UCO Bank offers Loan Against Property @ 10.70% p.a. onwards for loan amounts of up to Rs 5 crore and for tenures of up to 12 years. It also offers UCO Rent, a credit facility offered against rent receivables.
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Check Now Check Loan Against Property OffersUCO Bank Loan Against Property Highlights | |
| Interest Rate | 10.70%-11.85% p.a. |
| Loan Amount | Up to Rs 5 crore |
| Tenure | Up to 12 years |
| Processing Fee | 0.50% of loan amount (up to Rs 2 lakh) |
| Minimum Income | For Salaried: Rs 30,000 per month (metros); Rs 20,000 (other locations) For Non-Salaried: Rs 4 lakh p.a. |
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Table of Contents
| CIBIL Score | Interest Rate (p.a.) |
| >750 | 10.85% |
| 700-749 | 11.35% |
| Below 700 | 11.85% |
| Type of Applicants | Interest Rate (p.a.) |
| Owner of UCO Bank branch premises | 10.70% |
| Owners of the premises of other banks’ branches or where the tenants are PSUs, reputed corporates, Insurance companies, Financial Institutions and MNCs | 10.85% |
| Other property owners requiring repayment tenures of up to 3 years | 11.55% |
| Other property owners requiring repayment tenures of above 3 years | 11.80% |
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| Name of the Lender | Interest Rate (% p.a.) |
| State Bank of India | 10.35-11.05 |
| Bank of Baroda | 10.55-16.20 |
| PNB Housing Finance | 9.65-13.00 |
| IDFC First Bank | 8.75-16.25 |
| HDFC | 9.35-12.25 |
| L&T Housing Finance | 9.60 onwards |
| LIC Housing Finance | 9.10-12.25 |
| Godrej Housing Finance | 9.75-14.50 |
| ICICI Bank | 9.75-10.90 |
| Tata Capital | 9.85 onwards |
| Bajaj Housing Finance | 9.85-10.80 |
| Axis Bank | 9.90-10.35 |
| Kotak Mahindra Bank | 9.15 onwards |
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| Particulars | Charges |
| Processing Fee | Up to 0.50% of loan amount (up to Rs 2 lakh) |
| Pre-payment Charges | NIL when pre-payment is done through borrower’s own fund 1% in other cases |
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Purpose:
Loan Amount:
Tenure: Up to 12 years
Purpose: Loan against rent receivables for productive purposes like undertaking repairs, renovation, augmenting earnings, etc.
Loan Amount: Minimum Rs 1 lakh
LTV Ratio:
| Applicant Type | LTV Ratio |
| Owners of the premises of other banks’ branches or where the tenants are PSUs, reputed corporates, Insurance companies, Financial Institutions and MNCs | Up to 70% of total rent receivables |
| Other property owners | 50% of total rent receivables |
Tenure: Up to 10 years
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