बड़ौदा मोर्गेज ऋण

व्‍यक्तियों के लिए विशेषताएं

• निवासी व्‍यक्ति तथा एनआरआई मॉर्टेज ऋण के लिए पात्र है.
• 180 माह तक की लंबी ऋण अवधि
• इसकी न्‍यूनतम ऋण सीमा रु. 2.00 लाख है
• महानगरों में अधिकतम ऋण सीमा रु. 10.00 करोड़ है
• मॉर्टेज लोन ऋण व ओवरड्राफ्ट के तौर पर उपलब्‍ध है. केवल एनआरआई को ऋण स्‍वीकृत किया जाएगा.
• आवासीय तथा वाणिज्यिक संपत्ति के एवज में ऋण सुविधा लाभ उठाया जा सकता है.

गैर व्‍यक्तियों को मोर्टगेज ऋण -विशेषताएं

• स्‍वामित्‍व फर्म, भागीदारी फर्म, प्राइवेट लिमिटेड कंपनी और एलएलपी पात्र है.
• 180 माह तक की लंबी ऋण अवधि
• रु. 5.00 लाख की न्‍यूनतम ऋण सीमा
• रु. 10.00 करोड़ की अधिकतम ऋण सीमा (महानगरों में)
• आवासीय, वाणिज्यिक या औद्योगिक संपत्ति के एवज में ऋण लिया जा सकता है .

व्‍यक्तियों को मोर्टेज ऋण

गैर व्‍यक्तियों को मोर्टेज ऋण

दिनांक 20.06.2019 से प्रभावी सेवा प्रभार (जीएसटी छोड़कर) :

TL: 1%

*Minimum: Rs 8,500/- (Upfront) per property

*Maximum: Rs 1,50,000/-

OD:

Upto Rs 3.00 Crores: 0.35%

*Minimum: Rs 8,500/- (Upfront) per property

*Maximum: Rs 75,000/-

Above Rs 3.00 Crores: 0.25%

* Minimum: Rs 8,500/- (Upfront) per property

*Maximum: No Limit

आवेदक / कों द्वारा प्रस्‍तुत किए जाने वाले दस्‍तावेजों की सूची

व्‍यक्तियों के मामले में

• आवेदक / गारंटर द्वारा विधिवत भरा हुआ तथा हस्‍ताक्षरित आवेदन फॉर्म

(अलग से फॉर्म नं 135 की आवश्‍यकता नहीं है )

• आवेदक / सह-आवेदक / गारंटीकर्ता के दो पासपोर्ट आकार के फोटोग्राफ
• विगत 6 माह का बैंक खाता विवरणी
• वैयक्तिक पहचान प्रमाण (कोई एक)
  1. वर्तमान नियोक्‍ता द्वारा जारी फोटो पहचान कार्ड
  2. मतदाता पहचान पत्र
  3. पासपोर्ट
  4. ड्राइविंग लाइसेंस
  5. पैन कार्ड
  6. आधार कार्ड
• आवासीय पते का प्रमाण (कोई एक)
  1. बिजली का बिल
  2. टेलीफोन बिल (लैण्‍ड लाइन)
  3. मतदाता पहचान पत्र
  4. पासपोर्ट
• वेतनभोगी वर्ग के लिए :
  1. नियोक्ता द्वारा विधिवत सत्यापित एवं आवेदक द्वारा प्रतिहस्ताक्षरित विगत 3 माह का ब्रेक अप सहित अद्यतन वेतन पर्ची .
  2. विगत 3 वर्षों के लिए फॉर्म नं 16 सहित आय कर रिटर्न
• किसानों के लिए :
  1. समुचित प्राधिकारी जैसे तहसीलदार / एसडीओ / बीडीओ आदि द्वारा जारी आय प्रमाण पत्र
• अन्‍य के लिए :
  1. आयकर अधिकारियों द्वारा विधिवत स्वीकृत विगत 3 वर्षों का आयकर रिटर्न .
• स्‍व-नियोजित/ पेशेवरों के लिए :
  1. विगत तीन वर्षों के व्यक्तिगत आयकर रिटर्न की प्रतियों के साथ चार्टर्ड अकाउंटेंट द्वारा प्रमाणित कारोबार / व्‍यवसाय के बैलेंस शीट और लाभ व हानि खाते
  2. कारोबार / व्यवसाय का स्वरूप, संगठन का प्रारूप, ग्राहकों, आपूर्तिकर्ताओं आदि से संबंधित सूचनापरक नोट

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गैर – व्‍यक्तियों के मामले में

• निदेशक मंडल का प्रस्‍ताव (कंपनी के मामले में)
• नवीनतम -3- वर्ष का लेखा परीक्षित तुलन पत्र और लाभ और हानि खाता
• हमारे बैंक / अन्य बैंकों के साथ मौजूदा बैंकिंग संबंधों का विवरण
• अन्य बैंकों के साथ ऋण / ओवरड्राफ्ट सुविधा (एफबी और एनएफबी) विवरण, यदि कोई हो
• भागीदारों / निदेशकों / स्‍वामियों आदि की व्यक्तिगत आय कर रिटर्न
• कारोबार का स्थान / कारोबार का स्वरूप/ गतिविधि की रुप रेखा आदि
• सहयोगी संगठनों का विवरण

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एनआरआई के मामले में :

• नियोजन अनुबंध की प्रतिलिपि (यदि अनुबंध अंग्रेजी के अलावा किसी अन्य भाषा में है, तो इसका अंग्रेजी भाषा में अनुवाद कराना चाहिए तथा नियोक्ता / भारतीय दूतावास द्वारा सत्यापित किया जाना चाहिए) .
• वेतनभोगियों के लिए :
  1. विगत 6 माह के लिए नवीनतम वेतन पर्ची की प्रमाणित प्रति
• स्‍व-नियोजित / पेशेवरों के लिए :
  1. विगत तीन वर्षों के लिए व्यक्तिगत आयकर रिटर्न की प्रतियों के साथ चार्टर्ड अकाउंटेंट द्वारा प्रमाणित कारोबार / व्‍यवसाय के बैलेंस शीट और लाभ व हानि खाते
  2. कारोबार / व्यवसाय का स्वरूप, संगठन का प्रारूप, ग्राहकों, आपूर्तिकर्ताओं आदि से संबंधित सूचनापरक नोट
• वर्तमान नियोक्‍ता द्वारा जारी पहचान पत्र की प्रति
• अद्यतन वर्क परमिट की प्रति
• पासपोर्ट पर स्‍टैम्‍प की गई विसा की प्रति
• एनआरई बैंक खाता का पासबुक अथवा खाते की विवरणी
• विगत 6 माह का ओवरसीज बैंक खाता विवरण
• शैक्षिक योग्यता, आयु, नौकरी का अनुभव, व्‍यवसाय / कारोबार के स्वरूप आदि को दर्शाते हुए आवश्यक प्रमाण सहित बायो-डाटा
• नेटवर्थ प्रमाण/आय प्रमाण सहित गारंटर फॉर्म
• यथासंभव, मासिक किस्त के प्रेषण के लिए नियोक्ता से घोषणापत्र, यदि स्‍वीकृति में दर्शाया गया हो.
• हमारे विदेशी कार्यालय (अनुषंगी कार्यालय सहित) द्वारा विधिवत रूप से सत्यापित या देश में उपलब्ध सक्षम प्राधिकारी द्वारा प्रमाणित वेतन प्रमाण पत्र / आय विवरण का प्रदान किया जाए. इसमें चार्टर्ड / सर्टिफायड लेखाकार, अंतर्देशीय राजस्व विभाग के अधिकारी (भारत में आयकर प्राधिकारियों के समान) या इस प्रयोजन से विनिर्दिष्ट कोई अन्य एजेंसी द्वारा भी प्रमाणन हो सकता हैं. यदि इसका सत्यापन संभव नहीं हो, इसे विधिवत नोटरीकृत कर प्रस्तुत किया जाए.

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संपत्ति संबंधित दस्‍तावेज :

• टाइटल डीड के सभी दस्‍तावेजों सहित मोर्टेज के लिए प्रस्‍तुत संपत्ति के टाइटल डीड की मूल प्रति
• नवीनतम रखरखाव, जल कर, नगर निगम कर और इस तरह के किसी भी अन्य करों के भुगतान की रसीद /
• सहकारी समिति (को-ऑप सोसाइटी) से भार-मुक्ति प्रमाणपत्र (जहां भी लागू हो)
• सोसाइटी / विकास प्राधिकरणों से साम्यिक बंधक सृजित करने की अनुमति (जहां भी लागू हो)
• सोसायटी से इस आशय की पुष्टि कि सोसायटी के रिकॉर्ड पर बैंक के ग्रहणाधिकार को नोट किया गया है. (जहां भी लागू हो)
• कानूनी राय / टाइटल क्लियरंस रिपोर्ट में बैंक के पैनल में शामिल सूचीबद्ध वकील द्वारा विनिर्दिष्ट कोई अन्य दस्तावेज.

Individuals

• Eligibility:-
• Individuals: - Salaried Employees/ Professional, Self Employed & Others who are income tax assesses for a minimum of last 3 years.
• Age:
  1. Minimum: 21 years
  2. Maximum: 60 years
• Purpose :-
  1. For any purpose except for financial speculation of any nature.
  2. Proposals from persons engaged in Real Estate Developments, Property Dealers /Brokers, Share / Stock Brokers and persons engaged in any Speculative activity shall not be considered.
• Type of facility:-
  1. Term Loan / Demand Loan
  2. Overdraft
• Margin: - 40% on Realizable Value of immovable properties.
• Security :-
  1. Mortgage of Immovable Properties:
  2. Residential Property (House / Flat)
  3. Commercial property (Building / Land & Building)
  4. Plot of Land (not agricultural land)
• Limit :-  
  1. Minimum: Rs.2.00 Lacs
  2. Maximum: (For all category of borrowers):
     1. Metro branches : Rs.10.00 Crores
     2. Urban branches : Rs.5.00 Crores
     3. Semi Urban branches : Rs.3.00 Crores
     4. Rural branches : Rs.25 Lacs
• Repayment Period :-
  1. Term Loan : -180- months
  2. Overdraft : -12- months; subject to annual review
• Repayment Capacity :-

  For All category of borrowers:

  1. GMI up to Rs.75,000/-    : 50%
  2. GMI above Rs.75,000/- to Rs.3.00 Lacs : 60%
  3. GMI above Rs.3.00 Lacs : 70%
• Unified Processing Charges :-

  Bank has revised the unified processing charges and modified method of recovering processing charges as under:

  1. The unified processing charges will include:
     1. Processing Charges
     2. Documentation Charges
     3. Document Verification/vetting charges
     4. Pre-sanction Inspection (Contact Point Verification-CPV) charges
     5. One time post inspection charges
     6. Advocate charges for legal opinion
     7. Valuer charges for valuation
     8. Bureau report charges
     9. CERSAI charges
     10. ITR verification charges
  2. For Mortgage Loans, certain minimum amount of processing charges will be recovered upfront. Balance amount of processing charges will be recovered at the time of conveying sanction of the loan.
  3. Further, stamp duty payable on various loan documents/agreements as well as for equitable mortgage shall be recovered separately on actual basis.

The revised unified processing charges for Mortgage Loans is as under:

• TL:
  1. 1%  Minimum: Rs.8,500/- (Upfront) per property Maximum: Rs.1,50,000/-  
• OD: 
  1. Upto Rs.3.00 Crores: 0.35% Minimum: Rs.8,500/- (Upfront) per property Maximum: Rs.75,000/- 
  2. Above Rs.3.00 Crores: 0.25% Minimum: Rs.8,500/- (Upfront) per property Maximum: No Limit
• Review Charges:
  1. No charges on Review in case of Term Loan / Demand Loan accounts.
  2. In case of Overdraft accounts, the processing charges as mentioned above to be recovered
  3. For Overdrafts accounts, processing charges are on per annum basis, i.e.  if  a  proposal  is  reviewed  after  six  months  from  the  due  date  for  a  further  period  of  12  months,  processing  charges  are  to  be  levied  for  18  months.
  4. In case of review with enhancement, the review charges to be taken for entire amount of limit including enhanced portion.
  5. However, if the enhancement is before the due date of next review, processing charges to be taken for the proportionate period for the existing limit and full processing charges to be taken for the enhanced portion.

Eg: Sanctioned/ last reviewed on : 01.01.2016 for Rs.50 Lacs

Enhancement to Rs.60 Lacs on     : 30.06.2016

Processing Charges to be calculated as under:

For Rs. 50 Lacs: Proportionate charges for 6 months

For Rs.10 Lacs : Full processing charges

** The above upfront charges considered as if only one property is offered as security. If two or more properties are offered as security, Rs.8,500/- per additional property would be applicable as upfront charges in addition to minimum upfront charges as mentioned above (subject to overall stipulated maximum processing charges).

• Inspection : Bank will have the right to inspect the borrower’s property at all times and from 2nd post sanction Inspection onwards Rs.100 plus GST per inspection to be charged from borrower.
• Legal opinion & Valuation charges: -
  1. Title of the property proposed to be purchased is to be clear, absolutely unencumbered and marketable to the satisfaction of the Bank’s solicitor/ advocate. Title verification and Valuation of the property will be done by the empanelled advocate/ Valuer of the Bank.
  2. 2 valuation reports to be obtained in case of Limit above Rs.2.00 Crore or having value of single immovable property above Rs. 5.00 Crores. The lower of the -2- valuations to be considered while calculating the limit.
• Other Expenses:
  1. like stamp duty for execution of documents, registration charges varying from State to State and other related charges/ expenses for the loan shall be borne by the Borrower.
  2. Insurance of the property taken as security as per the valuation report for full value excluding cost of land. The charges to be borne by borrower/s.
• Credit Information Report: Bank is authorized to make enquiries from any of the Credit Information Bureau and get the Credit Information Reports. Bank is also authorized to disclose from time to time any information relating to the loan to any Credit Bureau approved by Govt of India or Reserve Bank of India without any notice to the borrower. 
• Commitment Charges: In case of quarterly average utilization of sanction limit is less than 60% of the sanction limit, commitment charges to be levied @ 0.50% p.a. of entire unutilized portion on quarterly basis and no commitment charges in case quarterly average utilization is 60% or more.

Non-Individuals

• Target Group:
  1. Non-Individuals (Proprietorship/ Partnership/ Private Limited Companies/ LLPs)
• Purpose:
  1. For any purpose except for financial speculation of any nature (Persons engaged in Property development/ property dealings/ brokers, share/stock brokers and persons engaged in any speculative activity NOT ELIGIBLE UNDER THE SCHEME).
• Eligibility:-
  1. Non-Individual entities like Proprietorship/ Partnership/ Private Limited Companies/ Limited Liability Partnership established in the line of activity for a minimum period of 3 years.
  2. Minimum turnover in the account (as per Last Audited Balance sheet) should be minimum Rs. 1 crore.
  3. The firm/company should be making profit (cash profit) for the last 3 years.
  4. HUF / TRUST/SOCIETY/PUBLIC LIMITED COMPANY ARE NOT ELIGIBLE UNDER THE SCHEME.
• Type of facility :-
  1. Term Loan / Demand Loan
• Margin :
  1. 40% on Realizable Value of immovable properties.
• Security :-

  Mortgage of Immovable Properties:

  1. Residential Property (House / Flat)
  2. Commercial property (Building / Land & Building)
  3. Industrial property (subject to availability of necessary approval for creation of E.M. from the respective authorities)
  4. Plot of Land (not agricultural land)
• Limit :-
  1. Minimum: Rs.5.00 Lacs
  2. Maximum: (For all category of borrowers):
     1. Metro branches : Rs.10.00 Crores
     2. Urban branches : Rs.5.00 Crores
     3. Semi Urban branches : Rs.3.00 Crores
     4. Rural branches : Rs.25 Lacs
• Repayment Period :-
  1. Term Loan : -180- months
• Repayment Capacity:
  1. GMI upto Rs. 75000/- : 50%
  2. GMI above 75000 and upto Rs.3/- lacs : 60%
  3. GMI above Rs. 3/- lacs : 70%
• Unified Processing Charges :-

  Bank has revised the unified processing charges and modified method of recovering processing charges as under:

  1. The unified processing charges will include:
     1. Processing Charges
     2. Documentation Charges
     3. Document Verification/vetting charges
     4. Pre-sanction Inspection (Contact Point Verification-CPV) charges
     5. One time post inspection charges
     6.  Advocate charges for legal opinion
     7.  Valuer charges for valuation
     8. Bureau report charges
     9. CERSAI charges
     10. ITR verification charges
  2. For Mortgage Loans, certain minimum amount of processing charges will be recovered upfront. Balance amount of processing charges will be recovered at the time of conveying sanction of the loan.
  3. Further, stamp duty payable on various loan documents/agreements as well as for equitable mortgage shall be recovered separately on actual basis.
• The revised unified processing charges for Mortgage Loans is as under:
  1. TL: 1%  Minimum: Rs.8,500/- (Upfront) per property Maximum: Rs.1,50,000/-  
• Review Charges:
  1. No charges on Review in case of Term Loan / Demand Loan accounts.
  2. For review of existing Overdraft Accounts:
     1. Upto Rs.3.00 Crores: 0.35%

        Minimum: Rs.8,500/- (Upfront) per property **. Balance amount of processing charges will be recovered at the time of conveying sanction

        Maximum: Rs.75,000/-

     2. Above Rs.3.00 Crores: 0.25%

        Minimum: Rs.8,500/- (Upfront) per property **. Balance amount of processing charges will be recovered at the time of conveying sanction

        Maximum: No Limit

  3. ** The above upfront charges considered as if only one property is offered as security. If two or more properties are offered as security, Rs.8,500/- per additional property would be applicable as upfront charges in addition to minimum upfront charges as mentioned above (subject to overall stipulated maximum processing charges).
  4. For Overdrafts accounts, processing charges are on per annum basis, i.e. if a proposal is reviewed after six months from the due date for a further period of 12 months, processing charges are to be levied for 18 months.
  5. In case of review with enhancement, the review charges to be taken for entire amount of limit including enhanced portion.
  6. However, if the enhancement is before the due date of next review, processing charges to be taken for the proportionate period for the existing limit and full processing charges to be taken for the enhanced portion
• Inspection: Bank will have the right to inspect the borrower’s property at all times and from 2nd post sanction Inspection onwards Rs. 100 plus GST per inspection to be charged from borrower.
• Legal opinion & Valuation charges : -
  1. Title of the property proposed to be purchased is to be clear, absolutely unencumbered and marketable to the satisfaction of the Bank’s solicitor/ advocate. Title verification and Valuation of the property will be done by the empanelled advocate/ Valuer of the Bank.
  2. 2 valuation reports to be obtained in case of Limit above Rs.2.00 Crore or single immovable property above Rs. 5.00 Crores. The lower of the -2- valuations to be considered while calculating the limit.
  3. Where the value of the property is Rs.5/- Crore or above, a Notice may be published in one of the local newspapers (through our advocate) where the property is situates, calling for objections, if any, in accepting such property or mortgage.
• Pre-Payment Charges:
  1. Prepayment within -12- months after initial sanction : 2% **
  2. Prepayment after -12- months after initial sanction : Nil

** Term Loan: Prepayment charges to be calculated based on scheduled amortization balance or outstanding balance, whichever is higher.

• Commitment Charges:
  1. In case of quarterly average utilization of sanction limit is less than 60% of the sanction limit, commitment charges to be levied @ 0.50% p.a. of entire unutilized portion on quarterly basis and no commitment charges in case quarterly average utilization is 60% or more.
• Penal Interest:
  1. 2% p.a. on overdue amount.
• Insurance:
  1. Insurance of the property taken as security as per the valuation report for full value excluding cost of land. The charges to be borne by borrower/s.
• Other Expenses: - like stamp duty for execution of documents, registration charges varying from State to State and other related charges/ expenses for the loan shall be borne by the Borrower.
• Insurance of the property taken as security as per the valuation report for full value excluding cost of land. The charges to be borne by borrower/s.
• Credit Information Report: Bank is authorized to make enquiries from any of the Credit Information Bureau and get the Credit Information Reports. Bank is also authorized to disclose from time to time any information relating to the loan to any Credit Bureau approved by Govt. of India or Reserve Bank of India without any notice to the borrower.