All types of Loans, by Bank of Baroda.


Super quick disbursals and attractive rates of interest.

Loans

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    • Home purchase
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Purpose
  • All
  • Home purchase
  • Loan against mortgage
  • Loan against security
  • Four wheeler
  • Loans Against FCNR Deposits

  • Baroda Car Loan for NRI/PIOs

    Salaried employees or businessmen can use this loan for purchase of new a car for their private use.

    • Higher amount of eligibility upto Rs.100 lakhs.
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  • Baroda CRE Home Loan for NRI/PIOs

    If an individual owns two or more houses, singly or jointly, then the exposure for the third house onwards/purchase of plot is to be considered under this scheme.

    • Rate of interest for Baroda CRE Home Loan for NRI/PIOs will be 0.25%.
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  • Baroda Home Improvement Loan for NRI/PIOs

    A loan for home improvement such as repairs, renovation, purchase of furniture, fixtures, other gadgets such as fans, geysers, air conditioners, water filters, air purifiers, heaters, desert coolers, etc.

    • Applicant should have minimum gross annual income equivalent to Rs. 5 lakhs per annum.
    • Tenure: 30 Years
  • Baroda Home Loan

    Home loan rates of Bank of Baroda is the best in the market without any differentiation in loan amount or tenure, salaried or self-employed, NRI.

    • Free Credit Card
    • Longer tenure upto 30 years.
  • Baroda Home Loan Advantage for NRI/PIOs

    The borrower shall deposit all his savings to the linked SB account to avail maximum benefit of interest in the Home Loan account.

    • Eligible for Non-Resident Indians (NRIs) holding Indian passport or Persons of Indian origin (PIOs) holding foreign passport or Overseas Citizens of India (OCI).
    • Zero rate of interest
    • Tenure: 30 Years
  • Loan Against FCNR (B) Deposits in Foreign Currency in India

    This plan is ideal for Non-Resident Indians seeking loans in Foreign Currency in India against their own FCNR (B) deposits.

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    • Margin will be 5% of present value of the deposit.
  • Loans Against FCNR (B) Deposits in Rupees

    A loan scheme used for personal purposes or for carrying on business activities except for the purpose of re-lending.

    • Rate of interest: MCLR plus 100 bps.
    • Also used to make direct investment in India on non-repatriation basis by way of contribution.
  • Baroda Top Up Loan for NRI/PIOs

    Baroda Top-Up Loan is an additional loan facility extended to home loan borrowers for any purpose except speculative/illegal purpose.

    • Granted against the security.
    • Can be used for any purpose excluding speculative or illegal.
  • Loans/Overdrafts Against Security of Non-Resident (Rupee) Fixed Deposits

    Avail of credit facilities by unlocking the hidden potential of your fixed deposits.

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    • The loans/overdrafts shall be in non-repatriable Indian Rupees.
  • Mortgage Loan

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    • Competitive rate of interest.
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Select Loans Type
  • Baroda Car Loan for NRI/PIOs
  • Baroda CRE Home Loan for NRI/PIOs
  • Baroda Home Improvement Loan for NRI/PIOs
  • Baroda Home Loan
  • Baroda Home Loan Advantage for NRI/PIOs
  • Loan Against FCNR (B) Deposits in Foreign Currency in India
  • Loans Against FCNR (B) Deposits in Rupees
  • Baroda Top Up Loan for NRI/PIOs
  • Loans/Overdrafts Against Security of Non-Resident (Rupee) Fixed Deposits
  • Mortgage Loan
  • Others

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Frequently Asked Questions (FAQs) about

  • Can I avail a home loan from Bank of Baroda?
    • Yes, you can avail a home loan from Bank of Baroda, if you plan to construct or purchase a house/flat or extend your existing house/flat and, you are:
    • A minimum of 21 years
    • Employed or self-employed with a regular income.
  • What is the average tenure of a home loan?

    We grant term up to a maximum of 30 years. The term for the loan will under no circumstances exceed the age of retirement or completion of 65 years of age, whichever is earlier.

  • Who can be co-applicant?

    The proposed owners of the residential accommodation as per the agreement for sale, in respect of which financial assistance is sought, must be co-applicants. Usually, joint applications are from husband-wife, father-son or mother-son, etc.

  • How much does Bank of Baroda lend?
    • Loan amount is determined on the basis of the repaying capacity of the applicant/s. Repaying capacity takes into consideration factors such as age, income, dependents, assets, liabilities, stability of occupation and continuity of income, savings, etc.
    • The maximum loan would be Rs.10 crores per unit to any individual applicant based on the area where the property is proposed to be constructed/purchased. We will extend a loan of up to 90% (for newly constructed houses/flat) of the cost of property under our Housing Loan Scheme.
  • For how long a period can I get the loan?

    We grant a term up to a maximum of 30 years. The term for the loan will under no circumstances exceed the age of retirement or completion of 65 years of age, whichever is earlier.

  • But can I prepay the loan ahead of schedule?

    Yes, you have the option to prepay the loan ahead of schedule either in parts or in full from your own sources.

  • What is the mode of repayment?
    • Equated Monthly Instalment (EMI): It means a uniform lumpsum amount, which includes repayment of a part of the principal amount and payment of interest, calculated on daily product basis.

    or

    • Fixing the monthly/quarterly instalments on the graduated basis is permitted of EMI as requested by customers.
  • What is the security for the loan?

    The security for the loan is an equitable mortgage of the property to be financed. The security for the loan is equitable mortgage of the property to be financed.

  • Do you insist on LIC policy as additional collateral security?

    No, it is not mandatory.

  • What are the supporting documents required while applying for the loan?

    Common requirements for all applicants.

    • Application form duly filled in (with a photograph of all the applicant).
    • Residence and age verification, which may be established from the PAN Card, Election ID, Passport, Drivers Licence and Ration Card, etc.
    • Copy of approved plan and sanction letter from local civic authority.
    • Copy of NA permission.
    • One/two guarantor/s form/s and salary certificates: If a guarantor is in business, copies of I.T. returns or assessment orders for the last three years are required.
    • Bank passbook of statements for the last two years.
    • Latest salary slip/statement showing all deductions in case of employed applicants.
    • Certified copies of Balance Sheets and Profit and Loss accounts, IT acknowledgments, advance tax challans (for both company/firm and personal account) for the last three years in case of self-employed applicants.
    • Memorandum/articles of association for companies, partnership deeds for firms and a brief profile of your company/firm in case of self-employed applicants.

    Additional requirement.

    • In case of purchase from builder
    • Copy of agreement for sale.
    • Copy of registration receipt.
    • Copy of sanctioned plan & sanction letter of the competent authorities.
    • Copy of NA permission/ULC order.
    • Copies of receipts of payments already made.
    • NOC from builders in our format.
    • In case of direct allotment in a Co-operative Housing Society
    • Allotment letter.
    • Share certificate. Society registration certificate.
    • Copy of sale/lease deed in favour of the society.
    • NOC from society in our format.
    • Possession letter in original.
    • In case of resale:
    • Copy of all the previous vendors’ agreements duly stamped and registered and the registration receipts. (original to be given before disbursement).
    • NOC from society/builder in our format.
    • Original share certificate.
  • Whether you have any housing loan products for NRIs?

    Yes. We have housing loan products for NRIs/PIOs. For details, please visit our website at Housing Loans to NRIs /PIOs

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