Navigating the world of home loans can feel complex, but understanding the Union Bank of India Home Loan Interest Rate is a crucial first step for anyone looking to buy, build, or renovate a home. Union Bank of India, a prominent public sector bank, offers a variety of home loan products designed to meet diverse financial needs, whether you are a salaried professional, a self-employed individual, or even an NRI. This comprehensive guide provides you with the most up-to-date information on interest rates, eligibility criteria, application processes, and unique features of Union Bank home loans for 2025.
Quick Facts about Union Bank of India Home Loans
- Starting Interest Rate: As of July 7, 2025, Union Bank of India home loan interest rates start from 8.60% per annum.
- Special Concessions: Female applicants may receive an additional 0.05% concession.
- Maximum Tenure: Loans can extend up to 30 years, offering flexible repayment options.
- Processing Fees: Typically 0.50% of the loan amount, with a maximum cap.
- EBLR Linked: Floating interest rates are linked to the External Benchmark Lending Rate (EBLR), ensuring transparency.
- Diverse Schemes: A range of schemes cater to various needs, including general home loans, overdraft facilities, green homes, and rural housing.
Union Bank of India Home Loan Interest Rate 2025: A Detailed Breakdown
The interest rate on your Union Bank of India home loan is not a single, fixed number. It depends on several factors, including your CIBIL score, the type of applicant you are (salaried or non-salaried), your gender, and the specific loan scheme you choose. Union Bank of India links its floating interest rates to the External Benchmark Lending Rate (EBLR), which as of July 7, 2025, stands at 8.25% (RBI Repo Rate 5.50% + Spread 2.75%).
Here is a comprehensive table detailing the highly granular interest rates you can expect from Union Bank of India, effective July 7, 2025:
CIBIL Score Range | Applicant Type | Gender | Specific Loan Scheme | Applicable Interest Rate (EBLR-linked) |
---|---|---|---|---|
800 & above | Salaried/Professional | Female | PMAY-U 2.0 / Union Green Home | EBLR – 0.80% = 7.45% |
800 & above | Salaried/Professional | Male | PMAY-U 2.0 / Union Green Home | EBLR – 0.65% = 7.60% |
750 to 799 | Salaried/Professional | Female | PMAY-U 2.0 / Union Green Home | EBLR – 0.65% = 7.60% |
750 to 799 | Salaried/Professional | Male | PMAY-U 2.0 / Union Green Home | EBLR – 0.15% = 8.10% |
700 to 749 | Salaried/Professional | Female | Union Home | EBLR + 0.10% = 8.35% |
700 to 749 | Salaried/Professional | Male | Union Home | EBLR + 0.15% = 8.40% |
750 & above | Salaried/Professional | Male | Smart Save (Up to 30 Lakh) | EBLR + 0.05% = 8.30% |
750 to 799 | Non-Salaried | Female | PMAY-U 2.0 / Union Green Home | EBLR + 0.20% = 8.45% |
750 to 799 | Non-Salaried | Male | PMAY-U 2.0 / Union Green Home | EBLR + 0.25% = 8.50% |
650 to 699 | Salaried/Professional | Female | Union Home | EBLR + 0.40% = 8.65% |
650 to 699 | Salaried/Professional | Male | Union Home | EBLR + 0.45% = 8.70% |
600 to 649 | All | All | Union Home | EBLR + 1.25% = 9.50% |
Below 600 | All | All | Union Home | EBLR + 1.75% = 10.00% |
Note: These rates are indicative and subject to change based on bank policies and individual applicant assessment. The EBLR is subject to quarterly changes based on RBI’s repo rate.
Factors Affecting Your Home Loan Interest Rate
Understanding what influences your home loan interest rate helps you prepare better and potentially secure a more favorable deal. Union Bank of India considers several key factors:
- Credit Score (CIBIL Score): This is perhaps the most significant factor. A higher CIBIL score (generally 750 and above) indicates strong financial discipline and a lower risk to the bank, leading to lower interest rates. As seen in the table above, the difference between a high and low CIBIL score can be substantial.
- Loan Amount and Tenure: Larger loan amounts or longer tenures might sometimes attract slightly different rates, though the primary impact is on your EMI.
- Income Source and Stability: Salaried individuals with stable employment generally receive more favorable rates compared to self-employed individuals, as their income stream is often perceived as more predictable. However, Union Bank offers competitive rates for both categories.
- Property Type: The type of property (e.g., ready-to-move, under construction, plot purchase, green home) can also influence the interest rate, with special concessions for certain categories like Union Green Home.
- Gender: Union Bank of India offers a special concession of 0.05% for female borrowers, making the Union Bank of India Home Loan Interest Rate for women more attractive.
Eligibility and Approval for Union Bank Home Loans
Meeting the eligibility criteria is essential for your home loan application. Union Bank of India sets specific requirements for applicants, which can vary slightly based on the loan scheme and individual circumstances.
General Eligibility Criteria
- Age: Typically, applicants must be at least 18 years old and generally not older than 75 years at the time of loan maturity.
- Nationality: Indian residents, Non-Resident Indians (NRIs), and Persons of Indian Origin (PIOs) are eligible.
- Income and Repayment Capacity: Your monthly income, existing financial obligations, and overall repayment capacity are critical. The bank assesses your ability to comfortably repay the EMI.
- Continuity of Occupation: Stable employment or business continuity is a key factor.
- Credit History: A healthy CIBIL (or Experian) track record with no defaults or significant delays in past loan repayments is crucial.
Co-Applicant Case
Including a co-applicant can significantly enhance your loan eligibility, especially if your individual income is insufficient or if you aim for a larger loan amount.
- Increased Eligibility: Combining incomes with a co-applicant (e.g., spouse, parent, adult child) increases the overall repayment capacity, allowing for a higher loan amount.
- Mandatory Co-Applicant: If the property has multiple owners, all co-owners must generally be co-applicants for the home loan.
- Female Co-Applicant Benefit: If a female is a co-applicant and co-owner of the property, the loan may qualify for the special 0.05% interest rate concession, making the Union Bank of India Home Loan Interest Rate for women even more beneficial.
NRI Case
Union Bank of India extends home loan facilities to Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) looking to purchase property in India.
- Eligibility: NRIs/PIOs with a stable income source abroad and a good credit history are eligible.
- Documentation: Specific documentation for NRIs includes passport, visa, work permit, overseas bank statements, and NRE/NRO account details.
- Power of Attorney: Often, a Power of Attorney (POA) in India is required to manage the loan process on behalf of the NRI applicant.
Document Checklist for Salaried and Self-Employed
Having all your documents ready streamlines the home loan application process. Here is a comprehensive list, categorized for salaried and self-employed individuals:
For Salaried Individuals
- Identity Proof:
- Passport
- PAN Card
- Aadhaar Card
- Driving License
- Voter ID
- Address Proof:
- Passport
- Aadhaar Card
- Utility Bills (Electricity, Water, Gas)
- Rent Agreement (if applicable)
- Income Proof:
- Last 3 months’ Salary Slips
- Last 2 years’ Form 16 or Income Tax Returns (ITR)
- Bank statements for the last 6 months (showing salary credits)
- Employment Proof:
- Appointment Letter or Employment Contract
- Employer’s ID Card
- Letter from Employer (confirming employment and duration)
- Property Documents (if identified):
- Sale Agreement/Agreement to Sell
- Title Deeds of the property
- Approved plan of construction/layout
- NOC from the builder/society
- Allotment letter (if applicable)
- Other Documents:
- Passport-sized photographs
- Application form with signature
For Self-Employed Individuals / Professionals
- Identity Proof:
- Passport
- PAN Card
- Aadhaar Card
- Driving License
- Voter ID
- Address Proof:
- Passport
- Aadhaar Card
- Utility Bills (Electricity, Water, Gas)
- Rent Agreement (if applicable)
- Income Proof:
- Last 3 years’ Income Tax Returns (ITR) with computation of income
- Audited Balance Sheet and Profit & Loss Account for the last 3 years
- Bank statements for the last 12 months (personal and business accounts)
- Business Proof:
- Business Profile
- Proof of Business Existence (e.g., Shop & Establishment Act Certificate, Partnership Deed, MOA/AOA for companies)
- Professional Practice Certificate (for Doctors, CAs, etc.)
- Property Documents (if identified):
- Sale Agreement/Agreement to Sell
- Title Deeds of the property
- Approved plan of construction/layout
- NOC from the builder/society
- Allotment letter (if applicable)
- Other Documents:
- Passport-sized photographs
- Application form with signature
Costs and Rates: Beyond the Interest Rate
While the Union Bank of India Home Loan Interest Rate is a major component, other costs are involved in securing a home loan. Understanding these helps you budget accurately.
Processing Fees
Union Bank of India typically charges a processing fee of 0.50% of the loan amount. There is generally a maximum cap on this fee, which can vary. This fee covers the administrative costs associated with processing your loan application.
Other Charges
- Stamp Duty and Registration Charges: These are government levies on property transactions and vary by state. They are based on the property value and are a significant cost.
- Legal and Valuation Charges: The bank engages legal and technical experts to verify property documents and assess its market value. These charges are usually borne by the borrower.
- Pre-payment/Foreclosure Charges:
- Floating Rate Loans: Union Bank of India generally imposes no prepayment penalty on floating rate home loans when repaid from verifiable sources. This is a significant benefit, allowing you to pay off your loan early without extra cost.
- Fixed Rate Loans: For fixed-rate loans, a nominal penalty might apply if you prepay the loan.
- Balance Transfer: If you transfer your loan from another bank, a 2% penalty may be charged on the average outstanding balance of the preceding 12 months.
Floating vs. Fixed Interest Rates
Union Bank of India offers both floating and fixed interest rate options for its home loans.
- Floating Interest Rate: This rate fluctuates based on market conditions and the bank’s External Benchmark Lending Rate (EBLR). If the EBLR decreases, your interest rate and EMI may also decrease. Conversely, if EBLR increases, your interest rate and EMI might go up. Most Union Bank home loans are EBLR-linked, offering transparency and direct correlation to RBI’s repo rate changes.
- Fixed Interest Rate: This rate remains constant throughout the loan tenure, providing predictability in your EMI payments. This option is suitable for those who prefer stable payments and want to avoid the risks of rising interest rates. However, fixed rates are often slightly higher than initial floating rates.
Loan Terms and Repayment
Understanding the terms of your loan and how repayment works is crucial for effective financial planning.
Loan Tenure Options
Union Bank of India offers flexible loan tenures, typically extending up to 30 years. A longer tenure means lower EMIs, making the loan more affordable in the short term. However, a longer tenure also means you pay more interest over the life of the loan. Conversely, a shorter tenure results in higher EMIs but significantly reduces the total interest paid. You can choose a tenure that aligns with your financial capacity and repayment goals.
Pre-payment/Foreclosure
As mentioned, Union Bank encourages prepayment for floating rate loans by not imposing penalties. This allows you to reduce your loan burden faster. Foreclosure refers to paying off the entire outstanding loan amount before the scheduled tenure. Both options can save you a substantial amount in interest. It is wise to consider prepayment if you have surplus funds, as it directly reduces your overall interest outgo.
Process and Disbursement
Applying for a Union Bank of India home loan involves a clear, structured process designed for efficiency.
Step-by-Step Application Process
- Enquiry and Application: Begin by inquiring about loan options at a Union Bank branch or through their official online portal. Fill out the application form accurately.
- Document Submission: Submit all necessary documents as per the checklist for salaried or self-employed individuals. Ensure all copies are self-attested.
- Verification and Due Diligence: The bank conducts a thorough verification of your documents, financial standing, and credit history. They also perform legal and technical valuation of the property.
- Sanction Letter: If your application is approved, the bank issues a sanction letter detailing the loan amount, interest rate, tenure, and other terms and conditions.
- Acceptance of Terms: You accept the terms and conditions outlined in the sanction letter.
- Disbursement: Once all legal formalities are completed, and the property documents are submitted, the loan amount is disbursed, either directly to the seller/builder or to you, depending on the purpose.
Disbursement Time
Union Bank of India is known for its efficient processing. Typically, it takes only about 5 working days to get a Home Loan sanctioned after the submission of all requisite documents and papers. Actual disbursement time may vary based on property legalities and documentation.
Credit Impact and Management
Your credit score plays a pivotal role in your home loan journey. A strong CIBIL score not only increases your eligibility but also helps you secure the most competitive Union Bank of India Home Loan Interest Rate.
- Importance of CIBIL Score: A CIBIL score of 750 or above is generally considered excellent. It reflects your creditworthiness and repayment behavior. Banks view high-score applicants as low-risk, making them eligible for preferential interest rates.
- Maintaining a Healthy Score:
- Pay EMIs and credit card bills on time.
- Avoid taking too many loans simultaneously.
- Keep your credit utilization low.
- Regularly check your credit report for errors.
Tax Benefits on Union Bank Home Loans
Home loans offer significant tax benefits under the Income Tax Act, 1961, which can reduce your overall tax liability.
- Section 80C: You can claim deductions for the principal amount repaid on your home loan, up to a maximum of Rs. 1.5 lakh per financial year. This also includes stamp duty and registration charges.
- Section 24(b): You can claim deductions for the interest paid on your home loan. For a self-occupied property, the maximum deduction is Rs. 2 lakh per financial year. For a rented property, the entire interest paid can be deducted.
- Section 80EE & 80EEA (Specific Conditions): Additional deductions on interest paid for first-time homebuyers, subject to specific loan amount and property value conditions.
These tax benefits make home ownership more affordable and are an important aspect to consider when evaluating your home loan.
Loan to Value (LTV) Ratio Explained
The Loan to Value (LTV) ratio is the proportion of the property’s value that the bank is willing to finance. The remaining amount is your down payment.
- Typical LTV: Union Bank of India, like other banks, typically offers an LTV of up to 75-90% of the property’s market value, depending on the loan amount and property type.
- For loans up to Rs. 30 Lakhs: Up to 90% LTV
- For loans between Rs. 30 Lakhs and Rs. 75 Lakhs: Up to 80% LTV
- For loans above Rs. 75 Lakhs: Up to 75% LTV
- Impact: A higher LTV means a lower down payment from your side, but it also means a larger loan amount and potentially more interest paid over time.
Dedicated Union Bank of India Home Loan Schemes
Union Bank of India offers a diverse portfolio of home loan products, each tailored to specific needs. Understanding these schemes helps you choose the best fit.
1. Union Home Loan
- Purpose: This is the flagship and most versatile home loan product. It caters to a wide range of needs, including:
- Purchasing a new or existing house/flat.
- Constructing a house.
- Purchasing a plot of land for house construction.
- Undertaking repairs, extensions, renovations, or additions to an existing house.
- Eligibility: Salaried individuals, self-employed professionals, businesspersons, and NRIs.
- Loan Amount: Varies based on repayment capacity and property value.
- Maximum Tenure: Up to 30 years.
- Unique Features: Flexible repayment options, competitive interest rates, and wide applicability.
2. Union Home-Smart Save
- Purpose: An innovative overdraft facility linked to your home loan, designed for those who want to save on interest by parking surplus funds. It is ideal for buying or constructing a home.
- Eligibility: Existing and new home loan borrowers with a good credit history.
- Loan Amount: Linked to the sanctioned home loan amount.
- Maximum Tenure: Co-terminus with the primary home loan.
- Unique Features:
- Overdraft Facility: Allows you to deposit surplus funds into the linked account, which reduces the effective principal outstanding and thus the interest payable.
- Interest Savings: Interest is calculated only on the net outstanding balance (sanctioned loan minus funds in the overdraft account).
- Flexibility: You can withdraw funds from the overdraft account as needed, up to the sanctioned limit.
3. Pradhan Mantri Awas Yojana (PMAY)
- Purpose: A flagship initiative by the Government of India to achieve “Housing for All.” It provides an interest subsidy to eligible beneficiaries for purchasing or constructing their first home.
- Eligibility:
- Economically Weaker Section (EWS): Household income up to Rs. 3 Lakh.
- Low Income Group (LIG): Household income between Rs. 3 Lakh and Rs. 6 Lakh.
- Middle Income Group (MIG-I): Household income between Rs. 6 Lakh and Rs. 12 Lakh.
- Middle Income Group (MIG-II): Household income between Rs. 12 Lakh and Rs. 18 Lakh.
- Beneficiary family should not own a pucca house in their name or in the name of any family member in any part of India.
- Loan Amount: Varies by category, with subsidy on a specific loan amount.
- Maximum Tenure: Up to 20 years (for subsidy calculation).
- Unique Features:
- Upfront Interest Subsidy: A significant upfront subsidy on the interest component, directly reducing the effective cost of the loan.
- Special Interest Rate: Often comes with a lower Union Bank of India Home Loan Interest Rate for women and other specific categories under PMAY.
4. Union Awas
- Purpose: Specifically designed to cater to housing needs in rural and semi-urban areas. It facilitates construction, purchase, repair, and improvements of houses in these regions.
- Eligibility: Individuals residing in rural and semi-urban areas, with stable income.
- Loan Amount: Tailored to the cost of construction/purchase in rural/semi-urban areas.
- Maximum Tenure: Up to 30 years.
- Unique Features: Focus on affordable housing in non-metro areas, simpler documentation for rural applicants.
5. Union Green Home
- Purpose: Encourages the purchase or construction of eco-friendly and green-certified properties. This scheme promotes sustainable living and environmental responsibility.
- Eligibility: Applicants purchasing or constructing properties that meet specific green building certification standards.
- Loan Amount: Standard home loan amounts apply.
- Maximum Tenure: Up to 30 years.
- Unique Features:
- Interest Rate Concession: Offers an additional 10 basis points (0.10%) lower rate of interest compared to standard home loans, making it highly attractive for environmentally conscious buyers.
- Promotes Sustainability: Supports the development of energy-efficient and eco-friendly housing.
6. Union Ashiyana Personal Loan Scheme
- Purpose: A personal loan specifically for existing and new home loan borrowers of Union Bank of India. It helps meet personal expenses, such as furnishing, medical emergencies, or other financial needs.
- Eligibility: Existing or new home loan borrowers with a satisfactory repayment track record.
- Loan Amount: Varies based on eligibility and existing home loan amount.
- Maximum Tenure: Shorter than home loans, typically up to 5-7 years.
- Unique Features: Quick processing, no collateral required (as it’s based on existing home loan relationship), competitive interest rates.
7. Union Ashiyana Overdraft Scheme
- Purpose: Provides an overdraft facility for existing home loan borrowers to meet personal or business requirements, or for repaying high-cost loans. It offers liquidity against the security of your home.
- Eligibility: Existing home loan borrowers with a strong repayment history.
- Loan Amount: A percentage of the existing home loan outstanding or property value.
- Maximum Tenure: Co-terminus with the primary home loan.
- Unique Features:
- Flexible Access to Funds: Draw funds as needed, repay at your convenience.
- Interest on Utilized Amount: Interest is charged only on the amount utilized, not the entire sanctioned limit.
- Ideal for Business: Can be used for working capital needs or managing cash flow.
8. Union Mortgage Plus
- Purpose: An additional loan option for existing Union Bank customers. It allows you to leverage your existing property to secure additional funds for various purposes, such as business expansion, education, or other personal needs.
- Eligibility: Existing customers with a good relationship and repayment history with Union Bank.
- Loan Amount: Based on the value of the mortgaged property and your repayment capacity.
- Maximum Tenure: Varies based on the loan purpose and bank policy.
- Unique Features: Quick processing for existing customers, competitive interest rates against property collateral.
Comparisons and Alternatives
While Union Bank of India offers competitive Union Bank of India Home Loan Interest Rate and diverse products, it is always wise to compare with other major banks to ensure you get the best deal.
Home Loan Interest Rate Comparison with Other Major Banks (Indicative Starting Rates)
Bank Name | Indicative Starting Home Loan Interest Rate (per annum) |
---|---|
Union Bank of India | 8.60% |
State Bank of India (SBI) | 8.50% |
HDFC Bank | 8.70% |
ICICI Bank | 8.75% |
Bank of Baroda | 8.40% |
Punjab National Bank (PNB) | 8.55% |
Note: These are indicative starting rates and are subject to change. Actual rates depend on your CIBIL score, loan amount, applicant type, and other factors. Always check the latest rates directly with the respective banks.
Unique Value Proposition of Union Bank of India
Union Bank stands out with several unique features:
- Green Home Concession: A special 0.10% lower interest rate for eco-friendly properties.
- Women Borrower Discounts: A 0.05% concession for female applicants, making the Union Bank of India Home Loan Interest Rate for women highly competitive.
- Overdraft Facility (Smart Save & Ashiyana Overdraft): Offers flexibility to manage funds and save on interest.
- Balance Transfer Benefits: Allows you to transfer your existing home loan from another bank to Union Bank, potentially at a lower interest rate, though a nominal penalty might apply from the previous bank.
- Extensive Branch Network: A strong presence across India, providing easy access to services.
Frequently Asked Questions (FAQs)
A. The interest rate on Union Home Loan starts at 8.60% per annum. The final interest rate is determined by various factors including your CIBIL score, loan amount, monthly income, and chosen loan scheme. For a detailed breakdown, refer to the “Comprehensive Union Bank of India Home Loan Interest Rate Table” in this report.
A. Yes, Union Home Loan offers tax benefits under sections 80C, 80EE, and 24(b) of the Income Tax Act, 1961, provided your application meets the bank’s pre-set conditions.
A. Prepayment helps in settling your loan sooner, potentially reducing EMIs and loan tenure. Union Bank of India generally has no prepayment penalty on floating rate home loans when repaid from verifiable sources. However, a 2% penalty may be charged on the average outstanding balance of the preceding 12 months if the loan is taken from another bank.
A. PMAY (Pradhan Mantri Awas Yojana) is a comprehensive mission by the Ministry of Housing and Urban Poverty Alleviation, Government of India, aiming for “Housing for All by 2022.” Under this scheme, the Central Government provides an upfront interest subsidy to eligible home loan borrowers belonging to EWS/LIG/MIG categories.
A. Yes, Union Bank of India offers a 0.05% concession in the applicable rate of interest where female applicant(s) stand as borrowers or co-borrowers in the loan, and owner or co-owner in the proposed housing property.
A. EBLR stands for External Benchmark Lending Rate. Union Bank of India adopted the Repo Rate as its External Benchmark to link its floating rate home loans, effective from October 1, 2019. Under the EBLR regime, the interest rate changes at quarterly intervals on the 1st day of the calendar quarter subsequent to a change in RBI’s repo rate.
A. Loan eligibility is largely determined by your income and repayment capacity. Other important factors considered include your age, co-applicant’s income, the margin you offer, continuity of occupation, and your Credit Information Bureau (CIBIL/Experian etc.) track record.
A. It typically takes only 5 working days to get a Home Loan sanctioned from Union Bank of India after the submission of all requisite documents and papers.
A. There are two types of insurance covers for Home Loans. Property Insurance is mandatory to safeguard the bank’s interest against loss to the property from unpredictable damages and natural disasters. Liability Insurance or Life Insurance is optional and at the discretion of the borrower, though advisable. The one-time premium for liability insurance can sometimes be added to the property cost.
A. Encumbrance on a property refers to claims or charges on the property due to liabilities such as unpaid loans and bills. It is critical to ensure that properties considered for purchase are free of any encumbrances.
A. Existing Union Bank Home Loan customers may be eligible for various additional loans with special concessions, such as the Union Ashiyana Overdraft Scheme, Union Ashiyana Personal Loan Scheme, and Union Mortgage Plus.
A. Union Bank specializes in various mortgage types including Conventional, FHA (Federal Housing Administration), VA (U.S. Department of Veterans Affairs), and USDA (U.S. Department of Agriculture) loans, each with specific eligibility and benefits.
A. Beyond the processing fees (0.50% of loan amount, max Rs. 15,000), other charges include stamp duty and registration (according to actuals), and legal and valuation charges applicable for new homes.
A. Minimum credit scores apply and can impact the amount borrowed and interest rate. For instance, FHA loans may require a minimum 620 credit score, while Conventional mortgages typically require 640.
Summary of Key Features of Union Bank Home Loans
Union Bank of India offers a robust and customer-centric approach to home financing. Here is a summary of its key features:
- Competitive Interest Rates: Especially beneficial for borrowers with high CIBIL scores and female applicants.
- Flexible Loan Options: A wide array of schemes caters to diverse needs, from general home purchases to eco-friendly homes and rural housing.
- Overdraft Facility: Innovative options like Smart Save and Ashiyana Overdraft provide financial flexibility and potential interest savings.
- Long Tenure Options: Up to 30 years, ensuring manageable EMIs.
- Transparent EBLR Linkage: Floating rates are linked to external benchmarks for clear rate adjustments.
- Significant Tax Benefits: Avail deductions under various sections of the Income Tax Act.
- Efficient Processing: Quick sanction and disbursement times once all documents are in order.
- Customer-Focused Approach: Special concessions and dedicated schemes highlight a commitment to borrower needs.
Choosing a home loan is a significant financial decision. By understanding the Union Bank of India Home Loan Interest Rate 2025, its various schemes, eligibility criteria, and associated costs, you are well-equipped to make an informed choice that aligns with your financial goals.
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