Union Bank of India Home Loans

Why Choose Union Bank of India for Your Home Loan?

Union Bank of India brings a combination of legacy, service, and affordability to your home financing journey. Whether you're buying a flat, building a house, or looking to transfer your existing loan, UBI offers home loan solutions to fit a variety of needs.

• Attractive interest rates, starting from ~8.40% p.a.
• Loan tenures up to 30 years, with flexible EMI options
• Up to 90% of property value financed
• Balance transfer facility available at low processing fees
• Special benefits for women borrowers and government employees

Get Smart with TyTil – Your Digital Loan Advisor

Applying for a home loan doesn’t need to be overwhelming. When you apply through TyTil, you’re not just choosing a lender—you’re gaining tools to make better financial decisions.

• Instantly calculate EMI with our Union Bank Home Loan EMI Calculator
• Compare offers from 30+ banks and NBFCs in one place
• Get real-time eligibility checks without affecting your credit score
• Apply digitally and track every step with ease
• Access loan offers tailored to your city, salary, and credit profile

Sample Loan Breakdown – ₹40 Lakhs, 5 Years, 8.50% Interest

Taking a shorter tenure like 5 years helps you clear your loan faster and save significantly on interest. With Union Bank’s competitive rate of 8.50% per annum, your estimated monthly EMI would be approximately ₹82,644. Below is how your repayment might look over 5 years:

Amortization Schedule (Yearly)

A Few Key Takeaways:

• Total Interest Payable: ₹10,35,402
• Total Repayment Amount: ₹49,35,730
• Loan Cleared In: 5 years (60 EMIs)
• Monthly EMI: ₹82,644

This short-term repayment plan is ideal for borrowers who want to reduce their overall loan burden and can afford slightly higher monthly EMIs. It's a smart choice for salaried professionals or business owners with stable income who want to build assets without long-term debt.