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

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


  • Individuals above 21 years, having regular income i.e salary/engaged in business / professionals and self-employed persons.
  • Salaried person should be in regular & permanent service.
  • NRIs are also eligible to avail loans.

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Required Loan Amount:

Annual Income:

Bank A – Rates as low as 10%* | Bank B- Fixed rate for 10 years.*
Bank C- Last 12 month Emi waived off*
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Special Home Loan Interest Rates – Updated as on 09 February 2015

Repayment Period Upto Rs. 75 lac Above Rs. 75 lac & upto Rs. 150 lac
Upto 5 years 10.00% p.a. 10.25% p.a
5 yrs to 15 yrs 10.00% p.a. 10.25% p.a
15 yrs to 25 yrs 10.00% p.a. 10.25% p.a

Processing Charges:

0.50% of the loan amount minimum. Minimum: Rs.1000/- and Maximum: Rs.10,000/-

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 :-

SourceL United Bank of India Website


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