Baroda Home Loan Suraksha Personal Loan

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Baroda Home Suvidha Personal Loan

Baroda Home Suvidha Personal Loans

“Baroda Home Suvidha Personal Loan” for financing the miscellaneous costs related with the purchase of home like cost of insurances, registration costs, stamp duty, goods & service tax and club membership fee

Eligibility:

  • • Prospective borrowers for Baroda Home Loans including takeover
  • • Existing borrowers under Baroda Home Loan Scheme

Purpose:

Category - A

  • Group Credit Life Insurance premium (For the products offered by M/s Indiafirst Life Insurance Company Limited or any other insurance company having tie up with our Bank)
  • Group Credit Health Insurance premium (For the products offered by Max Bupa Health Insurance Co. Ltd. / Tata AIG General Insurance Co. or any other insurance company having tie up with our Bank)
  • Property insurance premium (From Tata AIG General Insurance Co. Ltd., Cholamandalam MS General Insurance Company & National Insurance Company Limited or any other insurance company having tie up with our Bank)

Category – B

  • Stamp Duty & Registration charges at the time of purchase of residential property
  • Goods & Service Tax (if applicable)
  • Club Membership Charges (only at the time of purchase of house)

The reimbursement is allowed only within -12- months from the date of payment of such cost and end use must be ensured in respect of all the above finance

Margin:

Category – A

Nil i.e. 100% finance can be availed by the applicants against category A expenses

Category - B

25% Margin on the eligible costs i.e. 75% finance can be availed by the applicants against category B expenses

Repayment Period:

In case of fresh/ takeover of linked Home Loans

Maximum repayment period to be allowed in the same line as applicable for Home Loan sanctioned/ proposed to the borrower.

In case of existing linked Home Loans

Maximum repayment period allowed will be the residual period of existing Home Loan to the borrower.

Rate of Interest:

ROI Linked with Bureau Score Home Loan

ROI not Linked with Bureau Score

BRLLR +1.00% (As per Risk Rating of the applicant/s.)

Applicable ROI on Home Loan + 0.25%

*Reset Clause:-

  • Rate of interest on Baroda Home Suvidha Personal Loan is to be reset every year based on reset of spread on linked Home Loan. (This will be applicable where pricing of Home Loan is linked with Bureau score).

Security:

Amount of Baroda Home Suvidha Personal Loan

Condition of Mortgage

Category A

Undertaking to create extension of mortgage to be obtained

Category B

Extension of mortgage to be created

Unified Processing Charges: Nil (Stamp paper charges/ notary charges or any other out of pocket expenses will be borne by the applicants)

For Home Loan Inquire

Call for any kind of support and reports us for loss or theft.

Toll free (24x7)

1800 220 400

Contact Centres

1800 258 44 55 , 1800 102 4455 (24x7)

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  • Total Interest
  • Total Amount
Monthly Payment Rs. 1,977.00

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