United Bank of India Home Loan in Lucknow

About United Bank of India Home Loan Lucknow

Lucknow has been on a growth spring in the last couple of years. The capital of Uttar Pradesh has seen a good growth rate in recent times. People belonging to the state wish to settle here as the city provides everything that they desire in the place they want to live in. United Bank of India offers a home loan product to suitable loan seekers in the city. The bank has ensured a good presence in Lucknow as it has over 20 branches in the city. A home loan provided by the bank can be obtained for a period up to 30 years. The product comes with an affordable rate of interest and low processing fees.

United Bank of India Home Loan Lucknow 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 Lucknow

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 Lucknow

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.

Check out Home Loan Lucknow for more information.

Address of United Bank of India branches in Lucknow

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
Alambagh551 J/122, Ram Prasad Khera, Talkatora Road, Alambagh, Lucknow - 226005, Uttar PradeshUTBI0ABL5722260270100522 245 6311
Sadar Cantonment33, Nehru Road, Lucknow Cantonment, Lucknow - 226002, Uttar PradeshUTBI0CAS5312260270032480640
AliganjB3/18 Sector K, Aliganj, Lucknow Uttar PradeshUTBI0ALI5652260270090522 235 6518
Gomti NagarDeva Palace Commercial Complex, Viram Khand - 1, Gomti Nagar, Lucknow - 226010, Uttar PradeshUTBI0GMT5502260270065521082
11 Gorkha Rifles Regimental CentreKranti Lines, Lucknow Cantonment, Lucknow, Lucknow - 226002, Uttar PradeshUTBI0GRC576226027011(0522) 2483127
Hazratganj23 Vidhan Sabha Marg, Lucknow Cantonment, Lucknow - 226001, Uttar PradeshUTBI0HZG5092260270042225955, 2222116
Indira NagarB - Block, A - 230, Indira Nagar, Lucknow - 226016, Uttar PradeshUTBI0LIN56422602700828523012, 28588895
Station RoadN.H.D.C., M - 23, First Floor, Vikas Deep Building, Station Road, Lucknow - 226001, Uttar PradeshUTBI0LSR5632260270072635454
RajajipuramE - 2161, Rajajipuram, Lucknow - 226017, Uttar PradeshUTBI0RJP5382260270052418502
Vikas Nagar1/241 Vikas Nagar, In Front Of Lekhraj Commercial Complex Lucknow - 226022, Uttar PradeshUTBI0VNG584Non-MICR0522-2738240
Raebareli Road 591/578, Mahaveer Pushpa Devi Pandey Complex, Near Sardar Patel Dental College, Utrathia, Raebareli Road, Lucknow-226002 Uttar pradesh UTBI0RRD590Non-MICR0522-2443951

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