United Bank of India Housing Loan | Interest Rates | EMI | Eligibility

United Bank of India Home Loan: Instant Quotes on EMI ✓ Interest Rates @ 9.75% ✓ Documents List ✓ Eligibility Online on UBI home loans. Use calculator to calculate emi & eligible loan amount.

United Bank of India Home Loan Details

Interest rates 9.75%
Lowest EMI Rs.859/ per lac
Processing fees Nil under Festive Offer till 31.12.2015
Prepayment charges Nil
Repayment options Upto 30 years
Maximum loan amount 30 Crore
Loan approval time 1.5 week
Maximum Finance Upto 90%
Min. Income 1.2 Lac Annual

Get instant Quotes on Home Loan Rates, EMI & Eligibility by Top 10 Banks

Loan Amount


Annual income

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Special Home Loan Interest Rates – Last Updated as on 04 November 2015

United Housing Loan Scheme (irrespective of amount and repayment period)

United Housing Loan Scheme (Floating rate) 9.75%
United Housing Loan Scheme (Fixed rate) 9.75% up to 3 years(fixed)
United Housing Loan Scheme (Fixed rate) BR+0.10% after 3 years (floating)
United Housing Loan Scheme for Pensioners (Floating rate) upto 10 years 9.75%

Processing Charges:

Presently Nil under Festive Offer till 31.12.2015

Documentation Charges:

Documentation Charges
Upto Rs.25000/-
Rs.25000/- to Rs.50000/-
Rs.50000/- to Rs.2 lac
Rs.2 lac to Rs.5 lac
Rs.5 lac to Rs.20 lac
Rs.20 lac to Rs.1 cr.
Rs.1 cr. to Rs.5 cr.
Above Rs.5 cr.

Quantum: Quantum of loan depends on the cost of house/flat, application’s age, income, repayment capacity etc. Loans of higher amount may be considered on the basis of merit of the case. The maximum quantum of loan shall be as follows:

Nature of applicant

Location of house/ flat/ property

Metro Urban Semi-Urban Rural
For all Categories of Borrowers 100 75 40 20
  • Max Rs: 150 Lacs For metros like Kolkata, Delhi, Mumbai, Chennai, Bengaluru, Ahmedabad, Hyderabad, Gurgaon, Noida, New Delhi, & for other metros Rs 100lacs.
  • High value loan (Rs 50lacs above) for purchase of flats shall be restricted to buying flats from national /state level/reputed builders/ developers (CREDAI approved projects)only

Prepayment Charges:

  • Nil.
  • In case of takeover of loans by Banks/HFCs, 2% pre-payment charges is levied on outstanding balance.

 Other Available Products of United Bank are :-

Source: United Bank of India Website

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