Home Loan Eligibility Calculator
Home Loan EMI Calculator
  • Loan Amount:

    100000
    100000000
    5000000
  • Tenure (months):

    12
    360
    240
  • Interest Rate:

    5%
    15%
    6.75
  • Equated Monthly Installment (EMI) will be

    ₹49,209

Baroda Home Suvidha Personal Loan

Baroda Home Suvidha Personal Loan helps one finance the miscellaneous costs related with the purchase of their home such as cost of insurances, registration costs, stamp duty, goods & service tax and club membership feet.


  • Benefits
  • Features
  • Eligibility
  • Interest rates & charges
  • Documentation
  • Terms & Conditions

Not available

Purpose:

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.


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 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%.


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
ROI Applicable ROI on linked Home Loan including Risk premium (if applicable) (Based on current BRLLR) + SP +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.


Unified Processing Charges:

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



Not available

Not available

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Select Home Loan Type
  • Baroda Home Loan
  • Baroda Home Loan Advantage
  • Baroda Home Loan Takeover Scheme
  • Home Improvement Loan
  • Baroda Pre-Approved Home Loan
  • Baroda Top Up Loan (Resident/NRIs/PIOs)
  • Pradhan Mantri Awas Yojana
  • Baroda Home Suvidha Personal Loan
  • Interest Subsidy Scheme for Housing the Urban Poor (ISHUP)
  • Credit Risk Guarantee Fund Scheme for Low Income Housing
  • Others

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Frequently Asked Questions (FAQs)

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