United Bank of India Home Loan in Guwahati

About United Bank of India Home Loan Guwahati

Guwahati is a very important city in the north-eastern belt of India. Those who are looking forward to building a home of their dreams in the city can do so with the help of a home loan. There are many lenders in the market which offer this product. United Bank of India is one of them. It comes with a legacy of its own. The bank has helped in expanding the banking services to the eastern and north-eastern areas of the country. United Bank of India has a solid presence in the city with over 15 branches. The home loan product offered by the bank is very beneficial for every loan seeker.

United Bank of India Home Loan Guwahati at a glance

The essential details about the product offered by United Bank of India have been given below.

ParticularDetails
Interest rate8.65%
Loan amountMetro- Up to ₹ 3 crores
Urban- Up to ₹ 75 Lakhs
Semi-urban- up to ₹ 45 Lakhs
Rural- up to ₹ 25 Lakhs
TenureUp to 30 years
Processing feeAs per bank’s norms
Pre-payment chargeNIL

Eligibility criteria for United Bank of India Home Loan Guwahati

Any applicant who can fulfill the norms given below will be eligible for a home loan offered by United Bank of India. Check them out.

  • The applicants should be over the age of 21 and must have a regular source of income.
  • The applicant can be a salaried employee or a self-employed person or even a professional.
  • The applicant should not exceed the age of 70 whenever the loan tenure matures. This means the loan has to be fully repaid by the age of 70 years.
  • The Salaried employee needs to be in permanent and regular service.
  • Professional and self-employed individuals should be employed in their current trade or profession for a minimum period of two years.
  • Self-employed and businesses need to have at Income Tax returns of at least two year

Documents required for United Bank of India Home Loan Guwahati

The list of the all the important documents required for a home loan offered by United Bank of India has been given below. Check them out.

For Salaried employees

  • Photographs of passport size of the applicant
  • Completely filled application form
  • Proof Of Identity- Aadhar card/Passport/PAN Card/Voter ID Card/Driving License
  • Proof of Residence-Aadhar Card/Passport/Voter ID Card/Lease agreement/Telephone bill/Ration card/Electricity bill
  • Proof of Age- Birth Certificate/ SSLC or AISSE Certificate/Passport/Driving License
  • Proof of Income- Salary slip of three months /Latest salary certificate, IT returns of the past two years or Form 16
  • Bank statement of the past six months.

For Self-employed people

  • Photographs of passport size of the applicant
  • Completely filled application form
  • Proof Of Identity- Aadhar card/Passport/PAN Card/Voter ID Card/Driving License
  • Proof of Residence-Aadhar Card/Passport/Voter ID Card/Lease agreement/Telephone bill/Ration card/Electricity bill
  • Proof of Age- Birth Certificate/ SSLC or AISSE Certificate/Passport/Driving License
  • Proof of Income- Income Tax returns of the previous two years along with Balance Sheet/ Profit & Loss account
  • Bank account statements of the past 12 months
  • Proof of existence of business and its profile

Important Property documents

  • Agreement for Sale & construction,
  • Letter of Allotment,
  • Tripartite Agreement which has to be given before disbursal of loan, Certificate of possession,
  • Detailed cost of construction and Land tax receipt.

In case of more information, please refer to Home Loan Guwahati.

Address of United Bank of India branches in Guwahati

The complete list of United Bank of India branches in the city has been given below with their address, IFSC & MICR codes and contact details.

BranchAddressIFSCMICRContact details
Gauhati UniversityGauhati University Campus, Gopinath Bordoloi Nagar, P.O. Gauhati University, Guwahati-781014, AssamUTBI0GUVH87Non-MICR9435048784
Ambikagiri NagarR G Baruah Road, Guwahati, District - Kamrup, Assam, Pin - 781024UTBI0AGNH317810270142563167
AT RoadAssam Trunk Road, Tokobari Satra, Guwahati, Assam 781001UTBI0ATR3767810270092544117
Fancy BazaarS.S.Road,G.N.
Bordoloi Road, Lakhtokia, Fancy Bazaar, Guwahati, Assam 781001
UTBI0FBZ3047810270032522897
G.S. RoadUlubari Chariali Police Point, Guwahati, Dist - Kamrup, Assam, Pin - 781007UTBI0GSRG517810270112332776
Kamakhya BranchAssam Trunk Road, Maligaon,
Chariali, Maligaon, Guwahati, Assam 781011
UTBI0KYA3277810270082570353
Lal GaneshUrbana Bhawan, Lokhra Rd, Bonik Para, Lal Ganesh, Guwahati, Assam 781034UTBI0LGAH58781027015240312
NoonmatiNoonmati Refinery Road, Bamunimaidan, Guwahati, Dist - Kamrup, Assam, Pin - 781021UTBI0NOO3157810270042550655
Silpukhuri Gopinath Bordoloi Road, Guwahati Club, Kamrup, Guwahati, Assam 781003UTBI0SPK3857810270052665094
North GuwahatiAmingaon Doul Govinda Road, North Guwahati, Guwahati, Assam 781039UTBI0NOG347Non-MICR2690925
Guwahati MetroDihang Arcade, Guwahati - Shillong Road, A.B.C. Point,Opposite Dona Planet, SATSANG VIHAR, Bhangagarh, Guwahati, Assam 781005UTBI0GUMH71Non-MICR2450110

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