Easy loans made for
people like you.

Partner With Unico
Refer & Earn

Home Loan Balance Transfer

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New Commercial Property Purchase Loan

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Home Extension
Loan

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Loan Against Property
Residential

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Home Construction
Loan

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Resale Commercial Property Purchase Loan

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"Why spend money on rental
homes unnecessarily?"

Own your dream home with Unico Housing Finance and transform your rent into monthly instalments for your own house.

Why Choose Unico

Quick Approvals, Simplified Process:

Recognizing your urgency, we streamline pre-loan formalities to expedite decisions and provide quicker access to your dream home.
Seamless Documentation, Reduced Paperwork:

We emphasize a straightforward documentation process, guaranteeing a smooth journey towards your dream space.
Digital Ease, Constant Connectivity:

Our intuitive digital tools provide round-the-clock access to account details, payments, and support, empowering you at every stage.

Plan your dream home with confidence!

Loan EMI Calculator

₹

Loan Amount

₹ 1060000

Interest Rate

6 %

Tenure in Years

5 Year

Monthly Emi

₹ /Month

Principal Amount

₹ 10000

Total Interest

₹ 10000

Loan Amount

1K1CR

Rate Of Interest (P.A.)

1%24%

Loan Tenure (in Months)

1360

Loan Origination Charges

Payable to Unico

Payable to Third Party Through Unico

APR(%)

Illustration of APR and KFS Template

Frequently Asked Questions

Answers to your home financing queries

General

Loans

The determination of your Home Loan eligibility relies on your repayment capacity, extending up to 90% of the property value. Repayment capacity is influenced by the combined income of all applicants and the age of the primary applicant.

Certainly, you can also apply for a loan to acquire a home, construct a home, address home repairs, undertake home improvements, extend your existing home, or for the combined purpose of plot purchase and home construction.

You will have to submit the documents along with your application form.

The tenure of your home loan ranges for up to 20 years. The term, however, does not extend beyond the retirement age or 60 years, whichever is earlier.

Yes, based on your income eligibility, we can offer you PNI (Property Not Identified) sanction letter for your home loan. You can identify the property you need to buy based on this document. Kindly speak to your sales manager to know more.

You can initiate a Home Loan application at any point after deciding to purchase or construct a property, even before finalizing the property or commencing construction.

Certainly, resident Indians qualify for tax advantages on both the principal and interest components of a home loan as per the Income Tax Act. It is recommended to seek advice from your tax advisor for specific details.

The security for the loan usually includes a legal interest in the property financed by us and/or any extra collateral or temporary security deemed necessary by us.

The repayment of the principal starts from the month subsequent to the month in which you receive the complete disbursement of your loan. During the interim disbursement period, you are required to pay interest on the disbursed portion of the loan.

Encumbrance refers to claims, charges, or liabilities on a property, typically arising from factors like unpaid loans, outstanding bills, or other financial obligations.

You need to provide an 'own contribution' ranging from 10-25% of the total property cost, depending on the loan amount. A housing loan can cover 75 to 90% of the property cost.

Blogs and Articles about UNICO

ETHRWorld Emerging Leaders League: Honoring the Top HR Trailblazers Under 40

Unico Housing Finance Teams Up with Oracle to Provide Affordable Housing Solutions

ETHR Employee Experience Award 2024: Honoring Outstanding Employee Experiences

The Tech-Powered Evolution of India's Lending Sector

Unico Housing Finance Harnesses Oracle Cloud to Support India’s Unbanked Community

India’s Unico Housing Finance Secures a Multi-Application Agreement with Oracle Cloud Infrastructure

Unico Housing Finance Adopted Oracle Cloud Infrastructure to Empower India's Unbanked Community

e4m-Tata Communications Roundtable: Leaders to Discuss Elevating CX Across Channels

How Unico Utilizes OCI to Assist Underserved Homebuyers

ETHRWorld Emerging Leaders League: Honoring the Top HR Trailblazers Under 40

Unico Housing Finance Teams Up with Oracle to Provide Affordable Housing Solutions

ETHR Employee Experience Award 2024: Honoring Outstanding Employee Experiences

The Tech-Powered Evolution of India's Lending Sector

Unico Housing Finance Harnesses Oracle Cloud to Support India’s Unbanked Community

India’s Unico Housing Finance Secures a Multi-Application Agreement with Oracle Cloud Infrastructure

Unico Housing Finance Adopted Oracle Cloud Infrastructure to Empower India's Unbanked Community

e4m-Tata Communications Roundtable: Leaders to Discuss Elevating CX Across Channels

How Unico Utilizes OCI to Assist Underserved Homebuyers

Unico Housing Finance Private Limited, an RBI-registered housing finance company, is dedicated to offering affordable housing solutions for lower and middle-income customers. Unico’s services provide diverse benefits, catering to individuals in the affordable housing segment.

Registered Office : Unico Housing Finance Private Limited
8th Floor, The Oval, No. 10 & 12, Venkata Narayana Road, T. Nagar, Tamil Nadu, Chennai- 600017.

CIN : U64990TN2023PTC158736