A home construction loan is designed for individuals looking to build their dream home for residential use. This loan provides financial assistance to help customers construct a house according to their needs. With Unico’s Home Construction Loan, you can benefit from easy approvals and quick disbursals, ensuring a smooth and hassle-free experience.
Convenient Loan Servicing: Enjoy tax advantages on your home construction loan.
Tax Benefits: Get loan approval tailored to your construction requirements.
Flexible Eligibility: Choose from a wide range of payment options for added convenience.
Multiple Payment Modes: A professional team is available to guide you at every step.
Doorstep Assistance: Experience a seamless loan process with speedy approvals.
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Frequently Asked Questions
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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.
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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.
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