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The interest rate may vary based on factors such as CIBIL score, income, job or business profile, loan amount, and repayment capacity. Borrowers with a good credit score and stable income may get better interest rates.
This guide covers BOB home loan interest rates, loan schemes, eligibility, processing fees, EMI, required documents, and how to apply for a home loan.
| Interest Rate | From 7.20% to 8.95% p.a. |
| Minimum Loan Amount | Rs. 30 lakh |
| LTV Ratio | Up to Rs. 30 Lakh: 90% Rs. 30 Lakh to Rs. 75 Lakh: 80% Above Rs. 75 Lakh: 75% |
| Loan Tenure | Up to 30 years |
| Processing Charges | Up to Rs. 25,000 |
| Borrower Type | Key Eligibility Factors |
|---|---|
| Salaried | Income, CIBIL, employment profile |
| Self-Employed | Income, business vintage, CIBIL |
| Self-Employed Professional | Profession, income & credit profile |
Different ways to qualify for BOB's lowest home loan rate are mentioned below:
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| Particulars | Interest Rates |
|---|---|
| For Salaried | From 7.20% to 8.95% |
| For Non-Salaried | From 7.20% to 8.95% |
| Particulars | Interest Rates |
|---|---|
| For Salaried | From 7.20%-8.95% p.a. |
| For Non-Salaried | From 7.20%-8.95% p.a. |
| Particulars | Interest Rates |
|---|---|
| For Salaried | From 7.45% to 9.20% |
| For Non-Salaried | From 7.45% to 9.20% |
| Particular | Interest Rate |
|---|---|
| Top-up Home Loan | Applicable ROI on linked Home Loan (Based on BRLLR on the date of availment of Top-up Loan) + Strategic Premium (0.25%) + 0.60% |
Note: The applicable home loan interest rate will depend on the loan amount/limit and the CIBIL score of the applicant(s).
| Product Type | Interest Rate (p.a.) |
|---|---|
| Baroda Housing Loan and Home Improvement Loan | 7.20% to 8.95%. |
| Bank of Baroda Max Savings Home Loan | Up to Rs. 75 lakh: 8.90% to 9.95%; Above Rs. 75 lakh: 9.15% to 10.20% |
| Bank of Baroda Top Up Home Loan | Applicable ROI on Home Loan + Strategic Premium + 0.50% |
Note: A risk premium of 0.05% will remain applicable for customers who do not obtain credit insurance cover.
| Particulars | Amount |
|---|---|
| Baroda Home Loan (all variants) | For all channels:
|
| Baroda Top-up Loan | 0.35%, Min: Rs.5,000/- and Max: Rs.12,500/- |
| Baroda Yoddha Home Loan | NIL, Out-of-pocket expenses: Rs. 8,500/- per property |
| Baroda Home Loan to Govt. Employees |
Loan amount up to Rs. 50.00 lakh- 50%, Min: Rs. 8,500/- and Max: Rs.15,000/- Loan amount greater than Rs. 50.00 lakh- 25%, Min: Rs. 8,500/- and Max: Rs. 25,000/- |
| Interest Rate (p.a.) | Loan Amount | Loan Tenure | EMI |
|---|---|---|---|
| 7.20% | Rs. 30 lakh | 10 Years | Rs. 35,143 |
| 7.20% | Rs. 30 lakh | 13 Years | Rs. 29,668 |
| 7.20% | Rs. 30 lakh | 15 Years | Rs. 27,301 |
| 7.20% | Rs. 30 lakh | 20 Years | Rs. 23,620 |
| 7.20% | Rs. 30 lakh | 25 Years | Rs. 21,588 |
| Interest Rate (p.a.) | Loan Amount | Loan Tenure | EMI |
|---|---|---|---|
| 7.20% | Rs. 20 lakh | 30 Years | Rs. 13,576 |
| 7.20% | Rs. 22 lakh | 30 Years | Rs. 14,933 |
| 7.20% | Rs. 25 lakh | 30 Years | Rs. 16,970 |
| 7.20% | Rs. 30 lakh | 30 Years | Rs. 20,364 |
| 7.20% | Rs. 35 lakh | 30 Years | Rs. 23,758 |
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Bank of Baroda home loan interest rates start from 7.20% p.a. and may go up to 8.95% p.a., depending on the loan scheme, loan amount, CIBIL score, income, and borrower profile.
Bank of Baroda determines its interest rates based on the CIBIL score, job profile, home loan scheme and loan amount offered to the applicants.
Floating rates are variable and change with the change in the repo rate whereas fixed rates remain constant throughout the loan tenure. Also, floating rates are usually lower than the fixed interest rates. However, applicants can opt for either of the two as per their requirement and affordability.
No, Bank of Baroda does not offer any special interest rates for its women borrowers. The female applicants can avail Bank of Baroda home loans at regular interest rates.
Bank of Baroda offers home loans with a maximum repayment tenure of 30 years. Choosing a longer tenure can reduce monthly EMI but may increase the total interest payable.
Processing charges can be up to Rs. 25,000, depending on the loan amount. Charges vary by loan type and channel, while GST and applicable out-of-pocket expenses are additional.
For loans up to Rs. 30 lakh, LTV can be up to 90%. For Rs. 30 to Rs. 75 lakh, it can reach 80%, while loans above Rs. 75 lakh can have a maximum of 75% LTV.
Yes, self-employed applicants can apply, subject to eligibility criteria. The bank considers factors such as income, business vintage, ITRs, financial statements, CIBIL score, and repayment capacity.
Maintain a strong CIBIL score, stable income, low existing debt, and make a higher down payment. Comparing current rates and choosing suitable loan options can also help.
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