottee.

Carrying out repairs / renovations /additions/alterations to existing house / flat.

Extent of Loan

For Construction / purchase of house / flat / Carrying out repairs / renovations /additions/alterations: 80 % of the cost of construction of house or purchase of house / flat and 80 % of the estimate cost of renovation / repairs / additions/alterations.

Maximum amount of Loan under the scheme is Nu.10.00 Mn

Housing Loan for commercial Purpose.

Extent of Loan

Purpose Up to Nu.50 Mn Nu.50 Mn and above
For construction / Purchase 70 % of estimate cost of construction 60 % of estimate cost of construction
For repairs / renovations /additions/alterations to existing building 70 % of estimate cost of repairs / renovations /additions/ alterations. 60 % of estimate cost of repairs / renovations /additions/ alterations.

 Interest Rate for Home loan / Commercial Housing Loan. 

  Sector Floating Semi Fixed Fixed
1 Home Loan 8.00 % 8.50 % 9.00 %
2 Commercial Housing Loan 9.50 % 9.75 % 10.75 %

 Security for Home loan / Commercial Housing Loan

Mortgage of property for which finance is being given.

Repayment for Home loan / Commercial Housing Loan

Loan is to be repaid in equated monthly instalments within a period of 20 years.

Disbursement for Home Loan / Commercial Housing Loan.

For outright purchase of house/ flat, the loan amount will be paid in lump sum to the vendor along with the margin contribution of the borrower. For house/ flat under construction, the loan amount will be disbursed in stages as per progress of construction. 

Pre-payment charges for Home loan / Commercial Housing Loan

NIL

For more details and other formalities contact nearest branch head.

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