United Bank of India Home Loan in Patna

About United Bank of India Home Loan Patna

United Bank of India is one of the prominent public sector banks in India. The bank has always designed products that are well suited to meet any kind of financial requirement of the people based in Patna. Patna is the capital of Bihar and one of the leading cities in eastern India. The bank offers a home loan product to all the loan seekers in the city. All they have to ensure is that they are able to meet the eligibility criteria set by the bank. United Bank of India has established about eight branches in the city of Patna. The home loan product offered by the bank comes with affordable monthly EMIs and low processing fees.

United Bank of India Home Loan Patna at a glance

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

ParticularDetails
Interest rate8.60%
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 Patna

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 Patna

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 information please refer to Home Loan Patna.

Address of United Bank of India branches in Patna

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
Bir Chand Patel MargHotel Patliputra Ashok, Bir Chand Patel Marg, Patna, - 800001, BiharUTBI0BCMK42800027008222237
Bar CouncilBihar State Bar Council, High Court Compound, Dist - Patna, Bihar, Pin - 800001UTBI0BRCK228000270092224130
KankarBaghDc - 18, Akanchha Enclave, Lohianagar, Kankarbagh, Patna - 800020, BiharUTBI0KKB4638000270042353282
LongertoliGulab Place, 1St Floor, Arya Kumar Road, Machchatoil, Patna - 800004, BiharUTBI0LGT4438000270032672866
Station RoadPost Box No - 32, Station Road, Patna - 800001, BiharUTBI0PAT4098000270022221954/2234231
Pataliputra colony216, Pataliputra Colony, Patna - 800013, BiharUTBI0PPCJ508000270072263779
Rajendra PathKamala Market, 1St Floor, R K Bhattacharya Road, Dist - Patna, Bihar, Pin - 800001UTBI0RDPJ098000270052670569
Sri Krishnapuri,Sahdeo Mahto Marg, Sri Krishnapuri, Dist - Patna, Bihar, Pin - 800001UTBI0SKP4628000270062233553

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