United Bank of India Home Loan Ghaziabad - IFSC, Rates March 2024, EMI, Eligibility

United Bank of India Home Loan in Ghaziabad

About United Bank of India Home Loan Ghaziabad

Ghaziabad has emerged as a leading city in western Uttar Pradesh. The city is known as the gateway to the state of Uttar Pradesh because of its proximity to New Delhi. People in Ghaziabad can now build a home of their dreams. They can do so by availing an United Bank of India Home Loan. The product is simply perfect when it comes to buying or constructing a house. In case, you wish to repair or expand your home, you can that too with the help of this product. There are three branches of the bank in Ghaziabad. Why pay rent to the landlord when you can use the same money to pay your monthly EMIs?

United Bank of India Home Loan Ghaziabad at a glance

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

ParticularDetails
Interest rate8.60% - 9.95%
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 Ghaziabad

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 Ghaziabad

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.

For more details, see Home Loan Ghaziabad.

Address of United Bank of India branches in Ghaziabad

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
GhaziabadPrem House, 81/81 - A, Wright Ganj, Ghaziabad - 201001, Uttar PradeshUTBI0GHZ510110027028(0120) 2738332, 2736119
Raj NagarC - 100, Anand Arcade, Raj Nagar District Centre, Raj Nagar, Ghaziabad - 201002, Uttar PradeshUTBI0RJN578110027043(0120) 4559975
HapurDelhi Road, Near Ram Lila Ground, Hapur, District - Ghaziabad, Uttar Pradesh, Pin - 245101UTBI0HPR546245027002(0122) 2311061

  • Home Loan Interest Rates March 2024
    Axis Bank8.75% - 9.15%
    Bank of Baroda8.50% - 10.60%
    Citibank8.75% - 9.15%
    HDFC8.50% - 9.40%
    ICICI Bank9.00% - 9.85%
    Indiabulls Housing Finance Limited8.65%
    Kotak Bank8.70%
    LIC Housing8.50% - 10.50%
    Piramal Capital & Housing Finance10.50%
    PNB Housing Finance8.50% - 10.95%
    Reliance Home Finance8.75% - 14.00%
    State Bank of India/SBI9.10% - 9.65%
    Tata Capital8.95% - 12.00%