Building your dream is now easier.

Explore Bank of Baroda’s Mortgage Loans.

  • Purpose
  • Amount
  • Eligibility
  • Margin
  • Repayment
  • Rate of Interest
  • Security
  • Processing Fees
  • Document Required
  • Sanction Authority
  • For all legitimate purposes except for speculation
  • Maximum – Rs 5 million 
  • 36 time of gross monthly income for salaried
  • 3 times of average annual income of last two years
  • For businessmen, loan shall be lower than the maximum ceiling and calculated based on income
  • Salaried persons, professionals, self-employed and others who are gainfully employed for the last two years
  • 50% of value of the property offered as security (Security should be 200% of the credit facility)
  • In 120 monthly installments for loans or EMIs
  • 10% annual reduction for OD facility
  • 2.00% over PLR
  • 1st rank fixed charge on flat/house purchase constructed out of bank finance
  • 1% of loan amount - Minimum Rs. 1,000; maximum Rs. 25,000
  • Copy of national ID card
  • Copy of driving license for vehicle for which loan is applied
  • Salary slips for last 3 months for salaried, and MRA return for businessman

Time frame for taking credit decision/disposal of proposal from the date of submission of data/information is within 10 working days for all credit facilities up to Rs. 3,00,000.

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