सार्वजनिक क्षेत्र का बैंक (PSU Bank)नियमित आवास खरीद ऋणसत्यापित: 2026-09-29 (180-दिवसीय SLA)

UCO Bank UCO होम लोन (गृह ऋण)

ऋण प्रदाता बैंक / संस्थान: UCO Bank

Up to ₹5 Crore home loan at 8.45% – 9.30% with Up to 30 years tenure.

ऋण राशि सीमाUp to ₹5 Crore

ब्याज दर (RLLR / EBLR)8.45% – 9.30%

अधिकतम अवधिUp to 30 years

प्रोसेसिंग शुल्क0.50% (Max ₹15,000) + GST

🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Flagship housing loan of UCO Bank linked to UCO-RLLR for purchase of ready-built flats, bungalows, or renovation of existing homes.

प्रमुख लाभ एवं विशेषताएं

Competitive floating rates; free accidental insurance coverage; flexible repayment structure; quick approval through digital loan hubs.

📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)

आवेदक की पात्रता शर्तें

Indian citizens with stable regular employment or business existence of at least 2 years.

संपत्ति एवं तकनीकी शर्तें

Approved residential building plan and registered sale deed.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment Terms)

Nil prepayment penalty for floating rate home loans as per RBI mandate

📂आवश्यक दस्तावेज (Required Documents)

Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)

This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Apply online through net banking portal or visit lending branch with loan inquiry.

2. नए ग्राहक (ऑनलाइन):

Apply online at https://www.ucobank.com/english/home-loan.aspx with digital KYC and property details.

3. बैंक शाखा में जाकर:

Visit nearest branch of the institution with income proofs and sale agreement.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan tenure available for UCO Bank UCO Home Loan?

The maximum repayment tenure offered for UCO Bank UCO Home Loan is Up to 30 years, subject to borrower's age not exceeding 70 years at loan maturity.

What are the processing charges and prepayment rules for UCO Bank UCO Home Loan?

The processing fee is 0.50% (Max ₹15,000) + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.

What documents are required to apply for UCO Bank UCO Home Loan?

Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.

Why does UCO Bank UCO Home Loan require property approval in a formal layout?

This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible.