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    City Union Bank Home Loan Reviews

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    City Union Bank Home Loan is Rated as "Excellent!" by 3 Users

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    Buying a house or owning a plot is one of the most basic necessities in life. Having a home that we can call our own not only ensures a shelter for our loved ones but also offers financial security. Plus, it acts as an investment instrument as the value of real estate is always on the rise. For most of us, investing in a home often comes with dependency on an external source of financing such as home loans.

    After all, it makes sense to go for a loan which offers to fund a large share in the project costs and allows you to pay in equated installments. Being a leading bank in Tamil Nadu with pan India presence, City Union bank offers loan solutions for a plethora of housing needs at attractive interest rates. Packaged and sold as CUB Sway am Girah, the home loan from this bank is available for the following purposes.

    • For purchasing a house/flat (loan for flat under construction can also be availed)
    • Purchasing a site for construction of a house
    • Constructing a house on a site already owned
    • Improvement or extension of an existing house/flat

    Feature & Benefits of City Union Bank Home Loan:

    Simple eligibility criteria:

    This loan is available to individuals with an established source of income. Salaried, self-employed, farmers, professionals, businessmen and other classes of employed workers are eligible to apply for a home loan under this scheme.

    Repayment period:

    With CUB, you’re free to choose a repayment term of your choice from the options offered. While salaried borrowers get up to 15 years for loan repayment, self-employed businessmen can repay the loan equated installments in up to 10 years.

    Minimal security requirement:

    The security on the loan is in the form of mortgage where equitable part of the house/site/flat will act as collateral until full repayment of the loan amount. There is requirement to furnish any other form of security.

    High loan amount:

    CUB will fund up to 75% of the overall costs involved in the housing project, which implies less burden for you. The maximum loan offered is Rs.25 lakhs. The quantum of finance varies with the type of property involved.

    City Union Bank Home Loan Interest rates:

    The rates offered by CUB are charged on the basis of the loan term chosen by the borrower. The table below provides a breakup.

    Loan term Rate of interest
    Up to 5 years 10.50% (Base rate only)
    5 years to 10 years 11.00% (Base rate +0.50%)
    10 to 15 years 11.50% (Base rate + 1.00%)

    The interest charges are subject to frequent revision without prior notice. Inquire with the nearest branch of CUB before applying for a loan. 

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