Union Bank Home Loan, यूनियन बैंक होम लोन, Union Bank Home Loan Schemes, यूबीआई होम लोन, यूनियन बैंक ऑफ इंडिया होम लोन, UBI Home Loan Interest Rate, यूनियन बैंक होम लोन की ब्याज दरें, UBI Home Loan, यूबीआई होम लोन की ब्याज दरें, Union Bank of India Home Loan Eligibility, Union Bank Interest Rates, यूनियन बैंक होम लोन पात्रता, Union Bank Home Loan Processing Fee, Charges.
Union Bank of India, commonly known as Union Bank or UBI, is an Indian public sector bank headquartered in Mumbai, Union Bank of India serves over 120 million customers with 75000+ employees, offering services such as Union Bank Home Loans, Education Loans and Life and Health Insurance. Provides many financial services to customers.
Union Bank of India Home Loan
Union Bank plays an important role in the housing sector in the country, enabling the employee or self-employed to finance the construction or purchase of a house or flat through a home loan, UBI offers a wide range of home loan solutions to clients from all walks of life in an effort to bridge the funding gap in home ownership,
UBI home loans are very attractive as they offer flexible repayment terms and competitive interest rates, Union Bank offers flexible home loans to suit the needs of their customers, home loans for property purchase or construction with a loan repayment period of up to 30 years.
Union Bank Home Loan interest rates start from 8.50% p.a, the bank offers interest rates depending on the loan applicant’s credit score, loan amount, LTV ratio, occupation profile and type of loan offered, renovation and extension home loans can also be availed by customers up to 15 years but the interest rates are 6.80 %* start at p.a.
Union Bank Home Loan Eligibility Criteria
Before applying for a home loan in Union Bank, you need to check your home loan eligibility once, if you meet the Union Bank home loan eligibility criteria, it will be easy for you to get a home loan, below are the details related to your eligibility for home loan in Union Bank And find out.
| Eligibility Criteria | Requirement |
| Age | Minimum Age: 21 yearsMaximum Age: 70 years |
| Residency Status | Resident IndianNon-Resident Indian (NRI) |
| Type of Employment | SalariedSelf-employedAgriculturist |
UBI Home Loan Eligibility for Based on Credit Score
For Salaried Employees Credit Score Eligibility
| Credit Score | Rate of Interest for Women Borrowers (p.a.) | Rate of Interest for Other Borrowers (p.a.) |
| 700 or more | 6.80% p.a. to 6.85% p.a. | 6.85% p.a. to 6.90% p.a. |
| More than 600 but less than 700 | 6.85% p.a. to 7.00% p.a. | 6.90% p.a. to 7.00% p.a. |
| Less than 600 | 7.10% p.a. to 7.20% p.a. | 7.15% p.a. to 7.25% p.a. |
For Non-Salaried Individuals Credit Score Eligibility
| Credit Score | Rate of Interest for Women Borrowers (p.a.) | Rate of Interest for Other Borrowers (p.a.) |
| 700 or more | 6.85% p.a. to 6.95% p.a. | 6.90% p.a. to 7.00% p.a. |
| More than 600 but less than 700 | 6.95% p.a. to 7.05% p.a. | 7.00% p.a. to 7.10% p.a. |
| Less than 600 | 7.20% p.a. to 7.30% p.a. | 7.25% p.a. to 7.35% p.a. |
Union Bank Home Loan EMI Calculator
Before applying for a home loan at Union Bank, the applicant must check his eligibility to get it, home loan eligibility generally includes certain criteria that the borrower has to meet while applying for a home loan, There are many factors that depend on home loan eligibility, use UBI Home Loan Calculator to find out the loan amount you qualify for.
Click Here Details When you want to take Union Bank Home Loan, take an informed decision with Union Bank Home Loan EMI Calculator, which is user-friendly to help you know home loan amount and home loan interest rates, home loan tenure and more key details related to home loan tool.
Union Bank of India Home Loan Processing Fee & Charges
Union Bank of India offers the best home loans to all eligible borrowers to purchase their dream home, Union Bank House Loan makes it easy for those who plan to buy or build a new house or buy their existing house to plan their houses.
When you apply for a home loan, the lending union bank or other bank charges you some amount under home loan processing fee for the services they provide. This home loan processing charge is non-refundable, Home loan processing charges are one percent or less of the total home loan amount you are applying for, if the home loan application is rejected, the amount will not be refunded to you.
Applicants should know that Union Bank Home Loan Processing Fee is not only the amount you have to pay but there are also other charges, so it is better for everyone to know Union Bank Home Loan Processing Fee details in advance so that you can understand the Processing Fee and Other Charges before applying for Home Loan.
| Type | Rate | Processing Fee |
|---|---|---|
| Floating | 8.65% to 9.95% | 0.50% of the loan amount maximum Rs.15000 + GST |
| Fixed | 11.40% to 12.65% |
Union Bank Home Loan Schemes
Union Bank Home Loan Schemes are designed for different purposes and for different people, the applicant should have an understanding of the various UBI Home Loan Schemes applicable to them, so you should always know what are the Union Bank Home Loan Schemes Apply for Union Bank Home Loan here Find out more Home Loan Schemes.
| Scheme | Amount | Credit Score | Rate of Interest (Rate of Interest varies and is not fixed) |
|---|---|---|---|
| Union Home | Up to Rs.75L | 700 and above | 8.65% |
| Below 700 | 8.75% | ||
| Above Rs.75L | 700 and above | 8.70% | |
| Below 700 | 8.80% | ||
| Union Home for BSNL Employees | Up to Rs.75L | 700 and above | 8.65% |
| Below 700 | 8.75% | ||
| Above Rs.75L | 700 and above | 8.70% | |
| Below 700 | 8.80% | ||
| Union Awas / Paradise | Up to Rs.75L | 700 and above | 8.65% |
| Below 700 | 8.75% | ||
| Above Rs.75L | 700 and above | 8.70% | |
| Below 700 | 8.80% | ||
| Union Smart Save | Up to Rs.75L | 700 and above | 8.90% |
| Below 700 | 9.00% | ||
| Above Rs.75L | 700 and above | 9.20% | |
| Below 700 | 9.30% | ||
| Union Top Up | Up to Rs.30L | 9.70% | |
| Above Rs.30L | 9.95% |
Union Bank Home Loan Interest
Union Bank of India Home Loan Interest Rates Bank offers interest rates depending on your credit score, LTV ratio, occupation profile, loan type of applicants for the loan, It is important to know the home loan interest rate when you apply for Union Bank of India home loan, how much home loan you will take and the interest rate you will have to pay will affect the total EMI, So you better remember the interest rate whenever you apply for a Union Bank home loan, here are more home loan interest rates.
For Salaried Individuals Amount Up to Rs 30 lakhs
| CIBIL Score | LTV Ratio | Interest rate (% p.a.) | |
| Male | Female | ||
| 775 and above | Up to 80% | 8.70% | 8.70% |
| 750 to 774 | Up to 80% | 8.85% | 8.85% |
| 700 to 749& -1 & 1 to 5 | Up to 80% | 9.45% | 9.40% |
| 650 to 699 | Up to 80% | 9.55% | 9.50% |
| 600 to 649 | Up to 80% | 10.15% | 10.15% |
| Below 600 | Up to 80% | 10.70% | 10.70% |
For Non-Salaried Individuals Amount Up to Rs 30 lakhs
| CIBIL Score | LTV Ratio | Interest rate (% p.a.) | |
| Male | Female | ||
| 775 and above | Up to 80% | 8.70% | 8.70% |
| 750 to 774 | Up to 80% | 8.95% | 8.95% |
| 700 to 749& -1 & 1 to 5 | Up to 80% | 9.50% | 9.45% |
| 650 to 699 | Up to 80% | 9.60% | 9.55% |
| 600 to 649 | Up to 80% | 10.15% | 10.15% |
| Below 600 | Up to 80% | 10.70% | 10.70% |
For Salaried Individuals Amount above Rs 30 Lakh
| CIBIL Score | LTV Ratio | Interest rate (% p.a.) | |
| Male | Female | ||
| 775 and above | Up to 75% | 8.70% | 8.70% |
| More than 75% to 80% | 8.80% | 8.80% | |
| 750 to 774 | Up to 75% | 8.85% | 8.85% |
| More than 75% to 80% | 8.95% | 8.95% | |
| 700 to 749& -1 & 1 to 5 | Up to 75% | 9.55% | 9.50% |
| More than 75% to 80% | 9.65% | 9.60% | |
| 650 to 699 | Up to 75% | 9.65% | 9.60% |
| More than 75% to 80% | 9.75% | 9.70% | |
| 600 to 649 | Up to 80% | 10.25% | 10.25% |
| More than 80% to 90% | |||
| Below 600 | Up to 80% | 10.80% | 10.80% |
| More than 80% to 90% | |||
For Non-Salaried Individuals Amount above Rs 30 Lakh
| CIBIL Score | LTV Ratio | Interest rate (% p.a.) | |
| Male | Female | ||
| 750 and above | Up to 75% | 8.70% | 8.70% |
| More than 75% to 80% | 8.80% | 8.80% | |
| 750 to 774 | Up to 75% | 8.95% | 8.95% |
| More than 75% to 80% | 9.05% | 9.05% | |
| 700 to 749& -1 & 1 to 5 | Up to 75% | 9.60% | 9.55% |
| More than 75% to 80% | 9.70% | 9.65% | |
| 650 to 699 | Up to 75% | 9.70% | 9.65% |
| More than 75% to 80% | 9.80% | 9.75% | |
| 600 to 649 | Up to 75% | 10.25% | 10.25% |
| More than 75% to 80% | |||
| Below 600 | Up to 75% | 10.80% | 10.80% |
| More than 75% to 80% | |||
Union Bank Home Loan Fixed Rates for up to 5 years
| Loan Amount | Rate of Interest (p.a.) |
| Up to Rs. 30 Lakh | 11.40% |
| Rs. 30 Lakh – Rs. 50 Lakh | 12.40% |
| Rs. 50 Lakh – Rs. 2 Crore | 12.65% |
Note – Union Bank of India (UBI) Home Loan Interest Rate varies according to the bank’s discretion, the information given here is only the current interest rates given by the bank, when you want to apply for a home loan in the bank, you should go to the official website link https://www.unionbankofindia.co.in/english/homeloan.aspx of Union Bank and check for confirmation.