Switching your home loan to a new bank or Housing Finance Company (HFC) can be a smart financial move, especially if it offers a lower interest rate or an additional top-up loan. With Unico’s Home Loan Balance Transfer, you can ease your financial burden by reducing your EMIs and freeing up more funds for your needs. After all, a penny saved is a penny earned! A home loan typically lasts for up to 30 years, but you don’t have to stay with the same lender for the entire tenure. The home loan balance transfer option allows you to shift your loan to another institution, offering benefits such as lower interest rates, improved customer service, and easy access to top-up loans.
Seamless Loan Transfer: Move your existing home loan to Unico and enjoy the benefits of lower EMIs and additional top-up loans.
Competitive Interest Rates: Avail attractive interest rates for greater savings.
Flexible Loan Tenure: Up to 30 years for salaried employees (Government, PSU, and Private sector) earning more than ₹35,000/month. Up to 25 years for other salaried professionals. Up to 20 years for self-employed individuals.
Convenient Loan Servicing: Access our wide branch network for hassle-free loan management.
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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.
Unico’s Home Loan Balance Transfer: Empower Your Finances
Unico's seamless home loan balance transfer give you lower rates, reduced EMIs & personalised assistance.
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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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