Lowest interest rates & EMI
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Home Loan EMI Calculator
Equated Monthly Installment (EMI) will be₹49,209
Interest rates & charges
Most Important Terms and Conditions (MITC)
Category - A
- Group Credit Life Insurance premium (for the products offered by M/s India First Life Insurance Company Limited or any other insurance company hat has a 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 a 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 a tie up with our Bank).
Category – B
- Stamp duty and registration charges at the time of purchase of residential property.
- Goods and 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.
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.
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 the existing home loan to the borrower.
- Prospective borrowers for Baroda Home Loans including takeover
- Existing borrowers under Baroda Home Loan Scheme
|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 linked Home Loan including Risk premium (if applicable) (Based on current BRLLR) + SP +0.25%.|
|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|
|ROI||Applicable ROI on Home Loan including Risk premium (if applicable) (based on current BRLLR) + Strategic Premium +0.50%.|
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.
Unified Processing Charges:
Nil (Stamp paper charges/notary charges or any other out of pocket expenses will be borne by the applicants.)