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

  • Tenure (months):

  • Interest Rate:

  • Equated Monthly Installment (EMI) will be

  • Benefits
  • Features
  • Eligibility
  • Interest rates & charges
  • Documentation
  • Most Important Terms and Conditions (MITC)

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Eligible Borrowers

All existing home loan borrowers including NRIs/PIOs, staff and ex-staff members (availed home loan under public scheme as well as staff housing loans) whose asset classification is standard.

Interest Rates:

Applicable ROI on linked Home Loan + Strategic Premium + 0.60%

Unified Processing Charges:

0.25% of the loan amount

Minimum: Rs. 5,000 (upfront)

Maximum: Rs. 12,500 plus GST

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Loan Limit
  • Minimum: Rs. 1 lakh
  • Maximum: Rs. 200 lakhs


Any purpose other than speculation.


25% of residual value of house property after deducting 150% of outstanding loan amount of existing home Loan.

Outstanding Home Loan + Proposed Top Up Loan (Based on Realizable Value)
Loan Amount LTV Ratio (HL + Top-Up) Margin
Up to Rs. 30 lakhs 90% 10%
Above Rs. 30 lakhs & up to Rs. 75 lakhs 80% 20%
Above Rs. 75 lakhs 25% 75%


Minimum Age

21 years (applicant), 18 years (co-applicant)

Maximum age

  • Age of the borrower + tenure of Top Up Loan should not exceed 70 years as per laid down norms mentioned under home loan product (for resident Indian)
  • Age of the borrower + tenure of Top Up Loan should not exceed 65 years (for NRIs/PIOs/OCIs)
  • Age of the borrower + tenure of Top Up Loan should not exceed 70 years as per laid down norms mentioned under home loan product (for resident Indian)
  • Age of the borrower + tenure of Top Up Loan should not exceed 65 years (for NRIs/PIOs/OCIs)
  • Age of the borrower + tenure of Top Up Loan should not exceed 65 years (For NRIs/PIOs/OCIs)

Repayment Period
  • Top Up Loan may be sanctioned for the maximum period up to which the applicant is eligible as per his/her age criteria i.e. irrespective of the tenure of linked home loan applied/availed.
  • In case linked home loan account is closed, the repayment of Top Up Loan can be continued up to the sanctioned tenure.
  • However, no fresh/enhancement of Top Up Loan facility will be sanctioned after the closure of linked home loan.
  • Repayment by equated monthly instalments (EMI). First instalment due one month after first disbursement.
  • In case of existing Top Up Loan (erstwhile AAA), the same is to be closed within 4 years after the pre-closure of linked home loan account as per existing terms and conditions.


Extension of equitable mortgage.

  • Property insurance cover to be obtained at the cost of borrower as per bank’s norms.
  • Free personal accidental death insurance cover is available under master policy.
  • Group credit life insurance cover (optional and at the cost of borrower).

Repayment Capacity

Total deductions including proposed EMI should not exceed as follows:

Salaried Persons

Gross Monthly Income less than Rs. 20,000 50%
Gross Monthly Income Rs. 20,000 and above but less than Rs. 50,000 60%
Gross Monthly Income Rs. 50,000 and above but less than Rs. 2 lakhs 65%
Gross Monthly Income Rs. 2 lakhs and above but less than Rs. 5 lakhs 70%
Gross Monthly Income Rs. 5 lakhs and above 75%


Average gross annual income (for last 2 years) up to Rs. 6 lakhs: 70%

Average gross annual income (for last 2 years) more than Rs. 6 lakhs: 80%

Valuation Norms for the property to be mortgaged

Valuation norms will be as under:

  • In case of properties acquired within last 3 years, amount of registered sale deed or the realizable value whichever is lower should be taken as value of property.
  • In other cases, i.e. execution of the sale deed is prior to 3 years, present realizable value as per the fresh valuation report from the bank’s approved valuer to be obtained.
  • In case of takeover, fresh valuation report to be obtained from our bank’s approved valuer and margin and LTV Ratio is maintained as per the scheme.

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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)

  • 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 regular income.
  • 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, 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). For calculating the repaying capacity, various factors are taken into consideration 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 property is proposed to be constructed/purchased. We will extend the loan up to 90% (for fresh houses/flat) of the cost of property under our housing loan scheme.

  • 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.

  • But can I prepay the loan ahead of schedule?

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

  • What is the mode of repayment?
    • Equated Monthly Instalment (EMI): It means a uniform lump sum amount, which includes repayment of a part of the principal amount and payment of interest, calculated on daily products basis.
    • Fixing the monthly/quarterly instalments on graduated basis is permitted of EMI as requested by customers.

  • What is the security for the loan?

    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:
    1. Application form duly filled in (with photograph of all the applicant).
    2. Residence and age verification, which may be established from the PAN card, election ID, passport, drivers’ license, ration card, etc.
    3. Copy of approved plan and sanction letter from local civic authority.
    4. Copy of NA permission.
    5. One/two guarantor(s) form(s) and salary certificates. If the guarantor is in business, copies of I.T. returns or assessment orders for the last three years are required.
    6. Bank passbook of statements for the last two years.
    7. Latest salary slip/statement showing all deductions in case of employed applicants.
    8. 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.
    9. 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:

    1. Copy of agreement for sale.
    2. Copy of registration receipt.
    3. Copy of sanctioned plan & sanction letter of the competent authorities.
    4. Copy of NA permission/ULC order.
    5. Copies of receipts of payments already made.
    6. NOC from builders in our format.

    In case of direct allotment in a Co-operative Housing Society:

    1. Allotment letter.
    2. Share certificate.
    3. Society registration certificate.
    4. Copy of sale/lease deed in favour of the society.
    5. NOC from society in our format.
    6. Possession letter in original.

    In case of resale:

    1. Copy of all previous vendors’ agreements duly stamped and registered and the registration receipts (original to be given before disbursement).
    2. NOC from society/builder in our format.
    3. Original share certificate.
  • Do you have any housing loan product 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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