Our Loan Products

Tailored financial solutions to make your housing dreams a reality

Find the Perfect Loan for Your Needs

At Unico Housing Finance, we understand that every customer has unique requirements. Our diverse range of loan products is designed to cater to various housing finance needs.

Home Loans

Renovation Loans

Resale Home Loans

Loan Refinancing

Micro Housing Loans

Home Loans

Finance for purchasing new homes, resale properties, or self-construction projects

Key Features

  • Competitive Interest Rates

    Starting from 8.50% p.a., among the lowest in the industry

  • Flexible Loan Tenure

    Choose from 5 to 30 years repayment period based on your financial planning

  • High Loan Amount

    Up to 85% of the property value or construction cost

  • Minimal Documentation

    Streamlined paperwork for faster processing

  • No Hidden Charges

    Transparent fee structure with no surprises

Eligibility Criteria

Age
21-65 years
Employment
Salaried, Self-employed, Professionals
Income
Minimum ₹25,000 per month
Credit Score
700+ preferred
Apply Now Calculate EMI

Home Renovation Loans

Financial support for renovating, refurbishing, or extending your existing property

Key Features

  • Quick Approval

    Get your loan approved within 3-5 working days

  • Attractive Interest Rates

    Starting from 9.00% p.a.

  • Loan Amount

    From ₹2 lakhs to ₹50 lakhs based on renovation scope

  • Flexible Repayment

    Tenure ranging from 1 to 15 years

  • Tax Benefits

    Available under Section 24 of Income Tax Act

Eligibility Criteria

Property Ownership
Must own the property being renovated
Property Age
At least 3 years old
Income
Minimum ₹20,000 per month
Renovation Plan
Detailed cost estimate required
Apply Now Calculate EMI

Resale Home Loans

Specialized financing solutions for purchasing pre-owned residential properties

Key Features

  • Property Valuation Assistance

    Professional assessment to ensure fair property pricing

  • Legal Support

    Assistance with property documentation and title verification

  • Competitive Interest Rates

    Starting from 8.75% p.a.

  • No Age Restrictions

    Loans available for properties of any age with good condition

  • Balance Transfer Option

    Easy switch from existing loans with better terms

Eligibility Criteria

Property Type
Residential only, with clear title
Property Condition
Good structural condition required
Loan to Value
Up to 80% of property value
Seller Documentation
Complete chain of property papers
Apply Now Calculate EMI

Loan Refinancing

Restructure your existing home loan for better interest rates and terms

Key Features

  • Rate Reduction

    Lower interest rates than your current loan

  • Top-up Option

    Additional funds above your existing loan balance

  • Tenure Adjustment

    Flexibility to increase or decrease loan duration

  • Minimal Processing Fee

    Lower fees compared to new loans

  • Streamlined Process

    Simplified documentation for existing home loan holders

Eligibility Criteria

Existing Loan
At least 1 year of repayment history
Payment Record
No default or delayed payments
Current Rate
At least 1% higher than our offered rate
Credit Score
700+ preferred
Apply Now Calculate EMI

Micro Housing Loans

Affordable housing finance solutions for low-income groups and first-time homebuyers

Key Features

  • Special Interest Rates

    Subsidized rates starting from 7.90% p.a.

  • Lower Down Payment

    As low as 10% of property value

  • Government Subsidy Linkage

    Assistance in availing applicable government schemes

  • Flexible Documentation

    Alternative income proof acceptance for informal sector

  • Financial Literacy Support

    Guidance on financial planning and loan management

Eligibility Criteria

Income Category
EWS/LIG as per government norms
Property Type
Affordable housing projects, small plots
Loan Amount
₹3 lakhs to ₹25 lakhs
First-time Buyer
Preference given to first-time homeowners
Apply Now Calculate EMI

EMI Calculator

₹ 20,00,000
8.5%
20 Years

Monthly EMI

₹ 17,252

Total Interest Payable

₹ 21,40,480

Total Amount Payable

₹ 41,40,480

This is an approximate calculation. Actual EMI may vary.

Apply Now

Need Help Choosing the Right Loan?

Our financial experts are ready to guide you through the options and help you select the best loan product for your needs.

Contact Our Experts View Application Process