3 Crore Home Loan Bank of Baroda

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Everybody wants to own a place they can call home, and Bank of Baroda's 3 Crore Home Loan can help turn that dream into a reality. The loan scheme has many features and benefits, making it an attractive option for homebuyers. Firstly, with a low-interest rate, starting from 8.40%, everyone can build their own home with this lucrative housing loan scheme. In addition, the Bank of Baroda offers an “Advantage” Home loan overdraft facility where you can save a lot of interest by using it as your savings account. Lastly, calculating the 3 Crore home loan EMIs by the Bank of Baroda allows you to finalise the best options. This is sure to give your happiness a whole new meaning.

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Table of Content

1. 3 Crore Home Loan Bank of Baroda Highlights

2. 3 Crore Home Loan EMI for 10 years Bank of Baroda

3. 3 Crore Home Loan EMI for 20 years Bank of Baroda

4. 3 Crore Bank of Baroda Home Loan Fees and Charges

5. 3 Crore Bank of Baroda Home Loan Documents Required

6. 3 Crore Bank of Baroda home loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

Reviewed By

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

3 Crore Home Loan Bank of Baroda – Highlights

Here is a quick snapshot of highlights of the Bank of Baroda’s 3 crore home loan:

Feature	Description
Loan Amount	Up to Rs. 3 crores
Interest Rate	Starting at 8.40% to 10.60%
Tenure	Up to 30 years
Processing Fee	Nil
Upfront Fee	Concessional
Factors	Income \| Financial liability \| Location
Eligibility	Salaried, non-salaried employees

3 Crore Home Loan EMI for 10 years Bank of Baroda

The EMI for a 3 Crore home loan from Bank of Baroda for a 10-year tenure at 8.40% p.a. is:

Loan Amount	Interest Rate	Total Interest Payable	Loan Tenure	EMI
3 crore	8.40% p.a.	INR 14,442,541	10 years	INR 370355

3 Crore Home Loan EMI for 20 years Bank of Baroda

The EMI for a 3 Crore home loan from Bank of Baroda for a 20-year tenure at 8.40% p.a. Is:

Loan Amount	Interest Rate	Total Interest Payable	Loan Tenure	EMI
3 crore	8.40% p.a.	INR 32,028,324	20 years	INR 258451

Please note: This amount will vary depending on the interest rate and other factors.

3 Crore Bank of Baroda Home Loan – Fees and Charges

In addition to the EMI, there are a few other charges associated with a 3 Crore home loan from Bank of Baroda:

Processing fee: Nil
Upfront fee: Concessional
Login fee: Starting from 1,500 to 10,000, varying based on your loan type
Prepayment charges: Nil for loans up to 6 months

3 Crore Bank of Baroda Home Loan – Documents Required

To apply for a 3 Crore home loan from the Bank of Baroda, you will need to submit the following documents:

Identity proof: PAN card, voter ID card, driver’s license or passport as proof of identity
Address proof: Lease agreement, bank statements, or your utility bills
Income proof: Previous Salary slips or income tax returns
Property documents: Sale deed, building approval plan, and property receipts

3 Crore Bank of Baroda home loan – Eligibility Criteria

Following are the 3 crore home loan eligibility in Bank of Baroda that you must meet:

Applicant’s age	21 years – 70 years Minimum age of co-applicant – 18 years
Citizenship	The applicant should be an Indian national
Employment type	Salaried employees – At Least 1 year of Work experience Non-salaried employees – At Least 2 years of Work experience
Loan-to-Value (LTV) Ratio	75% To 95%
Applicant’s credit score	Good – 750 and above Average – 600-750

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