75 Lakh Home Loan Bank of Baroda

Bank of Baroda's 75 lakh home loan is a dependable choice, providing a spectrum of benefits for eligible applicants. This financial solution encompasses competitive interest rates, flexible repayment terms, and an accelerated application process via the Urban Money website. Qualified candidates can efficiently assess eligibility, apply for the loan, and conclude the entire process within a concise 10 to 15-minute timeframe, eliminating the necessity of physical visits to bank branches. The streamlined documentation processes further optimise the borrower experience. 

If you want to learn everything there is to know about this borrower-centric financing solution, you will discover important information below.

Bank of Baroda 75 lakh Home Loan – Highlights

Bank of Baroda’s 75 lakh home loan highlights for your better understanding. 

Bank of Baroda 75 lakh Home Loan EMI for 10 Years

Following are the 75 lakh home loan EMI in Bank of Baroda for a 10-year loan tenure:

75 lakh Home Loan EMI for 20 Years Bank of Baroda

Following are the estimated 75 lakh home loan EMI for 20 years Bank of Baroda:

75 lakh Bank of Baroda Home Loan – Fees and Charges

Here are the fees and charges for the Bank of Baroda’s 75 lakh home loan:

75 lakh Bank of Baroda Home Loan – Documents Required

Following are the documents required for 75 lakh Bank of Baroda home loan. 

• Proof of Identity: Provide a valid identification document, such as a PAN card, Aadhaar card, passport, voter ID, or driving licence.
  
• Proof of Address: Furnish address verification using documents like Aadhaar card, passport, bank passbook, or utility bills such as water or electricity bills.
  
• Proof of Income: Depending on employment status (salaried or self-employed), submit Form 16, salary slips, IT returns, balance sheet, profit and loss statements, business licence, or registration certificate.
  
• Proof of Property: Submit pertinent documents based on the property type and status, including a No Objection Certificate, sale deed, allotment letter, or agreement to sell.

75 lakh Bank of Baroda Home Loan – Eligibility Criteria

Following are the 75 lakh home loan eligibility in Bank of Baroda:

• Citizenship: Applicants must possess Indian nationality.
  
• Age Requirement: Eligibility entails a minimum age of 21 years and a maximum age of 70 years at the time of loan maturity.
  
• Creditworthiness: Essential prerequisites include a robust credit profile and a positive credit history. A CIBIL score of 701 or higher is generally considered optimal.
  
• Income Stability: Applicants are required to exhibit a stable income source, whether derived from salaried employment, self-employment as a professional, or entrepreneurial pursuits.
  
• Loan-to-Value (LTV) Ratio: The loan-to-value ratio must fall within the specified range of 75% to 90%, dependent on the type and value of the intended property purchase.