30 Lakh Home Loan Bank of Baroda

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Bank of Baroda’s 30 lakh home loan can be used to buy, construct or renovate a home. The wide variety of home loans the bank provides can be easily repaid in Equated Monthly Instalments (EMIs).

EMI for 30 lakh home loan from the Bank of Baroda is majorly influenced by two factors: the interest rate and loan tenure. At present, the applicable interest rate starts at 8.40% p.a. on the bank’s home loan products. Further, high loan tenures will result in lower monthly repayments. Take a look at the EMIs for the loan for a time period of 10 and 20 years.

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Table of Content

1. 30 Lakh Home Loan Bank of Baroda Highlights

2. 30 Lakh Home Loan EMI for 10 Years by Bank of Baroda

3. 30 Lakh Home loan EMI for 20 years by Bank of Baroda

4. 30 Lakh Bank of Baroda Home Loan Fees and Charges

5. 30 Lakh Bank of Baroda Home Loan Documents Required

6. 30 Lakh 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

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

30 Lakh Home Loan Bank of Baroda – Highlights

Bank of Baroda offers a home loan for 30 lakh at the following terms and conditions.

Maximum Loan Amount	₹ 30,00,000
Maximum Loan-to-Value Ratio (LTV)	90%
Maximum Loan Tenure	Up to 30 Years
Rate of Interest (p.a.)	8.40% – 10.60%

30 Lakh Home Loan EMI for 10 Years by Bank of Baroda

A borrower borrowing the loan for a time period of 10 years will be required to pay the following monthly reinstallments.

Loan Amount	30 lakh
Rate of Interest (p.a.)	8.40%
Loan Tenure	10 Years
EMI	₹37,035

30 Lakh Home loan EMI for 20 years by Bank of Baroda

A 30 lakh home loan from Bank of Baroda for a term of 20 years can be repaid by the following monthly instalments.

Loan Amount	30 lakh
Rate of Interest (p.a.)	8.40%
Loan Tenure	20 Years
EMI	₹25,845

30 Lakh Bank of Baroda Home Loan – Fees and Charges

Apart from interest rates, the Bank of Baroda levies additional fees and charges on its home loans. Some of the prominent charges are listed below:

Processing Fee: Unlike many other banks, no processing fee is charged by the Bank of Baroda.
Upfront Fee: The bank also offers concessions on upfront fees.
GST: An 18% Goods and Services Tax is applicable on all other bank services related to the loan.
Other Charges: Verification charges, stamp duty and legal charges are some other fees payable by the borrower.

30 Lakh Bank of Baroda Home Loan – Documents Required

Bank of Baroda 30 lakh home loan borrowers must submit the following documents to apply for the loan successfully.

Duly filled loan application form with passport-size photograph
PAN Card (mandatory)
KYC Documents: Identity Proof (Aadhar Card/ Voter ID, etc.) and Residence Proof (Utility bills/ Aadhaar Card etc.)
Asset and Liabilities Statement
Income Proof: Salary slips for Salaried applicants/ Balance Sheet and P&L account for self-employed applicants
Property Documents: Sale Agreement, Blueprint, Commencement Certificate etc.

30 Lakh Bank of Baroda Home Loan – Eligibility Criteria

The following candidates are eligible for a Bank of Baroda 30 lakh home loan.

Eligible Candidates: Self-Employed/ Salaried Individuals
Age Limit: 21-70 years
Residential Status: Indian residents/ NRIs with Indian Passports/ Overseas Citizens of India (OCI)

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