यूनियन बैंक ऑफ इंडिया Union आवास (ग्रामीण एवं Semi-शहरी)
ऋण प्रदाता बैंक / संस्थान: Union Bank of India
Up to ₹20 Lakh (Rural / Semi-Urban) home loan at 8.40% – 9.10% with Up to 30 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Rural and semi-urban focused home loan tailored for farmers, agri-allied entrepreneurs, and rural artisans constructing homes on ancestral or patta land.
प्रमुख लाभ एवं विशेषताएं
Tailored for rural locations; accepts agricultural income proof and local revenue patta; flexible annual/half-yearly repayment aligned with crop harvests.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Farmer, rural artisan, or small entrepreneur residing in rural or semi-urban centre with verified land title.
संपत्ति एवं तकनीकी शर्तें
Rural homestead or patta land with clear hereditary or purchase title deed and Gram Panchayat sanction.
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 on clear patta or revenue-recorded land with valid Gram Panchayat NOC. Urban commercial properties ineligible.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.unionbankofindia.co.in/english/union-awas.aspx with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure available for Union Bank Union Awas (Rural & Semi-Urban)?
The maximum repayment tenure offered for Union Bank Union Awas (Rural & Semi-Urban) 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 Union Bank Union Awas (Rural & Semi-Urban)?
The processing fee is 0.25% (Min ₹1,000, Max ₹5,000) + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for Union Bank Union Awas (Rural & Semi-Urban)?
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 Union Bank Union Awas (Rural & Semi-Urban) require property approval in a formal layout?
This loan requires the property to be on clear patta or revenue-recorded land with valid Gram Panchayat NOC. Urban commercial properties ineligible.