85 Lakh Home Loan Bank of Baroda

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Want to build your dream home and finance it the convenient way? We have got you covered. Bank of Baroda's 85 lakh home loan provides an affordable solution with flexible tenure options, competitive interest rates, and minimal fees. This loan is designed to meet the needs of a wide range of borrowers, from purchasing to renovating their dream place. Urban Money gives you a concise overview of the 85 Lakh Home Loan. Moreover, get detailed financing options and an easy application process without worrying about offline bank queues. Keep scrolling down to learn more about this 85 Lakh home loan EMI by Bank of Baroda.

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Table of Content

1. 85 Lakh Home Loan Bank of Baroda Highlights

2. 85 Lakh home loan EMI for 10 years Bank of Baroda

3. 85 Lakh home loan EMI for 20 years Bank of Baroda

4. 85 Lakh Bank of Baroda home loan Fees and Charges

5. 85 Lakh Bank of Baroda home loan Documents Required

6. 85 Lakh Bank of Baroda home loan Eligibility Criteria

Written By

Thejus KS

A mechanical engineer turned history buff with a sprinkle of financial brilliance. Thejus’s expertise comes with a unique blend of engineering precision, timelines, and the power of numerals. He knows that numbers are the pulse of our globe. Attention to detail and extensive research are the key elements of his writing.

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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.

85 Lakh Home Loan Bank of Baroda – Highlights

Here are some highlights of Bank of Baroda’s 85 Lakh home loan.

Interest Rates	Starting from 8.40% to 10.60%
Loan Amount	Up to 90% of the property amount
Loan Tenure	Up to 30 years
Eligibility	Both salaried and self-employed individuals can apply
Processing	Nil
Moratorium Period	Up to 6 months

85 Lakh home loan EMI for 10 years Bank of Baroda

For an 85 Lakh home loan EMI for 10 years by Bank of Baroda and an interest rate of 8.40%, the estimated monthly EMI would be:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest	Total Amount
85 Lakh	8.40% p.a.	10 years	Rs 1,04,934	Rs 4,092,053	Rs 12,592,053

85 Lakh home loan EMI for 20 years Bank of Baroda

For an 85 Lakh home loan EMI for 20 years by Bank of Baroda and an interest rate of 8.40%, the estimated monthly EMI would be:

Loan Amount	Interest Rate	Loan Tenure	EMI	Total Interest	Total Amount
85 Lakh	8.40% p.a.	20 years	Rs 73,228	Rs 9,074,692	Rs 17,574,692

85 Lakh Bank of Baroda home loan – Fees and Charges

Let’s take a look at the fees and charges required for an 85 Lakh home loan EMI by Bank of Baroda:

No processing fees apply, and upfront fees are discounted.
Late payment incurs a 1%-2% charge on overdue amounts.
Loans up to 6 months have no prepayment charges.

85 Lakh Bank of Baroda home loan – Documents Required

To secure an 85 lakh home loan from the Bank of Baroda, provide identity verification through PAN, Aadhaar, voter ID, or passport. Address proof requires utility bills or lease agreements. Income verification entails salary slips or tax returns, while property proof needs property-related documents like sale deeds and NOCs.

85 Lakh Bank of Baroda home loan – Eligibility Criteria

Below, we have highlighted the criteria for 85 lakh home loan eligibility in Bank of Baroda:

Individuals aged 21 to 70, Indian citizens with a minimum credit score of 600, employed for at least a year (salaried) or two years (non-salaried), can apply for loans with an LTV ratio of 75% to 95%. Co-applicants must be at least 18 years old.

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