Home / Housing Loan

Fulfill your dream of owning a home with affordable and customer-friendly Housing Loan solutions offered by The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd. We provide flexible repayment options, attractive interest rates, and quick processing for purchase, construction, renovation and extension of residential properties.

Finance Your Dream Home

The Bank offers Home / Housing Loans for purchase of house, flat, plot purchase, construction, home renovation, and extension requirements.

Our Housing Loan facility is designed to provide affordable financing solutions with easy EMIs and transparent loan processing.

Loan eligibility depends upon repayment capacity, income, property valuation and applicable banking norms.

Key Features & Benefits

Affordable Interest Rates

Competitive floating interest rates for convenient financing.

Flexible Loan Amount

Finance available for plot purchase, construction and house purchase.

Long Repayment Tenure

Flexible repayment period up to 180 months.

Easy Documentation

Simple and transparent documentation process.

Quick Processing

Fast verification and timely disbursement process.

Trusted Banking Support

Personalized customer assistance throughout the loan process.

Housing Loan Details

Loan Type	Loan Amount	Interest Rate	Repayment Period
House Purchase / Plot Purchase & New Construction	Up to ₹35 Lakhs	7.75%	180 Months
	Above ₹35 Lakhs	8.00%	180 Months
	Above ₹35 Lakhs To ₹100 Lakhs	8.25%	180 Months
Renovation / Repairs	Up to ₹5 Lakhs	10.00%	60 Months
Top-up Loan Against Housing Property	Up to ₹25 Lakhs	8.75%	180 Months
	Above ₹25 Lakhs To ₹70 Lakhs	9.25%	180 Months

Eligibility Criteria

Major owner of the property must be the borrower lady or her spouse.
Income of co-borrower/family member can be clubbed.
Loan eligibility depends upon repayment capacity and annual income.
Property valuation by Bank-approved valuer is mandatory.
Legal verification and documentation are compulsory.

General Conditions

Two references who know the borrower are mandatory.
Maximum limit recommendation is restricted up to 90% realizable value of plot as per DLC Rate / Registry Value or realizable value and estimated construction value along with other eligible criteria.
Maximum loan is restricted to 400% of annual income of both eligible incomes and also depends on the term of loan.
Loan disbursement shall be made stage-wise:

1. Plot Purchase – 75% of Registry / DLC Value whichever is lower
2. DPC – 10% of Registry / DLC Value whichever is lower
3. Lintel – 20% of remaining sanctioned amount
4. Slab Casting – 30% of remaining sanctioned amount
5. Flooring – 20% of remaining sanctioned amount
Remaining loan amount shall be disbursed after completion of finishing work.
One borrower can avail maximum two Housing Loans (₹70 Lakhs × 2) at a time.

Documents Required

Identity Proof

Aadhaar Card, PAN Card, Voter ID, Passport etc.

Address Proof

Aadhaar Card, Utility Bill, Passport etc.

Income Proof

Salary Slip, ITR, Bank Statement, Business Proof etc.

Property Documents

Registry papers, approved map, title documents, estimate etc.

Important Information

Housing Loan sanction and disbursement are subject to eligibility, repayment capacity, legal verification, property valuation and applicable rules of The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd.