4 Crore Union Bank of India Home Loan

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Union Bank of India offers a 4 crore home loan for high-value residential properties. The bank can disburse funds on time if you need to buy, build, or upgrade a home. They also offer more competitive interest rates and flexible repayment plans, making it a more affordable credit option. However, before finalising your decision, there are certain things you should know about this Union Bank of India 4 crore home loan. These may include the expected 4 crore home loan EMI with Union Bank of India, eligibility criteria, required documents, interest rates, and associated fees. Thus, you can make a more informed decision and have a stress-free journey towards homeownership. Continue to scroll down to learn more.

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4 Crore Union Bank Of India Home Loan EMI Calculator

Loan Amount

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5 Lac
20 Cr

Loan Tenure

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Rate Of Interest

Monthly Loan EMI

Payment Breakdown:

Principal Amount

₹4,00,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 4 Crore Home Loan Union Bank of India Highlights

2. 4 Crore Home Loan EMI for 5 Years Union Bank of India

3. 4 Crore Home Loan EMI for 10 Years Union Bank of India

4. 4 Crore Home Loan EMI for 15 Years Union Bank of India

5. 4 Crore Home Loan EMI for 20 Years Union Bank of India

6. 4 Crore Home Loan EMI for 25 Years Union Bank of India

7. 4 Crore Union Bank of India Home Loan Fees and Charges

8. 4 Crore Union Bank of India Home Loan Documents Required

9. 4 Crore Union Bank of India Home Loan Eligibility Criteria

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything finance.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 26th September 2024

4 Crore Home Loan Union Bank of India – Highlights

The Union Bank of India home loan interest rate for 4 crore and other key parameters are as follows:

Interest Rates	8.50% per annum onwards
Loan-to-value (LTV) ratio	Up to 75% of the property price
Loan Tenure	30 years or up to 75 years of age, whichever comes earlier
Eligibility	Applicable to both Indians and non-resident Indians (NRIs)

4 Crore Home Loan EMI for 5 Years Union Bank of India

Below are the 4 crore home loan EMI in Union Bank of India with a tenure of 5 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹4 Crore	8.50% p.a.	5 years	₹8,20,661	₹92,39,660	₹4,92,39,660

4 Crore Home Loan EMI for 10 Years Union Bank of India

Have a look at the expected 4 crore home loan EMI for 10 years from the Union Bank of India:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹4 Crore	8.50% p.a.	10 years	₹4,95,943	₹1,95,13,160	₹5,95,13,160

4 Crore Home Loan EMI for 15 Years Union Bank of India

Below are the Union Bank of India home loan of 4 crore EMI amount with a tenure of 15 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹4 Crore	8.50% p.a.	15 years	₹3,93,896	₹3,09,01,280	₹7,09,01,280

4 Crore Home Loan EMI for 20 Years Union Bank of India

Following are the statistics for a 4 crore home loan EMI in Union Bank of India with a tenure of 20 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹4 Crore	8.50% p.a.	20 years	₹3,47,129	₹4,33,10,960	₹8,33,10,960

4 Crore Home Loan EMI for 25 Years Union Bank of India

Here are the 4 crore home loan EMI in Union Bank of India with a tenure of 25 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹4 Crore	8.50% p.a.	25 years	₹3,22,091	₹5,66,27,300	₹9,66,27,300

4 Crore Union Bank of India Home Loan – Fees and Charges

Below are the fees and charges in addition to the Union Bank of India home loan interest rate of 4 crore:

Fee/Charge	Amount
Processing Fee	0.50% of the loan amount
Prepayment Charges	Nil
Late Payment Penalty	2% of the default amount
Stamp Duty & Other Statutory Charges	As per the state law

4 Crore Union Bank of India Home Loan – Documents Required

Below are the applicable documents for the Union Bank of India 4 crore home loan:

KYC Proof: PAN card, aadhar card, voter ID, passport, etc.
Address Proof: Utility bill, rental agreement, aadhar card, driving license, etc.
Salary Proof: Last 2-year ITR/Form 16 and 3-month salary slips.
Business Proof: Last 3-year ITR and other business documents (if you are self-employed).
Property Proof: Sale agreement, title deed, payment receipts, NOC from the builder, etc.
Additional Documents: Last six months’ bank statements and two passport-size photographs.

4 Crore Union Bank of India Home Loan – Eligibility Criteria

Below are the required 4 crore home loan eligibility in Union Bank of India:

Age Limit: The age limit must be between 18 and 75 years old.
Employment Status: You must be either a salaried or self-employed individual.
Income Criteria: You must have a regular source of income to cover the loan EMIs.
Credit Card: You must have a good credit score, preferably 700 or above.
Nationality: You must be an Indian citizen, which applies to non-resident Indians.

Frequently Asked Questions

What is the EMI for a 4 crore home loan for 20 years in Union Bank of India?

: The expected EMI for a 4 crore home loan over 20 years at Union Bank of India, with an annual interest rate of 8.50%, is ₹3,47,129.

Who is eligible for a 4 crore home loan in Union Bank of India?

Salaried and self-employed individuals are eligible for a 4 crore home loan at Union Bank of India.

What is the monthly interest rate of a 4 crore home loan in Union Bank of India?

The monthly interest rate for a 4 crore home loan in Union Bank of India starts at 0.71%.

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