Home Equity Loan (Non-Home Loan)
Our Home Equity Loan helps you unlock the value of your property to meet your bigger financial goals with confidence. You can use the loan to consolidate debts, refinance a home you’ve built or purchased, or fund requirements involving mixed usage and mixed-type properties.
Enjoy a simple, flexible and reliable solution that gives you access to substantial funds while keeping your long-term plans on track.
Home Loan EMI Calculator
Calculate your EMI and plan your repayments better with our home loan EMI Calculator.
Break-up of Total Payment
Monthly Loan EMI
Principal
Total Interest
Total Payment
(Principal + Interest)
Disclaimer: The data generated herein is completely and solely based on the information/details provided by you and such information and the resultant data is provided only for user's convenience and information purposes. Ujjivan Small Finance Bank does not guarantee accuracy, completeness or correct sequence of any details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness accuracy. The use of any information set out is entirely at the User’s own risk. User should exercise due care and caution, including if necessary, obtaining of advice of legal, tax, accounting, financial and/or other professionals prior to taking any decision.
Why Choose Our Home Equity Loan?
Home Equity Loan Interest Rate & Charges
| Charge Type | Details |
| Interest Rate | Starting from 10.75%* p.a. |
| Tenure | 39 months to 180 months |
| Processing Fee | ₹3,350 + GST (Non-refundable) |
| CLADUM Charges | 2.0% of loan amount + GST |
| CERSAI Registration | ₹50 + GST (≤ ₹5 lakh) / ₹100 + GST (> ₹5 lakh) |
| Insurance | Property insurance applicable |
| Stamp Duty | As per State / UT regulations |
To know more about interest rates, click here
To know more about fees & charges, click here
Eligibility & Documents Required
For more details on the eligibility criteria and the required documents, please call our toll-free number 1800 208 2121 or write to us at customercare[at]ujjivan[dot]com.
*T&C apply
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FAQ
1. What is a Home Equity Loan?
A Home Equity Loan is a secured loan that allows you to mortgage your house and borrow money. The loan amount is commonly used for debt consolidation, business expansion, medical expenses, education or any personal requirement.
2. How much Home Equity Loan amount can I get?
Based on your eligibility, you can get a Home Equity Loan ranging from ₹5 lakh to ₹75 lakh.
3. What is the repayment tenure of Home Equity Loan?
We offer flexible repayment options ranging from 39 months to 180 months (15 years).
4. What is the processing fee for Home Equity Loan?
Charges include a processing fee of ₹3,350 + applicable GST.
5. Do I need to own property to apply for a Home Equity Loan?
Yes. To avail Home Equity Loan, you must own a property, which will be used as collateral.
6. How do I apply for a Home Equity Loan?
Click Apply Now and fill out the form or visit your nearest Ujjivan SFB branch.
