{"id":464,"date":"2020-11-22T10:14:10","date_gmt":"2020-11-22T10:14:10","guid":{"rendered":"https:\/\/www.loanfasttrack.com\/blog\/?p=464"},"modified":"2020-11-22T10:14:10","modified_gmt":"2020-11-22T10:14:10","slug":"bob-bank-of-baroda-home-loan","status":"publish","type":"post","link":"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/bob-bank-of-baroda-home-loan\/","title":{"rendered":"(BOB) BANK OF BARODA HOME LOAN"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/media\/EcovieaUEAAvNT9.jpg\" alt=\"Bank of Baroda home loan\"\/><\/figure>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  <strong><em>Bank Of Baroda Is Rated As One Of The Top Nationalized Banks\n  In India.<\/em><\/strong>\n  <strong><em>Home loan Baroda Bank is available for all eligible borrowers\n  with EMIs starting from \u20b9655 per lakh. Bank Of Baroda current home loan\n  interest rate starts from 6.85% p.a. over extended loan tenures up to 30\n  years with processing fees starting from 0.25% of the loan amount. <\/em><\/strong>\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Key Features Of Bank Of Baroda\nHousing Loan<\/strong>:<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>BOB is the <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\">lowest interest rate\nhome loan provider<\/a>.<\/li><li>Bank Of Baroda home loan\ninterest rate today starts from 6.85% p.a.<\/li><li>Lowest per lac <a href=\"https:\/\/www.loanfasttrack.com\/emi-calculator.html\">EMI<\/a> starting from Rs.655\/-<\/li><li>Uniform Bank Of Baroda ROI for home loan for salaried,\nself-employed, self-employed professionals &amp; NRIs.<\/li><li>Longer repayment tenure for\n30 years available.<\/li><li>Pre-approved home loan\nfacility available.<\/li><li>Home loan interest in Bank Of\nBaroda is calculated on daily reducing balance. <\/li><li>Home loan BOB interest rate\nis linked to repo rate.<\/li><li>Nil prepayment charges for\nfloating Bank Of Baroda loan interest rates. <\/li><li>Top-up loans can be applied up-to five times during the loan\ntenure.<\/li><li>Loan applicant can add a\nclose relative as a co-applicant to increase his home loan eligibility\n(co-applicant necessarily need not be a joint owner of the property).<\/li><li>Loan applicants receive a\ncomplimentary Bank of Baroda Credit Card.<\/li><li>Loan applicants get a free\nBank Of Baroda home loan insurance cover with every home loan.<\/li><li>Loan applicants also get\nrewarded with a concession of 0.25% on <a href=\"https:\/\/www.loanfasttrack.com\/car-loan.html\">Car Loans<\/a>.&nbsp;\n<\/li><li>Loan applicants get access to\nhigh-end banking technology for easy repayment of housing loans.<\/li><li>PMAY credit linked subsidy schemes\navailable with subsidy up-to Rs.2.67 lakhs. <\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bank Of Baroda Home Loan Interest\nRates 2020 Of Various Home Loan Schemes<\/strong><\/h3>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  Baroda Home Loan\n  <\/td><td>\n  6.85% p.a. &#8211; 8.20% p.a.\n  <\/td><\/tr><tr><td>\n  Baroda Home Improvement Loan\n  <\/td><td>\n  6.85% p.a. &#8211; 8.20% p.a.\n  <\/td><\/tr><tr><td>\n  Baroda Home Loan Advantage\n  <\/td><td>\n  6.85% p.a. &#8211; 8.20% p.a. For loans up-to\n  Rs.75 Lakhs.\n  &nbsp;\n  7.10% p.a. &#8211; 8.45% p.a. For loans above\n  Rs.75 Lakhs.\n  <\/td><\/tr><tr><td>\n  Baroda CRE Home Loan\n  <\/td><td>\n  7.10% p.a. &#8211; 8.45% p.a.\n  <\/td><\/tr><tr><td>\n  Baroda CRE Home Loan (Advantage)\n  <\/td><td>\n  7.10% p.a. &#8211; 8.45% p.a. For loans up-to\n  Rs.75 Lakhs.\n  &nbsp;\n  7.35% p.a. &#8211; 8.70% p.a. For loans above\n  Rs.75 Lakhs.\n  <\/td><\/tr><tr><td>\n  Baroda Top Up Loan\n  <\/td><td>\n  7.45% p.a. &#8211; 8.80% p.a.\n  <\/td><\/tr><tr><td>\n  Baroda Mortgage Loan\n  <\/td><td>\n  8.05% p.a. &#8211; 13.20% p.a.\n  <\/td><\/tr><tr><td>\n  Baroda Ashray (Reverse Mortgage Loan)\n  <\/td><td>\n  9.20% p.a.\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<p><strong><em>Note:\n&nbsp;&nbsp; (i) Housing loan interest rates Bank Of\nBaroda are subject to change without prior notice.<\/em><\/strong><\/p>\n\n\n\n<p><strong><em>(II) Home loan rate of interest bank of\nbaroda is linked to the Baroda Repo Linked Lending Rate (BRLLR) of the bank.<\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bank\nOf Baroda <strong>Home Loan Details<\/strong><\/h3>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  Eligible Profile\n  <\/td><td>\n  Salaried, Self-Employed Professionals,\n  Self-Employed Non-Professionals, NRIs, OCI &amp; PIOs, firms &amp; companies.\n  <\/td><\/tr><tr><td>\n  Age Criteria \n  <\/td><td>\n  Minimum\n  age is 21 years (co-applicant-18 years) &amp; the maximum age is 70 years.\n  <\/td><\/tr><tr><td>\n  Loan Amount \n  <\/td><td>\n  Maximum up-to Rs.10 Crores.\n  <\/td><\/tr><tr><td>\n  Repayment Tenure\n  <\/td><td>\n  Maximum up-to 30 years.\n  <\/td><\/tr><tr><td>\n  Collateral Accepted\n  <\/td><td>\n  Constructed or purchased homes, (at times also) insurance policies,\n  government promissory notes, shares and debentures, gold ornaments etc.\n  <\/td><\/tr><tr><td>\n  Who\n  Can Be The Loan Co-Applicants\n  <\/td><td>\n  Spouse,\n  Father, Mother (including Step Mother), Son (including Step Son), Son\u2019s wife,\n  Daughter (Including Step Daughter), Daughter\u2019s husband, Brother\/sister\n  (Including step brother\/sister), Brother\u2019s wife, sister (including step\n  sister) of spouse, Sister\u2019s husband, Brother (including step brother) of\n  spouse.\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-the-co-applicant-in-home-loan\/\">Click to get complete\n  information on Co-Applicant in home loans.<\/a>\n  <\/td><\/tr><tr><td>\n  Bank\n  Of Baroda Types Of Loans: &#8211;\n  <\/td><td>\n  Bank\n  Of Baroda repo linked <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\">Home Loan<\/a><strong>, <\/strong>Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/Apply-now.html\">Top Up Loan<\/a>,&nbsp; Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/home-loan.html\">NRI Home Loan<\/a>, Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\">Pre Approved Home\n  Loan<\/a>,\n  Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/home-loan.html\">Home Renovation Loan<\/a>, Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/home-loan.html\">Home Improvement Loan<\/a>, Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\">Home Loan Takeover<\/a>, Bank Of Baroda Plot\n  Loan\/Bank Of Baroda Land Loan, Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\">Mortgage Loan<\/a>,&nbsp; BOB Reverse Mortgage Loan. \n  <\/td><\/tr><tr><td>\n  BOB Per Lakh EMI\n  <\/td><td>\n  Bank\n  Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/what-is-home-loan-emi\/\">home loan EMI<\/a> starts from Rs.655\/- per\n  lakh.\n  <\/td><\/tr><tr><td>\n  BOB\n  Bank <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\">Home Loan<\/a> Interest Rate\n  <\/td><td>\n  Bank\n  Of Baroda bank home loan interest rate starts from 6.85% p.a.\n  <\/td><\/tr><tr><td>\n  Bank\n  Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/home-loan.html\">Home Loan<\/a> ROI\n  <\/td><td>\n  Bank\n  Of Baroda housing loan rate is linked to repo rate.\n  <\/td><\/tr><tr><td>\n  Bank\n  Of Baroda Repo Rate Home Loan Interest Rate Package Available\n  <\/td><td>\n  Floating\n  home loan interest Bank Of Baroda.\n  <\/td><\/tr><tr><td>\n  Housing\n  Loan Interest Rate In Bank Of Baroda\n  <\/td><td>\n  Housing\n  loan interest in Bank Of Baroda is charged on daily reducing balance.\n  <\/td><\/tr><tr><td>\n  LTV\n  (% on the market value of the property)\n  <\/td><td>\n  90%- for loan amount up-to\n  Rs.30 Lakhs.80% &#8211; for loan amount from\n  Rs.30 Lakhs &#8211; Rs.75 Lakhs.75% &#8211; for loan amount above\n  Rs. 75 Lakhs.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \n  \n  \n  <\/td><\/tr><tr><td>\n  FOIR\n  (Fixed Obligation Against Income Ratio)\n  <\/td><td>\n  Maximum\n  FOIR of up-to 80%.\n  <\/td><\/tr><tr><td>\n  Bank\n  Of Baroda Home Loan Charges\n  <\/td><td>\n  Unified\n  Bank Of Baroda home loan processing charges i.e. inclusive of processing\n  charge, documentation charge, document verification\/vetting charge,\n  pre-sanction inspection charge, legal &amp; technical cost, CIBIL cost,\n  CERSAI cost as well as ITR verification charge.\n  <\/td><\/tr><tr><td>\n  Bank\n  Of Baroda Home Loan Processing Time\n  <\/td><td>\n  Minimum\n  30 &#8211; 45 working days.\n  <\/td><\/tr><tr><td>\n  Bank\n  Of Baroda Home Loan Charges\n  <\/td><td>\n  Processing\n  fees of up-to 0.50% of the home loan amount + applicable GST. \n  (Minimum\n  Rs.8500\/- &amp; Maximum Rs.25,000\/-)\n  &nbsp;\n  (<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/must-know-all-costs-in-home-loan\/\">Read to know the\n  complete list of charges on home loans &#8211; Click<\/a>)\n  <\/td><\/tr><tr><td>\n  Bank\n  Of Baroda Home Loan Prepayment Charges\n  <\/td><td>\n  Nil\n  on floating home loan interest of Bank Of Baroda.\n  <\/td><\/tr><tr><td>\n  Bank\n  Of Baroda Loan Schemes\n  <\/td><td>\n  Baroda\n  Home Loan, Baroda Home Loan Advantage, Baroda Pre-Approved Home Loan, Bank Of\n  Baroda Home Improvement Loan, Baroda Top UP Loan, Baroda Home Loan Takeover\n  Scheme, ISHUP Schemes, CRGFS Schemes,&nbsp;\n  Bank Of Baroda PMAY Schemes &amp; Baroda Ashray Reverse Mortgage Loan.\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bank Of Baroda Home Loan Calculator<\/strong><\/h3>\n\n\n\n<p>Use\nLoanfasttrack\u2019s Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-emi-calculator\/\">Home Loan EMI\ncalculator<\/a> to calculate your EMI outgo. Loanfasttrack\u2019s Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/emi-calculator.html\">EMI calculator<\/a> is a hassle free simple\ngeneric calculator which gives accurate estimates of the EMI for various loan\namounts for various loan tenures. It also displays the total interest payable\non the home loan amount. The interest payable varies with the loan tenures. The\nlonger the loan tenure the higher is the interest payable to the bank &amp;\nvice-a-versa. <\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.loanfasttrack.com\/home-loan.html\">home loan<\/a> EMI depends largely on the\nrate of interest, loan amount &amp; loan tenure. Simply enter these 3 variables\nto get the desired EMI amount.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The higher the loan amount\nthe higher will be the interest paid on housing loan and therefore higher will\nbe the EMIs &amp; vice-a-versa.<\/li><li>The longer the tenure the\nless will be the EMIs. &amp; vise-a-versa.<\/li><li>The higher the interest rate\nof home loan in Bank Of Baroda the higher will be the EMIs &amp; vice-a-versa.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"571\" src=\"https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2020\/11\/EMI-Calculator-2-1024x571.png\" alt=\"\" class=\"wp-image-465\" srcset=\"https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2020\/11\/EMI-Calculator-2-1024x571.png 1024w, https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2020\/11\/EMI-Calculator-2-300x167.png 300w, https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2020\/11\/EMI-Calculator-2-768x428.png 768w, https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2020\/11\/EMI-Calculator-2-800x446.png 800w, https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2020\/11\/EMI-Calculator-2.png 1171w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.loanfasttrack.com\/emi-calculator.html\"><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>EMI Amortization Chart&nbsp; <\/strong><\/h3>\n\n\n\n<p>The\namortization schedule determines the percentage of EMI outgo towards the\ninterest component versus principal component. <\/p>\n\n\n\n<p>An\namortization chart details the periodic loan repayments consisting of the\nprincipal &amp; the interest amount till the loan is repaid. Each monthly\npayment remains the same &amp; the payment is made up of parts that vary over\ntime. The interest deduction in the EMI will be higher than the housing loan\nprincipal deduction during the initial period of tenure followed by lower\ninterest deduction and higher home loan principal deduction towards the end of\nthe tenure.<\/p>\n\n\n\n<p><strong>Home Loan Amortization Chart For\nRs.60 Lakhs Housing Loan For 20 Years<\/strong><\/p>\n\n\n\n<p>(Assuming\nyour loan is disbursed in the month of November @ 6.85% p.a.) <\/p>\n\n\n\n<p><strong>Yearly Chart <\/strong><\/p>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  <strong>Year<\/strong>\n  <\/td><td>\n  <strong>Total EMI <\/strong>\n  <\/td><td>\n  <strong>Principal<\/strong>\n  <\/td><td>\n  <strong>Interest <\/strong>\n  <\/td><td>\n  <strong>Balance <\/strong>\n  <\/td><\/tr><tr><td>\n  2020\n  <\/td><td>\n  91,958\n  <\/td><td>\n  23,525\n  <\/td><td>\n  68,433\n  <\/td><td>\n  59,76,475\n  <\/td><\/tr><tr><td>\n  2021\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  1,46,918\n  <\/td><td>\n  4,04,830\n  <\/td><td>\n  58,29,556\n  <\/td><\/tr><tr><td>\n  2022\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  1,57,306\n  <\/td><td>\n  3,94,442\n  <\/td><td>\n  56,72,252\n  <\/td><\/tr><tr><td>\n  2023\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  1,68,425\n  <\/td><td>\n  3,83,323\n  <\/td><td>\n  55,03,828\n  <\/td><\/tr><tr><td>\n  2024\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  1,80,329\n  <\/td><td>\n  3,71,419\n  <\/td><td>\n  53,23,497\n  <\/td><\/tr><tr><td>\n  2025\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  1,93,077\n  <\/td><td>\n  3,58,671\n  <\/td><td>\n  51,30,419\n  <\/td><\/tr><tr><td>\n  2026\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  2,06,729\n  <\/td><td>\n  3,45,019\n  <\/td><td>\n  49,23,691\n  <\/td><\/tr><tr><td>\n  2027\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  2,21,342\n  <\/td><td>\n  3,30,406\n  <\/td><td>\n  47,02,349\n  <\/td><\/tr><tr><td>\n  2028\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  2,36,990\n  <\/td><td>\n  3,14,758\n  <\/td><td>\n  44,65,361\n  <\/td><\/tr><tr><td>\n  2029\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  2,53,739\n  <\/td><td>\n  2,98,009\n  <\/td><td>\n  42,11,619\n  <\/td><\/tr><tr><td>\n  2030\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  2,71,679\n  <\/td><td>\n  2,80,069\n  <\/td><td>\n  39,39,393\n  <\/td><\/tr><tr><td>\n  2031\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  2,90,886\n  <\/td><td>\n  2,60,862\n  <\/td><td>\n  36,49,054\n  <\/td><\/tr><tr><td>\n  2032\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  3,11,447\n  <\/td><td>\n  2,40,301\n  <\/td><td>\n  33,37,606\n  <\/td><\/tr><tr><td>\n  2033\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  3,33,465\n  <\/td><td>\n  2,18,283\n  <\/td><td>\n  30,04,141\n  <\/td><\/tr><tr><td>\n  2034\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  3,57,039\n  <\/td><td>\n  1,94,709\n  <\/td><td>\n  26,47,102\n  <\/td><\/tr><tr><td>\n  2035\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  3,82,278\n  <\/td><td>\n  1,69,470\n  <\/td><td>\n  22,64,823\n  <\/td><\/tr><tr><td>\n  2036\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  4,09,302\n  <\/td><td>\n  1,42,446\n  <\/td><td>\n  18,55,521\n  <\/td><\/tr><tr><td>\n  2037\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  4,38,236\n  <\/td><td>\n  1,13,512\n  <\/td><td>\n  14,17,284\n  <\/td><\/tr><tr><td>\n  2038\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  4,69,216\n  <\/td><td>\n  82,532\n  <\/td><td>\n  9,48,067\n  <\/td><\/tr><tr><td>\n  2039\n  <\/td><td>\n  5,51,748\n  <\/td><td>\n  5,02,387\n  <\/td><td>\n  49,361\n  <\/td><td>\n  4,45,681\n  <\/td><\/tr><tr><td>\n  2040\n  <\/td><td>\n  4,59,790\n  <\/td><td>\n  4,45,679\n  <\/td><td>\n  14,111\n  <\/td><td>\n  0\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bank Of Baroda Home Loan Schemes<\/strong><\/h3>\n\n\n\n<p><strong>1) Baroda Home Loan<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Available for purchasing a plot (Bank Of Baroda plot purchase loan), for construction of a house on plot, purchasing a resale\/ready to move\/<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/mportant-loan-facts\/\">under-construction property<\/a> and also for improving\/extending the existing property. (<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-builder-case-resale-case\/\">Click to know the difference in home loan for resale &amp; builder case<\/a>)<\/li><li>Available for all salaried, self-employed, self-employed professionals, <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/everything-you-must-about-nri-home-loans\/\">NRIs<\/a> (<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/everything-you-must-about-nri-home-loans\/\">Read About NRI Home Loans<\/a>), PIOs &amp; OCIs from 21 years to 70 years.<\/li><li>Available for <a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\">home loan transfer<\/a> to Bank Of Baroda. (<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-balance-transfer-lowest-rate-for-6-95p-a\/\">Get complete knowledge on home loan balance transfer-CLICK<\/a>) <\/li><li>Maximum loan amount ranges from Rs.5 Crore &#8211; Rs.10 Crore.<\/li><li>Longer repayment tenure of up-to 30 years.<\/li><li>BOB home loan interest rates range from 6.85% p.a. &#8211; 8.20% p.a.<\/li><li>Bank Of Baroda home loan top up interest rate is charged on daily reducing balance.<\/li><li>Bank Of Baroda home loan top up can be availed up-to maximum of 5 times during the BOB home loan tenure. <\/li><li>Bank Of Baroda home loan processing fee<br>* Up-to Rs.50 Lakhs &#8211; 0.50% of the loan amount plus applicable GST subject to minimum of Rs.8,500\/- and maximum of Rs.15,000\/- <br>* Above Rs.50 Lakhs &#8211; 0.25% of the loan amount plus applicable GST subject to minimum of Rs.8,500\/- and maximum of Rs.25,000\/-<br>* Flat Rs.8,500\/- for home loan transfer Bank Of Baroda.<\/li><li>FOIR (Fixed Obligation Against Income Ratio)percentage:<\/li><\/ul>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  For Salaried\n  Loan Borrowers\n  (Bank Of Baroda\n  home loan eligibility based on salary)\n  <\/td><td>\n  For Self-Employed\n  Loan Borrowers\n  <\/td><\/tr><tr><td>\n  Gross Monthly\n  Income\n  <\/td><td>\n  FOIR %\n  <\/td><td>\n  Latest 2 Years\n  Average Gross Annual Income\n  <\/td><td>\n  FOIR %\n  <\/td><\/tr><tr><td>\n  &lt;\n  Rs.20,000\/-\n  <\/td><td>\n  50%\n  <\/td><td>\n  Up-to Rs.6\n  Lakhs\n  <\/td><td>\n  70%\n  <\/td><\/tr><tr><td>\n  Rs.20,000\/- to\n  Rs. 50,000\/- \n  <\/td><td>\n  60%\n  <\/td><td>\n  Above Rs.6\n  Lakhs\n  <\/td><td>\n  80%\n  <\/td><\/tr><tr><td>\n  Rs.50,000\/- to\n  Rs.2 Lakhs\n  <\/td><td>\n  65%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Rs.2 Lakhs to\n  Rs.5 Lakhs\n  <\/td><td>\n  70%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Above Rs.5\n  Lakhs\n  <\/td><td>\n  75%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<ul class=\"wp-block-list\"><li>Maximum funding of up-to 90% on the value of the property. <\/li><li>Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/what-do-you-mean-by-loan-eligibility-in-home-loan\/\">home loan eligibility<\/a>:<br>* For salaried residents &#8211; minimum 1 year of employment.<br>* For self-employed- minimum 2 years of business vintage.<br>* For NRIs\/PIOs\/OCI &#8211; <br>(a) minimum 2 years valid job contract \/ work permit OR must be staying abroad for at least 2 years.<br>(b) Minimum gross annual income of Rs.5 Lakhs.<br>(c) Should not be the citizens of the countries- Bangladesh \/ Pakistan \/ Sri Lanka \/ Afghanistan \/ China \/ Iran \/ Nepal &amp; Bhutan.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>A close relative (Spouse, Father,\nMother (including Step Mother), Son (including Step Son), Son\u2019s wife ,Daughter\n(Including Step Daughter), Daughter\u2019s husband, Brother\/sister (Including step\nbrother\/sister), Brother\u2019s wife, sister (including step sister) of spouse,\nSister\u2019s husband, Brother (including step brother) of spouse) can be added to the home loan application\nas an <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-the-co-applicant-in-home-loan\/\">co-applicant<\/a> in order to enhance the BOB\nhome loan eligibility. <\/li><li>Nil prepayment charges on\nhome loan by Bank Of Baroda.<\/li><li>Free credit card with every\nhome loan.<\/li><li>0.25% concessions on car\nloans.<\/li><\/ul>\n\n\n\n<p>Compare\nBOB Home Loan With <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/why-choose-icici-bank-home-loans\/\">ICICI Bank Home Loan<\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/why-choose-hdfc-ltd-home-loan\/\">HDFC Ltd. Home Loan<\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/canara-bank-home-loan\/\">Canara Bank Home Loan<\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/sbi-home-loan\/\">SBI Home Loan<\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/axis-bank-home-loan\/\">Axis Bank Home Loan<\/a> &amp; <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/bank-of-india-boi-home-loan\/\">Bank Of India Home Loan<\/a>.<\/p>\n\n\n\n<p><strong><em>For\nthe latest BOB Bank Home Loan, Bank Of Baroda Home Loan Transfer interest rates\n&amp; processing fees offer call on 9321020476 or login to<\/em><\/strong><strong><em> <\/em><\/strong><a href=\"https:\/\/www.loanfasttrack.com\/index.html\"><strong><em>Loanfasttrack<\/em><\/strong><\/a><strong><em>.<\/em><\/strong><\/p>\n\n\n\n<p><strong>2) Baroda Home Loan Advantage<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Available for all salaried, self-employed, self-employed professionals, NRIs, PIOs &amp; OCIs from 21 years to 70 years for purchasing a residential plot, for purchase + construction of the plot, for construction of house, for purchasing a resale\/ready to move\/<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/mportant-loan-facts\/\">under-construction property<\/a> and also for improving\/extending the existing property. (Read: <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/everything-you-must-know-before-purchasing-a-land-availing-the-land-loans\/\">Everything You Must Know Before Purchasing A Land &amp; Availing The Land Loans<\/a>)<\/li><li>Also available for Bank Of Baroda-BOB <a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\">home loan transfer<\/a>.<\/li><li>Key features of Baroda Home Loan<br>* Sanctioned home loans are linked to the borrower\u2019s BOB saving account (zero rate of interest on this savings account).<br>* The borrowers can deposit his savings in the linked SB account to avail maximum benefit of interest in the Home Loan account.<br>* BOB home loan interest is calculated on daily reducing balance i.e. on the daily outstanding balance in the borrower\u2019s BOB savings account.<br>* EMI\u2019s are auto recovered from the linked savings account.<\/li><li>Maximum loan amount is Rs.10 Crore.<\/li><li>Longer repayment tenure of up-to 30 years.<\/li><li>Bank Of Baroda home loan rate ranges from 6.85% p.a. &#8211; 8.45% p.a.<\/li><li>Processing fees of up-to 0.50% on the home loan amount.<\/li><li>Bank Of Baroda loan eligibility:<br>* For salaried residents &#8211; minimum 1 year of employment.<br>* For self-employed- minimum 2 years of business vintage.<br>* For NRIs\/PIOs\/OCI &#8211; <br>(a) minimum 2 years valid job contract \/ work permit OR must be staying abroad for at least 2 years.<br>(b) Minimum gross annual income of Rs.5 Lakhs.<br>(c) Should not be the citizens of the countries- Bangladesh \/ Pakistan \/ Sri Lanka \/ Afghanistan \/ China \/ Iran \/ Nepal &amp; Bhutan.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>FOIR (Fixed Obligation\nAgainst Income Ratio)percentage:<\/li><\/ul>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  For Salaried Loan\n  Borrowers\n  (Bank Of Baroda\n  home loan eligibility based on salary)\n  <\/td><td>\n  For Self-Employed\n  Loan Borrowers\n  <\/td><\/tr><tr><td>\n  Gross Monthly\n  Income\n  <\/td><td>\n  FOIR %\n  <\/td><td>\n  Latest 2 Years\n  Average Gross Annual Income\n  <\/td><td>\n  FOIR %\n  <\/td><\/tr><tr><td>\n  &lt; Rs.20,000\/-\n  <\/td><td>\n  50%\n  <\/td><td>\n  Up-to Rs.6 Lakhs\n  <\/td><td>\n  70%\n  <\/td><\/tr><tr><td>\n  Rs.20,000\/- to\n  Rs.50,000\/- \n  <\/td><td>\n  60%\n  <\/td><td>\n  Above Rs.6 Lakhs\n  <\/td><td>\n  80%\n  <\/td><\/tr><tr><td>\n  Rs.50,000\/- to\n  Rs.2 Lakhs\n  <\/td><td>\n  65%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Rs.2 Lakhs to\n  Rs.5 Lakhs\n  <\/td><td>\n  70%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Above Rs.5 Lakhs\n  <\/td><td>\n  75%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<ul class=\"wp-block-list\"><li>LTV up-to 90% on the market\nvalue of the property. <\/li><li>Nil prepayment charges on BOB\nhousing loan.<\/li><\/ul>\n\n\n\n<p><strong>Compare Baroda Home Loan Advantage\nwith <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/bank-of-india-boi-home-loan\/\"><strong>BOI\u2019s Star Smart Home Loan<\/strong><\/a><strong> with <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/sbi-home-loan\/\"><strong>SBI\u2019s <\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/sbi-home-loan\/\"><strong>Maxgain<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/sbi-home-loan\/\"><strong> Product<\/strong><\/a><strong>,<\/strong><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/axis-bank-home-loan\/\"><strong> Axis Bank Super Saver Home Loan<\/strong><\/a><strong> &amp; <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/blog\/?s=why+choose+icici+bank\"><strong>ICICI Bank Home Overdraft Product<\/strong><\/a><strong>.<\/strong><\/p>\n\n\n\n<p><strong>3) Baroda Pre-Approved Home Loan<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Available for all salaried,\nself-employed, self-employed professionals, NRIs, PIOs &amp; OCIs from 21 years\nto 70 years.<\/li><li>Bank Of Baroda pre-approved\nhome loan provides in-principle approval for home loan which enables the loan\napplicant to get home loan sanctioned even before finalizing the property.<\/li><li>In-principle approval will be\nvalid for 4 months from the date of its issue.<\/li><li>Maximum loan amount is Rs.10\nCrore.<\/li><li>Maximum LTV of up-to 90% on\nthe market value of the property. <\/li><li>Longer repayment tenure of\nup-to 30 years.<\/li><li>Bank Of Baroda housing loan\ninterest rate ranges from 6.85% p.a. &#8211; 8.70% p.a.<\/li><li>Bank Of Baroda home loan\nprocessing charges range from 0.25% &#8211; 0.50% on the loan amount plus applicable\nGST. Upfront applicable fees is Rs.7500\/- + GST, rest to be collected after the\nloan is sanctioned.<\/li><li>Nil prepayment charges.<\/li><\/ul>\n\n\n\n<p><strong>4) Bank Of Baroda Home Improvement\nLoan<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Available for all salaried, self-employed, self-employed professionals, NRIs, PIOs &amp; OCIs from 21 years to 70 years for repairs and renovation of the home, for purchase of new furniture, fittings and furnishings, etc.<\/li><li>Maximum loan amount is Rs.10 Crore.<\/li><li>BOB home loan rates range from 6.85% p.a. &#8211; 8.20% p.a.<\/li><li>Longer repayment tenures of up-to 30 years.<\/li><li>BOB home loan processing fee<br>* Up-to Rs.50 Lakhs &#8211; 0.50% of the loan amount plus applicable GST subject to minimum of Rs.8,500\/- and maximum of Rs.15,000\/- <br>* Above Rs.50 Lakhs &#8211; 0.25% of the loan amount plus applicable GST subject to minimum of Rs.8,500\/- and maximum of Rs.25,000\/-<\/li><li>FOIR (Fixed Obligation Against Income Ratio)percentage:<\/li><\/ul>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  For Salaried Loan\n  Borrowers\n  (Bank Of Baroda\n  home loan eligibility based on salary)\n  <\/td><td>\n  For Self-Employed\n  Loan Borrowers\n  <\/td><\/tr><tr><td>\n  Gross Monthly\n  Income\n  <\/td><td>\n  FOIR %\n  <\/td><td>\n  Latest 2 Years\n  Average Gross Annual Income\n  <\/td><td>\n  FOIR %\n  <\/td><\/tr><tr><td>\n  &lt; Rs.20,000\/-\n  <\/td><td>\n  50%\n  <\/td><td>\n  Up-to Rs.6 Lakhs\n  <\/td><td>\n  70%\n  <\/td><\/tr><tr><td>\n  Rs.20,000\/- to\n  Rs.50,000\/- \n  <\/td><td>\n  60%\n  <\/td><td>\n  Above Rs.6 Lakhs\n  <\/td><td>\n  80%\n  <\/td><\/tr><tr><td>\n  Rs.50,000\/- to\n  Rs.2 Lakhs\n  <\/td><td>\n  65%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Rs.2 Lakhs to\n  Rs.5 Lakhs\n  <\/td><td>\n  70%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Above Rs.5 Lakhs\n  <\/td><td>\n  75%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<ul class=\"wp-block-list\"><li>LTV up-to 90% on the market value of the property. <\/li><li>Bank Of Baroda housing loan eligibility:<br>* For salaried residents &#8211; minimum 1 year of employment.<br>* For self-employed- minimum 2 years of business vintage.<br>* For NRIs\/PIOs\/OCI &#8211; <br>(a) minimum 2 years valid job contract \/ work permit OR must be staying abroad for at least 2 years.<br>(b) Minimum gross annual income of Rs.5 Lakhs.<br>(c) Should not be the citizens of the countries- Bangladesh \/ Pakistan \/ Sri Lanka \/ Afghanistan \/ China \/ Iran \/ Nepal &amp; Bhutan.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Nil foreclosure charges.<\/li><\/ul>\n\n\n\n<p>Additional\nRead: <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/difference-in-applying-home-loan-with-public-bank-private-bank\/\"><strong>Difference In Applying Home Loan With Public Bank &amp;\nPrivate Bank<\/strong><\/a><\/p>\n\n\n\n<p><strong>5) Baroda Top UP Loan<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>BOBO <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\">top up home loan<\/a> is available for all\nexisting home loan borrowers (salaried\/self-employed\/NRIs\/PIOs) from 21 years\nto 70 years to meet their personal and professional requirement of funds.<\/li><li>BOB <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/top-up-loans-loanfasttrack\/\">home loan top up<\/a> amount &#8211; minimum Rs.1 Lakh\nand Maximum Rs.2 Crores.<\/li><li>Maximum funding of 90% of the\nmarket value of the property including the existing outstanding loan amount. <\/li><li>Top-up tenure will be the\noutstanding tenure of the existing home loan. <\/li><li>FOIR (Fixed Obligation\nAgainst Income Ratio)percentage:<\/li><\/ul>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  For Salaried Loan\n  Borrowers\n  (Bank Of Baroda\n  home loan eligibility based on salary)\n  <\/td><td>\n  For Self-Employed\n  Loan Borrowers\n  <\/td><\/tr><tr><td>\n  Gross Monthly\n  Income\n  <\/td><td>\n  FOIR %\n  <\/td><td>\n  Latest 2 Years\n  Average Gross Annual Income\n  <\/td><td>\n  FOIR %\n  <\/td><\/tr><tr><td>\n  &lt; Rs.20,000\/-\n  <\/td><td>\n  50%\n  <\/td><td>\n  Up-to Rs.6 Lakhs\n  <\/td><td>\n  70%\n  <\/td><\/tr><tr><td>\n  Rs.20,000\/- to\n  Rs. 50,000\/- \n  <\/td><td>\n  60%\n  <\/td><td>\n  Above Rs.6 Lakhs\n  <\/td><td>\n  80%\n  <\/td><\/tr><tr><td>\n  Rs.50,000\/- to\n  Rs.2 Lakhs\n  <\/td><td>\n  65%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Rs.2 Lakhs to\n  Rs.5 Lakhs\n  <\/td><td>\n  70%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Above Rs.5 Lakhs\n  <\/td><td>\n  75%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<ul class=\"wp-block-list\"><li>Bank Of Baroda top up loan\ninterest rate range from 7.45% p.a. &#8211; 8.80% p.a.<\/li><li>Unified processing charges of\n0.25% on the loan amount plus applicable GST (Minimum Rs.5,000\/- &amp; Maximum\nRs.12,500\/-).<\/li><li>Click to know the detailed <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/document-checklist-for-top-up-for-salaried-customers\/\">list of documents\nrequired for applying top up loan for salaried loan borrowers<\/a>.<\/li><\/ul>\n\n\n\n<p>Compare\nBOB Top Up Loan With <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/bank-of-india-boi-home-loan\/\">BOI Star Top Up Loan<\/a> &amp; <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/icici-bank-home-loan-top-up\/\">ICICI Bank home loan\ntop up<\/a>.<\/p>\n\n\n\n<p><strong>6) Baroda Home Loan Takeover\nScheme<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Bank Of Baroda home loan balance transfer available for all borrowers (salaried\/self-employed\/NRIs\/PIOs\/OCIs) from 21 years to 70 years for transfer of the home loan along with the top-up loans. (<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-transfer-details\/\">Compare home loan transfer details of BOB with other leading banks<\/a>.)<\/li><li>BOB housing loan interest rate for home loan balance transfer to Bank Of Baroda starts from 6.85% p.a.<\/li><li>Longer repayment tenures of up-to 30 years.<\/li><li>Flat Bank Of Baroda home loan transfer charges of Rs.8,500\/- plus applicable GST.<\/li><li>Top-up loans can be applied for a maximum 5 times during the tenure of the home loan.<\/li><li>Maximum loan amount is up-to Rs.10 Crores.<\/li><li>Home loan transfer terms and conditions:<br>  * <strong>For Individuals<\/strong><br>=> Minimum CIBIL score required is 701. (<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/cibil-and-its-significance-in-home-loan\/\">Click to understand the significance of CIBIL in home loan<\/a> &amp; <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-how-your-home-loan-inquiry-impacts-your-cibil-scores\/\">to know how your home loan inquiry can impact your CIBIL score<\/a>.)<br>=> Home loan should be minimum 12 months old.<br>=> Must have a good repayment track record.<\/li><\/ul>\n\n\n\n<p>Learn <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/how-to-apply-for-home-loan-with-bad-cibil-score-by-loanfasttrack\/\"><strong>How To Apply For Home Loan With Bad CIBIL Score \u2013 By Loanfasttrack<\/strong><\/a><br><br><strong>* For Non-Individuals i.e. Firms\/Companies<\/strong><\/p>\n\n\n\n<p>=> Mandatory to have an individual applicant in the home loan application.<br>=> Minimum 18 months EMI must have been paid.<br>=> The company must have been incorporated for a minimum 5 years.<br>=> Minimum 2 years business vintage required.<br>=> The company must be profitable for the minimum last 2 years.<br>=> Company\u2019s net worth must be positive.<br>=> Good CIBIL score of the company.<\/p>\n\n\n\n<p><strong>Additional Read <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-transfer-for-nri\/\"><strong>Home Loan Transfer For NRIs<\/strong><\/a>FOIR (Fixed Obligation Against Income Ratio)percentage<\/p>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  For Salaried Loan\n  Borrowers\n  (Bank Of Baroda\n  home loan eligibility based on salary)\n  <\/td><td>\n  For Self-Employed\n  Loan Borrowers\n  <\/td><\/tr><tr><td>\n  Gross Monthly\n  Income\n  <\/td><td>\n  FOIR %\n  <\/td><td>\n  Latest 2 Years\n  Average Gross Annual Income\n  <\/td><td>\n  FOIR %\n  <\/td><\/tr><tr><td>\n  &lt; Rs.20,000\/-\n  <\/td><td>\n  50%\n  <\/td><td>\n  Up-to Rs.6 Lakhs\n  <\/td><td>\n  70%\n  <\/td><\/tr><tr><td>\n  Rs.20,000\/- to\n  Rs.50,000\/- \n  <\/td><td>\n  60%\n  <\/td><td>\n  Above Rs.6 Lakhs\n  <\/td><td>\n  80%\n  <\/td><\/tr><tr><td>\n  Rs.50,000\/- to\n  Rs.2 Lakhs\n  <\/td><td>\n  65%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Rs.2 Lakhs to\n  Rs.5 Lakhs\n  <\/td><td>\n  70%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Above Rs.5 Lakhs\n  <\/td><td>\n  75%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<ul class=\"wp-block-list\"><li>LTV up-to 90% on the market\nvalue of the property. <\/li><li>Free credit card with every\nhome loan.<\/li><li>0.25% concessions on car\nloans.<\/li><\/ul>\n\n\n\n<p>Also\nRead: <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-transfer-requirements\/\">Home loan transfer\nrequirements<\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/benefits-of-home-loan-transfer\/\">Benefits of home loan\ntransfer<\/a>. <\/p>\n\n\n\n<p><strong><em>For\nthe latest BOB HL interest rates for home loan transfer in Bank Of Baroda<\/em><\/strong> <strong><em>&amp;\nprocessing fees offer call on 9321020476 or login to <\/em><\/strong><a href=\"https:\/\/www.loanfasttrack.com\/index.html\"><strong><em>Loanfasttrack<\/em><\/strong><\/a><strong><em>.<\/em><\/strong><\/p>\n\n\n\n<p><strong>7) Interest Subsidy Scheme For\nHousing The Urban Poor (ISHUP)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The ISHUP scheme is applicable for the urban LIG (Low Income Group having income of up-to Rs.5,000\/- pm) &amp; EWS (Economically Weaker Sections having income up-to Rs.10,000\/- pm) borrowers only from 21 years to 70 years for the purchase\/construction of a house or to extend the existing house. <\/li><li>5% interest subsidy (Net Present Value) available for a maximum principal amount of Rs.1 Lakh.<\/li><li>Maximum loan tenure of up-to 20 years.<\/li><li>Home loan eligibility:<br>=> For salaried &#8211; 48 X (average gross salary for last 3 months)<br>=> For others &#8211; (Max) 4 X (average annual income of last 2 years)<\/li><li>Maximum funding of 80% on the market value of the property. <\/li><\/ul>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  Category\n  <\/td><td>\n  Maximum Loan Amount\n  <\/td><td>\n  Maximum House Area\n  <\/td><\/tr><tr><td>\n  For EWS\n  <\/td><td>\n  Rs.1 Lakh\n  <\/td><td>\n  25 Sq. Meter\n  <\/td><\/tr><tr><td>\n  For LIG\n  <\/td><td>\n  Rs.1.6 Lakhs\n  <\/td><td>\n  40 Sq. Meter\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<p><strong>8) Credit Risk Guarantee Funds\nScheme For Low Income Housing (CRGFS)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Available only for the\nborrowers belonging to EWS &amp; LIG categories in the urban area.<\/li><li>The scheme provides loans to\nthe borrowers without any collateral\/security or third party guarantor\naccording to the Credit Risk Guarantee Fund Trust established by Indian\nGovernment\u2019s Ministry of Housing and Urban Poverty Alleviation.<\/li><li>Under this scheme the Trust\nwill provide credit risk guarantee to lending institutions (Banks) for the home\nloans they provide to the EWS &amp; LIG category borrowers for acquisition and\npurchase of new\/resale home, home construction and improvement.<\/li><\/ul>\n\n\n\n<p>Click to find out <a href=\"https:\/\/www.loanfasttrack.com\/blog\/?s=builder+property\">the merits and demerits\nfor investing in resale &amp; builder property<\/a>. <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Maximum house area is up-to\n430 sq. ft. carpet i.e. 40 sq. meter.<\/li><li>Maximum loan amount is Rs.5\nLakhs.<\/li><li>For loans up-to Rs.2 Lakhs\nguarantee cover provided is 90% of the loan amount &amp; for loans from Rs.2\nLakhs-Rs.5 Lakhs guarantee cover provided is 85%.<\/li><li>Tenure for guarantee cover is\nmaximum up-to 25 years or loan termination date whichever is earlier.<\/li><\/ul>\n\n\n\n<p><strong>9) (PMAY) Pradhan Mantri\nAwas Yojana Bank Of Baroda<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Interest subsidy on housing loans of 3% &#8211; 6.50% for all eligible borrowers (salaried\/self-employed\/NRI\/PIO\/OCI) from 21 years to 70 years having yearly income from Rs.3 Lakhs to Rs.18 Lakhs &amp; belonging to the EWS, LIG &amp; MIG segment for either acquiring or purchasing a new house or to upgrade an existing kuccha or semi-pucca house.<\/li><li>Maximum subsidy amount of up-to Rs.2.67 lakhs.<\/li><li>Maximum income to avail the benefits of this scheme is maximum up-to Rs.18 Lakhs p.a.<\/li><li>Maximum carpet areas of the house under PMAY Bank Of Barodascheme is up-to 200 sq meter i.e. 2153 sq. ft.<\/li><li>Maximum loan amount is Rs.10 Crores while maximum loan amount eligible for the subsidy is up-to Rs.12 Lakhs..<\/li><li>Maximum loan tenure of up-to 30 years with subsidy up-to 20 years of the loan tenure.<\/li><li>Maximum funding of 90% on the market value of the property. <\/li><li>Bank Of Baroda housing loan interest starts from 6.85% p.a.<\/li><li>Bank Of Baroda home loan eligibility criteria:<br>=> For salaried residents &#8211; minimum 1 year of employment.<br>=> For self-employed- minimum 2 years of business vintage.<br>=> For NRIs\/PIOs\/OCI &#8211; <br>(a) minimum 2 years valid job contract \/ work permit OR must be staying abroad for at least 2 years.<br>(b) Minimum gross annual income of Rs.5 Lakhs.<br>(c) Should not be the citizens of the countries- Bangladesh \/ Pakistan \/ Sri Lanka \/ Afghanistan \/ China \/ Iran \/ Nepal &amp; Bhutan.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>FOIR (Fixed Obligation\nAgainst Income Ratio)percentage:<\/li><\/ul>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  For Salaried Loan\n  Borrowers\n  (Bank Of Baroda\n  home loan eligibility based on salary)\n  <\/td><td>\n  For Self-Employed\n  Loan Borrowers\n  <\/td><\/tr><tr><td>\n  Gross Monthly\n  Income\n  <\/td><td>\n  FOIR %\n  <\/td><td>\n  Latest 2 Years\n  Average Gross Annual Income\n  <\/td><td>\n  FOIR %\n  <\/td><\/tr><tr><td>\n  &lt; Rs.20,000\/-\n  <\/td><td>\n  50%\n  <\/td><td>\n  Up-to Rs.6 Lakhs\n  <\/td><td>\n  70%\n  <\/td><\/tr><tr><td>\n  Rs.20,000\/- to\n  Rs. 50,000\/- \n  <\/td><td>\n  60%\n  <\/td><td>\n  Above Rs.6 Lakhs\n  <\/td><td>\n  80%\n  <\/td><\/tr><tr><td>\n  Rs.50,000\/- to\n  Rs.2 Lakhs\n  <\/td><td>\n  65%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Rs.2 Lakhs to\n  Rs.5 Lakhs\n  <\/td><td>\n  70%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Above Rs.5 Lakhs\n  <\/td><td>\n  75%\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<ul class=\"wp-block-list\"><li>Processing fees up-to 0.50% of the loan amount plus\napplicable GST.(Minimum Rs.8,500\/- &amp; Maximum Rs.25,000\/-)<\/li><li>Nil prepayment charges.<\/li><\/ul>\n\n\n\n<p><strong>10) Mortgage\nLoan Bank Of Baroda<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Available for all borrowers (salaried\/self-employed\/NRIs) to\nmeet their immediate personal &amp; professional fund requirement against the\nmortgage of residential\/ commercial property and non-agricultural plots.(Click\nto learn more on <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/all-about-mortgage-loan\/\">mortgage loans<\/a>)<\/li><li>Also available in the form of overdraft facility. (CLICK to\nknow more on <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-all-about-mortgage-overdraft-o-d\/\">mortgage overdraft<\/a> loans) <\/li><li>Minimum loan amount for <a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\">mortgage loan<\/a> is Rs.2 Lakhs &amp; maximum\nloan amount is up-to Rs.10 Crores.<\/li><li>Maximum funding of 60% on the market value of the property. <\/li><li>Maximum loan tenure of up-to 10 years.&nbsp; (<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/loan-against-property-balance-transfer-lowest-interest-rates-in-india\/\">Check out mortgage loan\nbalance transfer @ lowest interest rates in India<\/a>)<\/li><li>FOIR (Fixed Obligation\nAgainst Income Ratio)percentage:<\/li><\/ul>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  Gross Monthly\n  Income (GMI)\n  <\/td><td>\n  FOIR %\n  <\/td><\/tr><tr><td>\n  Up-to\n  Rs.75,000\/-\n  <\/td><td>\n  50%\n  <\/td><\/tr><tr><td>\n  Rs.75,000\/- to\n  Rs.3 Lakhs\n  <\/td><td>\n  60%\n  <\/td><\/tr><tr><td>\n  Above Rs.3\n  Lakhs\n  <\/td><td>\n  70%\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<p>Compare Bank Of Baroda home <a href=\"https:\/\/www.loanfasttrack.com\/loan-against-property.html\">loan against property<\/a> with <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/icici-bank-loan-against-property-lap\/\">ICICI Bank\u2019s Loan\nAgainst Property<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Bank Of Baroda <a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\">mortgage loan interest\nrate<\/a>\nranges from 8.05% p.a. &#8211; 13.20% p.a.<\/li><\/ul>\n\n\n\n<p>(<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/loan-against-property-balance-transfer-lowest-interest-rates-in-india\/\">Check out mortgage loan\nbalance transfer @ lowest interest rates in India<\/a>)<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Unified processing charges. <\/li><\/ul>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  For Term Loan\n  <\/td><td>\n  For Overdraft\n  Loan\n  <\/td><\/tr><tr><td>\n  1%\n  on the loan amount plus applicable GST\n  <\/td><td>\n  Up-to Rs.3 Crores\n  <\/td><td>\n  0.35% of the limit.\n  (Maximum Rs.7,500\/-)\n  <\/td><\/tr><tr><td>\n  (Minimum Rs.7,500\/- &amp; Maximum\n  Rs.1,50,000\/-)\n  <\/td><td>\n  Above Rs.3 Crore\n  <\/td><td>\n  0.25% of the limit.\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<p>Click\nto know the documents required for <a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\">applying for a mortgage\nloan<\/a>\nfor <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/mortgage-loan-list-of-documents-for-salaried-customers\/\">salaried<\/a>, self employed &#8211; <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/mortgage-loan\/mortgage-loan-list-of-documents-for-self-employed-private-ltd-firm\/\">Pvt. Ltd Company<\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/mortgage-loan\/mortgage-loan-list-of-documents-for-self-employed-partnership-firm\/\">Partnership firm<\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/mortgage-loan\/mortgage-loan-list-of-documents-for-self-employed-proprietorship-firm\/\">Proprietorship Firm<\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/document-checklist-for-mortgage-loan-balance-transfer-for-salaried-customers\/\">mortgage loan balance\ntransfer for salaried<\/a>.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/loan-against-property-at-lowest-interest-rate-with-loanfasttrack\/\">Click to find out the\nlowest interest rate loan against property with <\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/loan-against-property-at-lowest-interest-rate-with-loanfasttrack\/\">Loanfasttrack<\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/loan-against-property-at-lowest-interest-rate-with-loanfasttrack\/\">.<\/a><strong><\/strong><\/p>\n\n\n\n<p><strong>Additional Read: <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/difference-between-home-loan-and-loan-against-property\/\"><strong>Difference Between Home Loan &amp; Mortgage Loan<\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<p><strong><em>For\nthe latest Bank Of Baroda LAP interest rate call on 9321020476 or login to<\/em><\/strong><strong><em> <\/em><\/strong><a href=\"https:\/\/www.loanfasttrack.com\/index.html\"><strong><em>Loanfasttrack<\/em><\/strong><\/a><strong><em>.<\/em><\/strong><\/p>\n\n\n\n<p><strong>11) Baroda Ashray Reverse Mortgage\nLoan<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Ashray reverse mortgage loan\nis a mortgage loan for senior citizens of India above 60 years (spouse 55 years\nin case of joint loans) to meet their post retirement expenses, day-to-day\nexpenses, medical expenses, etc. against the mortgage of their self-occupied and\nself-owned residential property (commercial property not allowed). <\/li><li>Maximum tenure is 15 years.\n(The tenure may further be extended till survival of the borrower subject to\nadvance value of the property.)<\/li><li>Maximum loan amount inclusive\nof interest is up-to Rs.1 Crore (subject to value of the property).<\/li><li>Property insurance needs to\nbe taken by the borrower regularly.<\/li><li>Reverse mortgage interest\nrate applicable is 9.20% p.a.<\/li><li>Processing fees 0.20% of the\nloan amount, maximum of Rs.10,000\/-<\/li><li>Processing charges are waived\n100% on all Bank of Baroda\u2019s home loans and top-up loans.<\/li><\/ul>\n\n\n\n<p><a href=\"https:\/\/www.loanfasttrack.com\/blog\/?s=reverse+mortgage\">Click to get complete\ninformation on reverse mortgage.<\/a><strong><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bank Of Baroda Home Loan Tax\nBenefits&nbsp; <\/strong><\/h3>\n\n\n\n<p>Income\ntax benefit on home loan is available on both interest paid as well as on the\nprincipal amount repaid by the borrower.<\/p>\n\n\n\n<p>Exemption on home loan, as per the Indian Income Tax Act, 1961: <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The principal repaid can be claimed for home loan tax deduction under section 80C of the Income Tax Act up-to Rs.1.5 Lakhs p.a. <\/li><li>Interest on housing loan deduction &#8211; <br>=> The interest paid can be claimed for income tax exemption on home loan as deduction under section 24 of Income Tax Act up-to Rs.2 Lakhs p.a. for the property ready to move\/self-owned by the borrower.<br>=> Home loan interest exemption of Rs.30,000 if construction is not completed within five years.<br>=> For home loans up-to Rs.35 Lakhs &amp; cost of the properties up-to Rs.50 Lakhs, an additional housing loan tax exemption on interest of up-to Rs.50,000 is applicable on the interest paid for first time home buyers.<br>=> Housing loan interest exemption for rented properties- <\/li><\/ul>\n\n\n\n<p>Entire interest amount can be claimed in a year for\nthe property which is rented out by the borrower subject to the maximum\nexemption limit of Rs.2 Lakhs for the interest paid.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bank Of Baroda Home Loan Documents\nList <\/strong><\/h3>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  <strong>SR.\n  No.<\/strong>\n  <\/td><td>\n  <strong>Documents\n  Required<\/strong>\n  <\/td><td>\n  <strong>For\n  Salaried <\/strong>\n  <\/td><td>\n  <strong>For\n  Self-Employed<\/strong>\n  <\/td><\/tr><tr><td>\n  1\n  <\/td><td>\n  KYC\n  <\/td><td>\n  Pan CardAadhar CardLatest Passport size\n  photographOffice proof Residence Proof\n  \n  \n  \n  \n  <\/td><td>\n  Pan CardAadhar CardLatest Passport size\n  photographOffice proof Residence Proof\n  \n  \n  \n  \n  <\/td><\/tr><tr><td>\n  2\n  <\/td><td>\n  Income Documents\n  <\/td><td>\n  4 months Salary Slips6 months Bank Account\n  Statement2 years From 16\n  \n  \n  <\/td><td>\n  3 years ITR with Saral Copy, Balance Sheet,\n  P&amp;L Account, Capital Account \u2013 CA certified12 months bank account statements of all bank\n  accounts savings + current account\n  \n  <\/td><\/tr><tr><td>\n  3\n  <\/td><td>\n  Property Documents \n  <\/td><td>\n  Prior Chain of AgreementOC\/CC + approved plansIndex 2Share CertificateSociety Registration CopyProperty Tax Receipt\n  \n  \n  \n  \n  \n  <\/td><td>\n  Prior Chain of AgreementOC\/CC + approved plansIndex 2Share CertificateSociety Registration CopyProperty Tax Receipt\n  \n  \n  \n  \n  \n  <\/td><\/tr><tr><td>\n  4\n  <\/td><td>\n  Additional Documents for <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-balance-transfer-lowest-rate-for-6-95p-a\/\"><strong>home\n  loan transfer<\/strong><\/a>\n  <\/td><td>\n  LOD Outstanding Balance Letter18 months repayment track\n  record\n  \n  \n  <\/td><td>\n  LOD Outstanding Balance Letter18 months repayment track\n  record\n  \n  \n  <\/td><\/tr><tr><td>\n  5\n  <\/td><td>\n  Other Documents\n  <\/td><td>\n  Duly signed Bank Of Baroda\n  home loan application formProcessing fees cheque\n  \n  <\/td><td>\n  Duly signed BOB home loan\n  application form Processing fees cheque&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \n  \n  <\/td><\/tr><tr><td>\n  6\n  <\/td><td>\n  For NRI Home Loan\n  <\/td><td>\n  Please\n  refer to the link &#8211; \u201c<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/nri-list-of-documents-for-applying-home-loan\/\">https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/nri-list-of-documents-for-applying-home-loan\/<\/a>\u201d.\n  <\/td><\/tr><tr><td>\n  7\n  <\/td><td>\n  Refer\n  to the links for a detailed Bank Of Baroda home loan checklist.\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-salaried-list-of-documents-resale-case\/\">Documents required for resale case<\/a>\n  &nbsp;\n  <\/td><td>\n  Documents required for resale case:\n  &nbsp;<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-list-of-documents-for-self-employed-proprietorship-firm-resale-case\/\">Proprietorship firm<\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-list-of-documents-for-self-employed-private-limited-company-resale-case\/\">Private Ltd. Company<\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-list-of-documents-for-self-employed-partnership-firm-resale-case\/\">Partnership Firm<\/a>\n  \n  \n  <\/td><\/tr><tr><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-salaried-list-of-documents-builder-case\/\">Documents required for builder case<\/a>\n  <\/td><td>\n  Documents required for builder case:\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-list-of-documents-for-self-employed-proprietorship-firm-builder-case\/\">Proprietorship firm<\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-list-of-documents-for-self-employed-private-limited-company-builder-case\/\">Private Ltd. Company<\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-list-of-documents-for-self-employed-partnership-firm-builder-case\/\">Partnership Firm<\/a>\n  \n  \n  <\/td><\/tr><tr><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-balance-transfer-list-of-documents-for-salaried\/\">Documents required for home loan\n  balance transfer<\/a>\n  <\/td><td>\n  Documents required for home loan balance transfer for:\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-balance-transfer-list-of-documents-for-self-employed-proprietorship-firm\/\">Proprietorship Firm<\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-balance-transfer-list-of-documents-for-self-employed-private-limited-company\/\">Private Limited\n  Company<\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-balance-transfer-list-of-documents-for-self-employed-partnership-firm\/\">Partnership Firm<\/a>\n  \n  \n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<p>Click\nto know <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-housing-loan-in-india\/\">housing loan interest\nrates of different banks<\/a> and to know <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/home-loan-interest-rates%ea%98%a1compare-rates-of-top-banks\/\">which bank has the\nlowest home loan interest rate<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Similar Banks Offering Home Loans<\/strong><\/h3>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/why-choose-icici-bank-home-loans\/\"><strong>ICICI\n  Bank<\/strong><\/a><strong><\/strong>\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/why-choose-hdfc-ltd-home-loan\/\"><strong>HDFC\n  Ltd.<\/strong><\/a><strong><\/strong>\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/canara-bank-home-loan\/\"><strong>Canara\n  Bank<\/strong><\/a><strong><\/strong>\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/sbi-home-loan\/\"><strong>SBI\n  Bank<\/strong><\/a><strong><\/strong>\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/axis-bank-home-loan\/\"><strong>Axis\n  Bank<\/strong><\/a><strong><\/strong>\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/bank-of-india-boi-home-loan\/\"><strong>Bank\n  Of India<\/strong><\/a><strong><\/strong>\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<table class=\"wp-block-table aligncenter\"><tbody><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong><em>Click For The Latest Bank Of Baroda\n  Home Loan Offers<\/em><\/strong><\/a><strong><em><\/em><\/strong>\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<p>Loanfasttrack\nis a Mumbai based loan provider company since 2015 offering loan services in\nMumbai on&#8211; <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>housing loan in\nMumbai<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong>mortgage loan in\nMumbai<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\"><strong>personal loan in\nMumbai<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\">,<\/a><a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"><strong>business Loan in\nMumbai<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/business-loan.html\"><strong>unsecured\nbusiness loans<\/strong><\/a>,<a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>home loan transfe<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>r<\/strong><\/a>, top-up loans, <a href=\"https:\/\/www.loanfasttrack.com\/car-loan.html\"><strong>car loans<\/strong><\/a> and <a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>loan transfers<\/strong><\/a>. Loanfasttrack is a direct sales\nassociate with leading banks namely, ICICI Bank, HDFC Ltd, Canara Bank, Citi Bank,\nPiramal Housing Finance, etc.<\/p>\n\n\n\n<p>Visit<a href=\"http:\/\/www.loanfasttrack.com\"> <\/a><a href=\"http:\/\/www.loanfasttrack.com\"><strong>www.loanfasttrack.com<\/strong><\/a>. <\/p>\n\n\n\n<p>Seek\nexpert advice on <strong>9321020476<\/strong>. <\/p>\n\n\n\n<p>You\ncan also email on <a href=\"mailto:info@loanfasttrack.com\"><strong>info@loanfasttrack.com<\/strong><\/a>.<\/p>\n\n\n\n<p>Loanfasttrack\u2019s\nspecialized services includes providing:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-housing-loan-in-india\/\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-housing-loan-in-india\/\"><strong>best bank for home\n<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-housing-loan-in-india\/\"><strong>loan<\/strong><\/a><strong>.<\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-mortgage-loan-in-india\/\"><strong>Best Banks For Mortgage Loan In India<\/strong><\/a><strong><\/strong><\/li><li>Assured low interest rates\nfor<a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong>loan against\nproperty in Mumbai<\/strong><\/a>.<\/li><li>Lowest<a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>home loan rates in\nMumbai<\/strong><\/a><strong>.<\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\"><strong>Instant loan in\nMumbai<\/strong><\/a><strong>.<\/strong><\/li><li>Instant <a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\"><strong>personal loan in Mumbai<\/strong><\/a> &amp;<a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"><strong>business loan in\nMumbai<\/strong><\/a><\/li><li>Low cost<a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>home loan balance\ntransfer<\/strong><\/a>.<\/li><\/ul>\n\n\n\n<p><strong>Additional Read<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/how-to-apply-online-for-home-loan-mortgage-loan-loan-transfers-by-loanfasttrack\/\"><strong>How To Apply Online For Home Loan, Mortgage Loan &amp; Loan\nTransfers \u2013 By Loanfasttrack<\/strong><\/a><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/housing-loan-benefits-for-women-borrower-in-india\/\"><strong>Housing Loan Benefits For Women Borrowers In India<\/strong><\/a><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/know-how-to-deal-with-the-increasing-interest-rates-of-housing-loans\/\"><strong>Know How To Deal With The Increasing Interest Rates Of\nHousing Loans<\/strong><\/a><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/everything-you-must-know-before-purchasing-a-land-availing-the-land-loans\/\"><strong>Everything You Must Know Before Applying For A Housing Loan<\/strong><\/a><strong><\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/is-pre-emi-better-than-full-emi-find-out-yourself\/\"><strong>Is pre-EMI is better than full EMI<\/strong><\/a><strong><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bank Of Baroda Is Rated As One Of The Top Nationalized Banks In India. Home loan Baroda Bank is available for all eligible borrowers with EMIs starting from \u20b9655 per lakh. Bank Of Baroda current home loan interest rate starts from 6.85% p.a. over extended loan tenures up to 30 years with processing fees starting &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[],"class_list":["post-464","post","type-post","status-publish","format-standard","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts\/464","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/comments?post=464"}],"version-history":[{"count":1,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts\/464\/revisions"}],"predecessor-version":[{"id":466,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts\/464\/revisions\/466"}],"wp:attachment":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/media?parent=464"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/categories?post=464"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/tags?post=464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}