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City Union Bank Home Loan

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4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 7.10% p.a.

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Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

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Dedicated Customer Support

Expert Assistance at Every Step

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Additional Funds when Required

Find Best Home Loan Offers

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
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Compare & Choose the Best Offer

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Curated Offers from Multiple Lenders

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Highest Loan Approval Chances

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Easy & Transparent Borrowing Process

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

City Union Bank Home Loan Highlights

Interest Rate (floating) 8.25%-10.50% p.a.
Interest Rate (fixed) 8.35%-10.35% p.a.
Loan Amount Up to Rs 7.5 crores
Loan Tenure Up to 30 years
LTV Ratio Up to 80%
Processing fees Up to 0.35% of the loan amount

City Union Bank Home Loan Interest Rates

City Union Bank Home Loan interest rate starts at 8.25% p.a. The home loan interest rates provided by the lender, based on the loan amount, nature of interest rate (fixed/floating) and home loan scheme, are provided below:

Floating Interest Rates

Affordable Home Loan Rates - Up to Rs 30 lakh

Bureau Score Interest Rates (p.a.)
Above 800 8.25%-8.50%
Above 700 to 800 8.50%-9.00%
Above 100 to 200 9.00%-9.50%

Prime Home Loan Rates - Above Rs 30 lakh to Rs 75 lakh

Bureau Score Interest Rates (p.a.)
Above 800 8.50%-9.00%
Above 700 to 800 8.75%-9.50%
Above 100 to 200 9.25%-10.00%

Premium Home Loan Rates - Above Rs 75 lakh to Rs 7.5 crore

Bureau Score Interest Rates (p.a.)
Above 800 8.75%-9.50%
Above 700 to 800 9.00%-10.00%
Above 100 to 200 9.50%-10.50%

Fixed Interest Rates

Affordable Home Loan Rates - Up to Rs 30 lakh

Bureau Score Interest Rates (p.a.)
Above 800 8.35%
Above 700 to 800 8.85%
Above 100 to 200 9.35%

Prime Home Loan Rates - Above Rs 30 lakh to Rs 75 lakh

Bureau Score Interest Rates (p.a.)
Above 800 8.85
Above 700 to 800 9.35%
Above 100 to 200 9.85%

Premium Home Loan Rates - Above Rs 75 lakh to Rs 7.5 crore

Bureau Score Interest Rates (p.a.)
Above 800 9.35%
Above 700 to 800 9.85%
Above 100 to 200 10.35%

Compare Interest Rates on Home Loans for Top Banks & HFCs

Name of Lender Loans of Up to Rs. 30 Lakh
Bank of India 7.10% p.a. onwards Check Eligibility
State Bank of India 7.25% p.a. onwards Check Eligibility
Punjab National Bank 7.20% p.a. onwards Check Eligibility
Canara Bank 7.15% p.a. onwards Check Eligibility
HDFC Bank 7.90% p.a. onwards Check Eligibility
Bajaj Housing Finance 7.40% p.a. onwards Check Eligibility
ICICI Bank 7.65% p.a. onwards Check Eligibility
Axis Bank *8.25% p.a. onwards Check Eligibility
Federal Bank *7.90% p.a. onwards Check Eligibility
Kotak Mahindra Bank 7.70% p.a. onwards Check Eligibility
IDFC FIRST Bank 8.85% p.a. onwards Check Eligibility
IDBI Bank 7.35% p.a. onwards Check Eligibility
RBL Bank 8.20% p.a. onwards Check Eligibility
Tata Capital Housing Finance 7.75% p.a. onwards Check Eligibility
PNB Housing Finance *7.20% p.a. onwards Check Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance) 		8.75% p.a. onwards Check Eligibility
India Shelter Home Loan 8.43% p.a. onwards Check Eligibility
L&T Finance Limited *8.40% p.a. onwards Check Eligibility
Godrej Housing Finance 7.75% p.a. onwards Check Eligibility
Home First Finance 8.00% p.a. onwards Check Eligibility
Easy Home Finance 8.99% p.a. onwards Check Eligibility
Piramal Capital Housing Finance *8.25% p.a. onwards Check Eligibility
Shubham Housing Finance 10.45% p.a. onwards Check Eligibility
Punjab & Sind Bank 7.30% p.a. onwards Check Eligibility
Jio Housing Finance 8.20% p.a. onwards Check Eligibility
HDFC Sales Pvt Ltd 7.90% p.a. onwards Check Eligibility

Fees and Charges for City Union Bank Home Loan

Home Loan Processing fees

Particulars Rates
Affordable Home loan 0.35%+ GST
Prime Home loan 0.25%+ GST
Premium Home loan 0.20%+ GST

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Your Dream Home

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Features of City Union Bank Home Loan

Purpose

  • Purchase of house site for construction (non-agricultural land) and construction of residential unit.
  • Purchase of ready-built or flat or villa or apartment.
  • Completion of under-construction residential unit.
  • Purchase of old residential house or flat or apartment (Age of the building - maximum 30 years.
  • Balance transfer loan or takeover of housing loan availed or (only against residual repayment period).
  • For undertaking any furnishing or interior works. A minimum margin of 50% is required for funding.
  • Repairs/improvements/extension of the existing housing loan property, for which a loan amount from Rs 5 lakh to Rs 30 lakh will be considered based on the property's location.
  • Builder Tie-ups (Approved Projects). The bank also claims to fund housing loans to borrowers who intend to purchase villas or flats from builders whose projects are approved or funded by City Union Bank

Loan Amount

The loan amount is based on the Net salary income (net annual income in case of nonsalaried applicants) and repayment capacity of the applicant(s) based on FOIR (60%). Stated below are the types of CUB Home Loan:

  • Affordable Home Loan: The loan amount of affordable home loan ranges from Rs 10 lakh to Rs 30 lakh.
  • Prime Home Loan: The loan amount of prime home loan ranges from Rs 30 lakh to Rs 75 lakh.
  • Premium Home Loan: The loan amount of prime home loan ranges from Rs 75 lakh to Rs 7.50 crore.

Moratorium and Repayment period

Particulars Construction Ready built house Repairs & Renovation
Moratorium Up to 2 years Up to 3 months Up to 3 months
Tenure (including moratorium period) Up to 10 years Up to 10 years Up to 7 years

Security

  • The home loan will be secured by an equitable mortgage of the land and building/flat for which the loan is approved.
  • Interim Security Pending Mortgage: If the creation of the mortgage is delayed for any valid reason beyond 24 months, appropriate security, including a third-party guarantee if necessary, may be obtained for the interim period.

CUB Home Loan Eligibility Criteria

Both salaried and self-employed individuals are eligible for availing home loans from City Union Bank:

For Affordable Home Loan

Income Criteria

Loan amount Salaried
(Net Take-home pay) 		Non-Salaried
(Gross Total Income)
Rs 25 lakhs & above Rs 50,000 p.m. Rs 5 lakh p.a.
Below Rs 25 lakhs Rs 35,000 p.m. Rs 4.25 lakh p.a.

CIC Score Criteria

Name of the CIC Minimum Score
Transunion CIBIL 700

For Prime Home Loan

Income Criteria

Particulars Salaried
(Net Take-home pay) 		Non-Salaried
(Gross Total Income)
Minimum income requirement Rs 50,000 p.m. Rs 5 lakh p.a.

CIC Score Criteria

Name of the CIC Minimum Score
Transunion CIBIL 700

For Premium Home Loan

Income Criteria

Particulars Salaried
(Net Take-home pay) 		Non-Salaried
(Gross Total Income)
Minimum income requirement Rs 50,000 p.m. Rs 5 lakh p.a.

CIC Score Criteria

Name of the CIC Minimum Score
Transunion CIBIL 700

Documents Required for City Union Bank Home Loan

The list of home loan documents required while applying for City Union Bank Home Loans are as follows:

ID proof

  • Aadhaar card
  • Passport
  • PAN card
  • Voter’s identity card
  • Driving license
  • Ration Card
  • Identity card/confirmation from employer or other bank (subject to the branch’s satisfaction)
  • ID card issued by recognized educational institutions
  • Letter from a recognized public authority or public servant (not below the rank of the Tahsildar) verifying the identity and residence of the customer to the satisfaction of Bank
  • Job card issued by NREGA duly signed by an officer of the State Government
  • Letter issued by UIDAI (Unique Identification Authority of India) with details of name, address & Aadhaar number.

Address proof

  • Aadhaar card
  • Passport
  • Voter’s Identity card
  • Driving license
  • Telephone bill (not older than 2 months with installation at least before 6 months)
  • Bank account statement
  • Letter from a recognized public servant or public authority (not below the rank of Tahsildar) verifying the customer’s identity and residence to bank’s satisfaction
  • Electricity bill (latest)
  • Ration card
  • Letter from employer (subject to bank’s satisfaction) ID issued by Postal Authorities
  • Job card issued by NREGA and duly signed by a state government officer
  • Letter issued by UIDAI (Unique Identification Authority of India) with details of name, address & Aadhaar number.
  • Consumer Pass Book issued by Gas Agency
  • A rent agreement indicating the address of the customer duly registered with State Government or similar registration authority

Note: City Union Bank may ask its home loan applicants to submit additional documents, apart from the ones mentioned above, based on their requirements and the loan applicant’s profile.

Customers can enquire more about the housing loan schemes offered by the lender by getting in touch with City Union Bank Home Loan Customer Care

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

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What our customers say

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Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021
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