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Union Bank Of India Home Loan vs HDFC Bank Home Loan Home Loan Comparison | Ambak

Compare Union Bank Of India Home Loan vs HDFC Bank Home Loan home loan offers side by side — including interest rates, EMI per lakh, processing fees, and LTV ratio. Make a smarter borrowing decision with Ambak's free comparison tool.
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Which banks saves you more?

Choosing the right bank isn’t just about the lowest interest rate but the total cost of your loan. Small differences in rates, fees, and charges can significantly impact your overall savings. The best choice is the bank that offers the highest value based on your profile, not just the lowest rate.
Ambak Recommended
Union bank of India
Union bank of India
Home Loan
HDFC Bank
HDFC Bank
Home Loan
vs
Home loan comparison between Union bank of India and HDFC Bank
MetricUnion bank of IndiaHDFC Bank
Interest Rate
7.1% – 10%
7.2% – 9.5%
Interest Rate
7.1% – 10%
7.2% – 9.5%
Processing Fee
Rs. 15,000 + GST
0.25% of loan amt. + GST (incld. Login Fee)
Processing Fee
Rs. 15,000 + GST
0.25% of loan amt. + GST (incld. Login Fee)
Max LTV
Up to 90%
Up to 90%
Max LTV
Up to 90%
Up to 90%
Max Loan Amount
₹3000000 Cr
₹3000000 Cr
Max Loan Amount
₹3000000 Cr
₹3000000 Cr
Min Loan Amount
₹5000 Cr
₹5000 Cr
Min Loan Amount
₹5000 Cr
₹5000 Cr
EMI per Lakh
₹782
₹788
EMI per Lakh
₹782
₹788

Why Choose Union bank of India Home Loan

When evaluating a Union bank of India home loan, weigh interest rates alongside processing fees, LTV limits and EMI flexibility. Our comparison tool puts every figure side-by-side so you can decide in minutes — not hours. Ambak aggregates live rates from 30+ RBI-regulated lenders, updated multiple times a day. We show the real rate you qualify for — not a marketing rate. Advisors can also walk you through balance-transfer math, step-up EMI options, and top-up eligibility so you never leave money on the table.

  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

Why Choose HDFC Bank Home Loan

When evaluating a HDFC Bank home loan, weigh interest rates alongside processing fees, LTV limits and EMI flexibility. Our comparison tool puts every figure side-by-side so you can decide in minutes — not hours. Ambak aggregates live rates from 30+ RBI-regulated lenders, updated multiple times a day. We show the real rate you qualify for — not a marketing rate. Advisors can also walk you through balance-transfer math, step-up EMI options, and top-up eligibility so you never leave money on the table.

  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

EMI Calculate Union bank of India vs HDFC Bank

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
Union bank of India
Union bank of India
7.1%
EMI
₹ 78,131
Interest
₹ 87,51,440
Total
₹ 1,87,51,440
Your Total Savings
₹ 1,44,960
HDFC Bank
HDFC Bank
7.2%
EMI
₹ 78,735
Interest
₹ 87,51,440
Total
₹ 1,88,96,400

Union bank of India Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.1% — that's cheaper than HDFC Bank's 7.2%
  • •You pay only ₹782/lakh per month — ₹6 less than HDFC Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

HDFC Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 0.25% of loan amt. + GST (incld. Login Fee)
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 7.2% is slightly higher than Union bank of India's 7.1%
  • •Monthly EMI of ₹788/lakh is ₹6 more than Union bank of India
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

Compare Union bank of India with other banks

Compare HDFC Bank with other banks

Union bank of India Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.1% — that's cheaper than HDFC Bank's 7.2%
  • •You pay only ₹782/lakh per month — ₹6 less than HDFC Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

HDFC Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 0.25% of loan amt. + GST (incld. Login Fee)
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 7.2% is slightly higher than Union bank of India's 7.1%
  • •Monthly EMI of ₹788/lakh is ₹6 more than Union bank of India
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

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