50 Lakh Home Loan EMI Details In Bengali | SBI Vs PNB Loan Comparison Bengali | Loan Interest Rate

Описание: 50 Lakh Home Loan EMI Details In Bengali | SBI Vs PNB Loan Comparison In Bengali | Loan Interest Rate

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Are you planning to take a ₹50 lakh home loan from SBI or PNB? Do you want to know how much EMI you will need to pay every month and the total interest you will end up paying over a 30-year term? This video breaks down everything you need to know before taking that big financial decision — whether you're a first-time homebuyer or looking to refinance.

Buying your dream home is a milestone that brings emotional satisfaction and long-term financial stability. But with skyrocketing property prices, it’s almost impossible to buy a house without a home loan. A ₹50 lakh loan is common today in metro cities and even Tier-2 towns — but understanding the EMI, interest burden, and long-term repayment strategy is crucial.

We’ve compared two of India’s top public sector banks — SBI (State Bank of India) and PNB (Punjab National Bank) — to help you choose the better deal.

Here's a detailed comparison of their home loan offers:

SBI Home Loan (₹50 Lakh Loan)

Interest Rate: 8.25% per annum

Tenure: 30 years

Monthly EMI: ₹37,563

Total Repayment Amount: ₹1,35,22,799

Total Interest Payable: ₹85,22,799

PNB Home Loan (₹50 Lakh Loan)

Interest Rate: 8.15% per annum

Tenure: 30 years

Monthly EMI: ₹37,212

Total Repayment Amount: ₹1,33,96,467

Total Interest Payable: ₹83,96,467

This means with PNB, your monthly EMI is ₹351 lower compared to SBI. But the bigger benefit is visible over the long term — a whopping ₹1,26,332 in total savings over 30 years. That’s enough to buy a brand-new budget car, a premium laptop, or even invest in a solid mutual fund!

But before jumping into a decision, it’s important to consider other hidden costs associated with a home loan. We discuss these in detail in the video:

Processing Fees: Some banks charge up to 0.50% of the loan amount

Insurance Premiums: Often bundled with the loan

Prepayment Charges: Though waived in floating rate loans, fixed rate loans may have penalties

Legal & Technical Fees: One-time charges during disbursal

Ignoring these could turn a “low-interest” loan into an expensive one.

We also cover loan flexibility options:

Both SBI and PNB allow partial prepayments without penalty

You can pay extra amounts anytime to reduce the outstanding principal

This helps reduce EMI burden or shorten the loan tenure

Income-based EMI planning is another key topic:

Experts recommend EMI should not exceed 40% of your monthly income

Exceeding that limit increases financial stress, especially during emergencies

You should also maintain an emergency fund equivalent to 6–12 months of EMI to cover job loss, health issues, or other unforeseen events.

And yes, don’t miss the tax benefits:

Under Section 80C: You get up to ₹1.5 lakh deduction on the principal

Under Section 24(b): You get ₹2 lakh interest deduction

For first-time homebuyers: Additional ₹50,000 deduction under Section 80EE or 80EEA (depending on eligibility)

Final Verdict – SBI vs PNB (₹50 Lakh Loan over 30 Years):
✔️ PNB wins with a 0.10% lower interest rate
✔️ Monthly EMI is ₹351 less
✔️ Total interest savings: ₹1,26,332
✔️ Better affordability in the long run

However, you must also consider bank service quality, branch availability, and digital customer experience before making a final decision. SBI has a wider network, while PNB offers better savings in this specific comparison.

This video gives you a crystal-clear picture to help you choose the better bank for your ₹50 lakh home loan. Whether you’re investing in your first home or planning your retirement property, understanding EMI, interest, and long-term costs will help you make smarter choices and avoid financial surprises.

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