Baroda UP Bank has a bunch of home loans to help you
Home Purchase Loan: Get cash to buy a house that's already built
or still being worked on, even if it's not brand new.
Home Construction Loan : Get money to build a house on land you
already own.
Land Purchase + Construction Loan: If you need to buy land and
build a house within a set time, this one’s for you.
Home Improvement/Repair Loan: Fix up, renovate, or add on to your
current home with this loan.
Balance Transfer and Top-Up Loans: Move your home loan from
another bank to Baroda UP Bank and get extra funds on top of that.
PMAY Loan: government-supported loans that make homes affordable
if you fit the requirements.
Baroda UP Bank Loan Scheme allows customers to select the most appropriate loan,
whether they are purchasing, building, or improving homes.
Baroda UP Bank Home Loan Interest Rates
The bank offers competitive floating and fixed interest rates that vary by profile and loan
scheme. Below is a highlight of the Baroda UP Bank home loan tenure:
| Applicant Category |
Interest Rate (p.a.) |
Loan Tenure |
Processing Fee |
| Salaried & Women Borrowers |
From 8.60% to 10.50% |
Up to 15 years |
As per bank norms; nominal fees apply |
| Self-Employed / Professionals |
From 8.60% to 10.50% |
Up to 15 years |
As per bank norms; nominal fees apply |
The interest rate structure is designed to offer affordability while considering risk profiles
and lending norms. Processing fees are kept low to ensure ease of loan acquisition.
Processing fees and eligibility criteria at Baroda UP Bank
Processing Fee - They have a small processing fee, which is
usually just a percentage of the total loan. It's paid upfront. The bank maintains its costs
well, so there aren't any surprises, and you can plan your finances well.
Who Can Apply:
Age: You need to be between 21 and 65 years old, and the loan
needs to be paid off before you retire.
Income : The income should be reliable, whether you're on a
salary or work for yourself.
Job history : If you are salaried, they usually want you to have
been at your job for at least a year. If you are self-employed, it's usually three years.
Credit Score : They will check your credit history. Usually, a
CIBIL score of 675 or higher is what they are looking for.
Co-Applicants: You can have someone apply with you, which can
help you borrow more.
How Much They Lend : Usually, they will finance up to 90% of the
property's value, but it depends on the valuation and your overall profile.
What you need to get your Baroda UP Bank home loan sorted
ID and proof : You need PAN card, Aadhaar, passport, voter ID, or
driver's license.
Address Proof: A utility bill, Aadhaar, passport, or bank
statement will do.
Age Proof : Need birth certificate, PAN, passport, or school
leaving certificate.
Income Proof -
Income Information: If you are salaried, grab your last 6 months
of salary slips, Form 16, and bank statements. If you are self-employed, we need your IT returns
and audited financials from the last 2-3 years.
Property Documents : Sale agreement, title deed, approved plan, a
NOC from the builder or society, and a valuation report.
Photos : A recent passport-size photo.
Processing Fee: A check to cover the fee, based on your loan
amount.
Getting all this right will make the whole approval thing a lot faster.
How to apply for a Baroda UP Bank Home Loan through
TyTil
TyTil makes getting a loan easy online.
Go to TyTil and choose UP Gramin Bank home loan.
Check out Loan Stuff - Look at loan info, rates, and payment tools on
TyTil .
Apply and fill out the online form with your info, income, and property details.
Upload your documents.
Get expert help and guidance if you have any questions.
Follow Your Application and Get updates on your loan as it goes.
Get Your Loan: Once approved, the money goes to you.