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| Uco Bank Home Loan | How to take UCO Bank Home Loan | Loan Interest Rate Fees & Charges 2022 |
UCO bank is such a bank which provides uco bank loan scheme according to the need of the customer, with the help of which the customer can choose uco bank loan according to his own. If you also want to take loan in uco bank then read this article completely.
Friends, in this article we will discuss in detail about UCO Bank home loan. In which how to take UCO bank home loan and what is the interest rate of UCO bank home loan?? And at the same time, we are going to tell you the complete list of UCO Bank home loan documents that will be required.
If seen, every person needs a house. That person dreams that he has his own house. But due to lack of money, he cannot buy his own house. That's why there is always this question in his mind that home how to take loan in hindi
Friends, if you also want to take uco bank home loan, then there is nothing to worry about. In this article you will get all the information that you are looking for on the internet.
So friends, this article of ours is related to the same topic that how to take UCO bank home loan. Friends, let us tell you that uco bank offers you uco housing loan at very low interest rate. Under which you will get UCO bank home loan.
Now this question will be in your mind that if uco bank se home loan kaise le then there is nothing to worry about in this article we will also tell how to apply uco home loan online.
Now every person can easily take uco home loan for his own house from uco bank.
What is home loan? (What is home loan in hindi)
If you are thinking of taking UCO Bank home loan, then first of all it becomes necessary to know what is this home loan. If you take a loan from the bank, then this loan is called home loan.
Let us tell you that if you also want to take a home loan, then there are many uco home loan festival offers running in UCO Bank Home Loan. In which you can take home loan in good offer.
Friends, uco housing loan starts at 6.90% per annum in uco bank home loan under uco ltd.
So friends, now you must have known what is home loan. Let us now also know what are the features and benefits of uco home loan.
Benefits of uco Home Loan
* The biggest feature of UCO bank home loan is that interest is charged only on the outstanding amount of uco bank home loan that means no interest is charged on the amount paid earlier.
To take uco bank home loan, any salaried person or self-employed person or any NRI / PIO can apply for uco bank home loan.
*UCO Bank Home Loan provides home loan to the customers to buy or construct a residential house or flat. UCO bank loan cannot be used for other purposes other than home.
You can also take home loan to renovate or repair your old house using uco bank home loan. Or you can also use uco bank home loan to buy new furniture in the house.
* If you have already taken a home loan from any other bank, then you can also take advantage of uco home loan to repay that home loan.
*For availing UCO Bank Home Loan, you will have to pay a certain processing fee to UCO Bank.
*After taking uco bank home loan, this loan is repaid through emi. The repayment period of the uco home loan should not exceed 30 years.
*9 other applicants can join UCO Bank Home Loan.
*UCO bank provides zero pre-payment facility. In which the customer can repay his entire loan before the repayment period of uco bank home loan.
* The customer taking UCO Bank Home Loan also gets the relief of paying some tax as per the rules and conditions of the Income Tax Department.
* Customer can also get other tax benefits from uco bank.
*In order to protect the family of the UCO Bank home loan borrower from the burden of the loan or to avoid damage to the property of the customer, UCO Bank offers to take different insurance plans which are as follows:
1. UCO Griha Raksha Plus : This is a very popular insurance plan provided by UCO Bank. Under which the customer who has taken UCO Bank Home Loan dies due to accident or permanent disability. In that case, the amount of loan that is left to be repaid is given as a cover to repay that amount. Friends, if the customer dies under any serious illness, then the customer can get the benefit of this insurance plan. .
2. UCO Griha Raksha Yojana: In this insurance plan, the customer's house is taken to compensate for the damage caused by natural calamities.
3. UCO Grih Jeevan Suraksha: In case of accidental or natural death of the customer, the remaining amount of the home loan is repaid under this insurance plan.
UCO Home Loan Schemes(UCO Home Loan Types)
Friends, the home loan requirement of every customer is different. That's why uco bank has come up with many types of uco home loan for the convenience of its customers. So let's know which are the types of uco bank home loan is from.
UCO Pre-approved Loan
UCO Pre Approved Home Loan: This home loan is given in principle. Means this loan is given at the time when the house or building work has not been completed yet.
*This home loan Any salaried person or self-employed person or any NRI / PIO can apply for UCO Bank Home Loan.
* To take UCO Pre Approved Home Loan, the age of the customer should be at least 21 years. And the maximum age should be 70 years.
* This loan floating rate interest rate is linked to the beige rate, so if there is any movement in the beige rate, then it will have a direct effect on the floating rate of UCO Pre Approved Home Loan.
* After the approval of this loan, you have to buy the property within 4 months.
* In this loan, the bank pays the processing fee from the customer which can be as low as Rs 1000 and maximum up to Rs 15000. Which varies according to the rules of the bank.
UCO Pre Approved Home Loan Loan Amount
Home Loan Amount The loan amount is decided after considering the purpose of the loan, area of residence, monthly income, repayment capacity and cost of the housing project of each customer.
UCO Top-up Home Loan
UCO Top-Up Home Loan: If you have already taken uco bank home loan and you want more uco bank home loan then uco bank provides you uco top-up home loan.
* This home loan You can also take advantage of uco topup home loan for home repairs, to install furniture in the house or to make the house bigger, to meet the expenses like children's education and marriage.
*If the customer has paid 36 emi regularly then that customer can get uco topup home loan.
*Customer can apply for UCO Top-up Home Loan with minimum 1 Lakh and maximum up to 25 Lakh UCO Bank Home Loan.
*If this loan is available, then processing fee of 7% to 10% is also levied on it.
* - The uco bank home loan has to be paid before the customer completes 70 years.
Uco Bank Home Loan Interest Rate
Uco Bank Home Loan Interest Rate 2022: Friends, you may have to pay an interest rate of 6.90% per annum for taking Uco Bank home loan.
Friends, you also need to know that uco bank home loan interest is charged by looking at the applicant's monthly salary and his CIBIL score, how much loan amount is to be taken and the loan repayment period. If you are an old customer of uco bank then uco There can be some relief in home loan interest rate.
Uco Bank Home Loan Fees & Charges
Uco Bank Home Loan Eligibility Conditions
Uco Home Loan Eligibility : Friends, Uco bank provides many home loan schemes keeping in mind the needs of its customers. And the eligibility conditions of all home loan schemes are different. But here we will give you some basic of Uco bank home loan. Qualification and conditions will be mentioned.
UCO Bank Home Loan Eligibility Conditions for Self Employed Individual (For Salaried)
* Any person who fills income tax return can get uco bank home loan.
*The applicant should be above 21 years of age at the time of starting the home loan.
At the time of maturity of the home loan, the age of the applicant should be not more than 70 years.
Uco Bank Home Loan Eligibility Conditions for For Salaried
*The applying customer should be a permanent job holder in a government or private organization.
*The applicant should be above 21 years of age at the time of starting the home loan.
*At the time of maturity of the home loan, the applicant's age should be maximum 70 years.
UCO Bank Home Loan For Professionals Eligibility Criteria
* Other professionals like Engineer, Accountant, Architect, Company Secretary, Management Consultant, Doctor, Chartered Accountant, Dentist, are qualified to take uco bank home loan.
*The applicant should be above 21 years of age at the time of starting the home loan.
*At the time of maturity of the home loan, the applicant's age should be maximum 70 years.
Documents Required for UCO Bank Home Loan
A lot of documents are required for UCO Bank home loan which are as follows:
*Proof of income
*Proof of address
*Application Form
*Proof of identification
*Proof of Age
*Signature proof
* Loan agreement
* Loan extension
*Bank's section letter
*Processing fee check (in the name of the bank)
*Bank statement or TDS challan
Friends, remember that this is only the basic document for taking uco bank home loan, apart from this, the bank can also ask for other documents for home loan.
How to Apply Uco Bank Home Loan (Uco Bank Home Loan Apply)
To take home loan, the customer can apply online or offline by visiting the bank to take UCO Bank home loan. Let's know how to do it.
How to apply online (uco bank online home loan apply)
*First of all you have to go to the official website of uco bank.
Click on home loan.
* Now the names of many schemes of uco bank home loan will appear in front of you. After selecting it, click on the option of Apply Now.
* Now uco bank home loan online application form will open in front of you.
* In uco bank housing loan application form, after selecting your name, email id, mobile number, state and city, you have to SUBMIT the form by filling all other personal information.
* Now the bank's uco bank loan department employees will contact you for kyc.
* If everything is correct then uco home loan will be deposited in your account.
So friends, in this way you can apply uco home loan online.
How to Apply Offline in bank for Home Loan
*First of all you have to go to any uco bank branch near you.
* By going to uco bank, you will have to talk to the employee of uco bank loan department about home loan.
* Home loan application form will be given to you by uco bank.
* You have to submit this form to the bank by filling this form and adding all the required documents.
*UCO Bank employees will check your eligibility and documents to see whether you are really eligible to take a home loan or not.
* If the bank feels that you have the eligibility to take home loan (uco home loan eligibility), then your loan will be passed in a few days or months.
*And your home loan amount will be deposited in your bank account.
So friends, in this way you can apply for home loan online or by going to the bank to take UCO Bank home loan.
UCO Home Loan Customer Care
If you need more information about UCO bank home loan or you have any problem related to uco home loan and uco housing loan then you can call and talk to uco home loan customer care.
* We have written uco home loan customer care number and email id here. Through which you can get the solution of your problem.
*UCO bank home loan customer care number : 1800 103 0123
You can get information on this number by calling 1800 103 0123.
*UCO home loan customer care email id: hopgr.calcutta@ucobank.co.in
Frequently Asked Questions:
Q. What is the home loan interest rate of UCO Bank?
UCO Bank home loan interest rate starts from 6.90%.
Q. What are the documents required for UCO Bank Home Loan?
Proof of Identity Proof of Address, Proof of Age and Proof of Income is required for UCO Bank Home Loan, apart from this many documents are also required about which we have written in the article.
Q. How to take home loan from UCO Bank?
For home loan from UCO bank, you can apply online on the official website of UCO Bank or offline by filling the form by visiting the nearest branch of any UCO Bank.
Q. What is UCO Bank customer care number?
UCO Bank customer care number is 18002740123.
Q. How to make complaint in UCO Bank?
To make a complaint in UCO Bank, you can go to any branch of UCO Bank and submit it by filling the complaint form or you can also make a complaint online by emailing to the official email address of UCO Bank.
hopgr.calcutta@ucobank.co.in
Q.How to add mobile number in UCO Bank?
To add mobile number in UCO Bank, you can visit UCO Bank branch by filling up the mobile linking form and you can add mobile number by using net banking of UCO Bank.
Q. Who is the owner of UCO Bank?
Government of India is the owner of UCO Bank. And the founder of UCO Bank is Ghanshyam Das Birla.
Q. Where is the headquarter of UCO Bank located?
The headquarter of UCO Bank is located in Kolkata, West Bengal.
Q. Is UCO Bank Government or Private?
UCO is a public sector bank owned by the Government of India.
Q. UCO Bank is the bank of which country?
UCO Bank India is the commercial bank of the country, which has more than 3000 branches in different cities and villages in India.
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