Achieve your dream of owning a home with a City Union Bank Home Loan, a reliable housing finance solution designed for individuals across income segments. Whether you plan to purchase a ready-built house or flat, construct a home on your own site, renovate an existing property, or raise funds through property, City Union Bank (CUB) offers customised home loan products to suit your needs.
With attractive interest rates linked to the Repo Rate, flexible repayment tenures up to 30 years, and simple documentation, CUB ensures a smooth borrowing experience. The bank’s Affordable, Prime, and Premium Home Loan schemes cater to different budgets, while women borrowers enjoy special interest concessions and transparent, customer-friendly terms.
City Union Bank Home Loan Highlights
City Union Bank home loans are designed to make housing finance accessible, flexible, and transparent.
| Feature | Details |
| Loan Purpose | Purchase, construction, renovation, and loan against property |
| Maximum Tenure | Up to 30 years (360 months) |
| Interest Rate Type | Floating (linked to EBLR / Repo Rate) |
| Processing Fee | Low and transparent |
| Special Benefits | Interest concession for women borrowers |
| Additional Facility | Overdraft facility available |
City Union Bank Home Loan Interest Rates
City Union Bank home loan interest rates are linked to the External Benchmark Lending Rate (EBLR), which is directly tied to the RBI Repo Rate. As on 15.12.2025, EBLR stands at 8.60% p.a. (Repo Rate: 5.25%)
| Loan Scheme | Interest Rate Components (Repo + Margin + BRP + CRP) | Min Rate (%) | Max Rate (%) |
| Affordable Housing Loan | 5.25 + 3.75 + 0.25 + (0.10–5.50) | 9.35% | 14.75% |
| Prime Home Loan | 5.25 + 3.65 + 0.15 + 0.10 | 9.15% | 13.05% |
| Loan Against Property (LAP) | 5.25 + 3.75 + 0.25 + (0.10–5.50) | 9.35% | 14.75% |
| Small & Micro LAP | 5.25 + 4.15 + 0.35 + (0.10–6.50) | 9.85% | 16.25% |
BRP = Business Risk Premium | CRP = Credit Risk Premium
| Factors Influencing City Union Bank (CUB) Home Loan Interest Rate
The interest rate on a City Union Bank Home Loan is determined by a combination of regulatory benchmarks, borrower profile, and internal risk assessment parameters. Below are the key factors that influence the final interest rate offered to applicants:
This transparent EBLR-linked structure ensures borrowers benefit quickly from RBI repo rate cuts, while rates remain aligned with individual credit risk. |
Also Read: Impact of Repo rate Cut on Home Loan
City Union Bank Home Loan Processing Fee & Charges
City Union Bank follows a transparent fee structure with no hidden charges.
| Type of Charge | Details |
| Processing Fee | Low processing fees are applicable |
| Prepayment (Floating Rate) | Nil (including takeover cases) |
| Prepayment (Fixed Rate) | Nil if repaid from own sources |
| Hidden Charges | None |
Compare City Union Bank Home Loan Interest Rates with Top Lenders
Below is a comparison of City Union Bank Home Loan interest rates with other leading banks in India.
| Bank / NBFC | Interest Rate (p.a.) |
| City Union Bank Home Loan | 9.15%* onwards |
| ICICI Bank Home Loan | 7.65%* onwards |
| State Bank of India Home Loan | 7.50%* onwards |
| Bank of Baroda Home Loan | 7.45%* onwards |
| Union Bank of India Home Loan | 7.45%* onwards |
| Axis Bank Home Loan | 8.35%* onwards |
| Kotak Mahindra Bank Home Loan | 7.70%* onwards |
| Federal Bank Home Loan | 8.75%* onwards |
| IDFC First Bank Home Loan | 8.85%* onwards |
| Standard Chartered Home Loan | 7.99%* onwards |
Note: Interest rates are indicative and subject to change based on borrower profile and market conditions.
City Union Bank Home Loan Eligibility
To qualify for a City Union Bank Home Loan, applicants must meet the following criteria:
- Salaried Individuals
- Minimum age: 21 years
- Maximum age: 60 years/ retirement age
- Minimum net monthly income: ₹20,000
- Self-Employed / Professionals
- Minimum age: 23 years
- Maximum age at maturity: 65 years (up to 70 years if next generation income is included)
- Minimum annual cash profit: ₹2.40 lakh
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Documents Required for City Union Bank Home Loan
Applicants need to submit standard KYC, income, and property documents.
General Documents
- Duly filled application form with a photograph
- PAN, Aadhaar, and address proof
- Email ID and signature proof
Income Documents
- Salaried: Salary slips, bank statements
- Self-employed: ITR, financial statements
Property Documents
- Sale agreement / Sale deed / Allotment letter
- Chain of title deeds
- Approved building plan and permissions
- Valuation report from approved valuer
Types of City Union Bank Home Loans
property values, and financial needs. These loan types are structured with flexible tenures, repo-linked interest rates, and customer-friendly features.
Overview of City Union Bank Home Loan Types
| Home Loan Type | Loan Amount Range | Maximum Tenure |
| Affordable Home Loan | ₹10 lakh – ₹35 lakh | Up to 240 months |
| Prime Home Loan | ₹30 lakh – ₹75 lakh | Up to 360 months |
| Premium Home Loan | Above ₹75 lakh | As per bank norms |
| Loan Against Property (LAP) | Based on property value | Up to 15 years |
| Small & Micro LAP | Lower-value properties | As per the scheme |
1. Affordable Home Loan
The Affordable Home Loan is designed for first-time homebuyers and middle-income groups looking to purchase or construct a modest residential property.
Key Features:
- Suitable for the purchase or construction of residential houses
- Maximum tenure of 240 months
- If the applicant is above 40 years of age, tenure is limited to 180 months
- Competitive interest rates linked to EBLR
2. Prime Home Loan
Prime Home Loan is ideal for borrowers planning to purchase or construct mid- to high-value residential properties.
Key Features:
- Loan amount ranging from ₹30 lakh to ₹75 lakh
- Long repayment tenure of up to 30 years (360 months)
- Lower EMIs due to extended tenure
- Repo-linked floating interest rates
3. Premium Home Loan
Premium Home Loan caters to customers seeking finance for high-value or luxury residential properties.
Key Features:
- Loan amount above ₹75 lakh
- Customized pricing based on borrower profile
- Flexible repayment structure
- Personalised service support
4. Loan Against Property (LAP)
Loan Against Property allows borrowers to mortgage an existing residential or commercial property to raise funds.
Key Features:
- Can be used for personal, business, or professional needs
- Interest rates are lower than those for unsecured loans
- Tenure is generally up to 15 years
- Available for both salaried and self-employed borrowers
City Union Bank Home Loan EMI Calculator
The EMI calculator helps borrowers estimate monthly repayment obligations.
Steps to Use
- Visit City Union Bank’s official website
- Navigate to the Home Loan EMI Calculator
- Enter loan amount, interest rate, and tenure
- View EMI and total interest instantly
Also Check: Home Loan EMI Calculator
Apply for City Union Bank Home Loan
Applying for a home loan with City Union Bank is simple and customer-friendly, with both online lead-based application and branch assistance available.
Steps to Apply
- Visit the Official Website
Go to the City Union Bank website and click on “Apply Now” under the Home Loan section. - Submit Basic Details
Enter your name, mobile number, employment type, and pincode to generate a lead. - Choose Home Loan Type
Select the suitable loan option, such as Affordable, Prime, or Premium Home Loan. - Eligibility Check & Callback
A CUB representative contacts you to assess eligibility and explain the loan terms. - Submit Documents
Provide KYC, income, and property documents online or at the nearest branch. - Verification & Sanction
The bank conducts credit appraisal, legal, and technical verification before issuing the loan sanction. - Disbursement
Once all formalities are completed, the loan amount is disbursed as per the construction or purchase stage.
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Track City Union Bank Home Loan Application Status
Applicants who have applied for a home loan with City Union Bank can conveniently track the status of their application through the bank’s support and digital channels.
Steps to Track Application Status
- Use the Virtual Assistant
Visit the official CUB website and ask “Lakshmi”, the bank’s virtual assistant, for updates on your home loan application.
- Contact Customer Care
Call the 24/7 customer care number and provide your registered mobile number or application details to know the current status.
- Grievance / Query Tracking
If you have raised a request or complaint, use the “Status of Complaint” option on the website to track progress.
City Union Bank Home Loan Customer Care
City Union Bank offers dedicated support for home loan customers.
| Channel | Contact Details |
| Customer Care (24/7) | 044 7122 5000 |
| customercare@cityunionbank.in | |
| Virtual Assistant | Lakshmi (Website chatbot) |
| Registered Office | 149, TSR Big Street, Kumbakonam – 612001 |
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