Bank of Baroda Home Loan in Kochi
Last Updated : May 5, 2018, 11:22 a.m.
About Bank of Baroda Home Loan Kochi
Kochi, one of the most important cities of Kerala, is calling the new entrepreneurs to start doing the business here. Plus, there is also a salaried class that feeds on the month-on-month remuneration to take their ship along in this coastal city. Having an own home could well sit on top of the mind of the people down here. They can fulfill that temptation with a pocket-friendly home loan from Bank of Baroda. So, why not take the opportunity to know more about the bank’s home loan offer?
Bank of Baroda Home Loan Kochi at a Glance
| Particulars | Details |
|---|---|
| Interest Rate | 8.50% - 10.60% |
| Loan Amount | About 75%-90% of the property value |
| Processing Fee | 0.25%-0.50% of the loan amount Minimum Value- ₹7,500 Maximum Value- ₹20,000 |
| Prepayment Charges | NIL |
Eligibility Criteria
You must have heard the term ‘Conditions Apply’ at the end of an attractive offer. Here also, you need to meet few eligibility criteria before getting the receipt of the loan in Kochi.
- Salaried and self-employed with a minimum age of 21 years are eligible to apply for a home loan . At the same time, both salaried and self-employed need to make sure they are not over 60 years at the time of loan maturity.
- A stable source of income is a prerequisite. While salaried needs to be working for a minimum of 2-3 years, self-employed must remain in the same line of business for atleast 2-3 years.
Documentation
The bank would ask you to submit few documents pertaining to identity, address, residence and the property. This is an important job on your part as any negligence could make it tough for the bank to sanction you a home loan in Kochi. So, here check out the documents as stated below to avoid the unfortunate incident of application rejection by BoB.
| Products | Salaried | Self-employed |
|---|---|---|
| Home Loan | Identity Proof- PAN Card/Passport/Voter ID/Driving License/Aadhaar Card Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID Income Proof-Latest Salary Slips & Form 16 for Salaried Bank Account Statement for the Last 6 Months Track of any other loans, if any Property details such cost estimate of construction | Identity Proof- PAN Card/Passport/Voter ID/Driving License/Aadhaar Card Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years Bank Account Statement for the Last 6 Months Track of any other loans, if any Property details such cost estimate of construction |
Seeking more information? Visit Home Loan Kochi
Bank of Baroda Home Loan Kochi Branches
Get ready to run all the way to file your home loan application at your nearest BoB branch in Jammu by following the list below. It shows the information regarding the address, IFSC Code, MICR Code, as well as the contact details to let you visit the branch without any problem. Take a look below and find the nearest one to submit your application.
| Branch Name | Complete Address | IFSC | MICR | Contact Detail |
|---|---|---|---|---|
| Cochin | Cochin Branch, PB 222 Palace Road, Mattanchery (Ernakulam Dt.)- 682002 | BARB0COCHIN | 682012003 | 0484-2224822 |
| Ernakulam | Ernakulam Branch, Pallimukku, M G Road, Ernakulam-682016 | BARB0ERNAKU | 682012002 | 0484-2351205 |
| Ernakulam- North | Ernakulam-North Branch, 36/637 - A Bannerji Road. Ernakulam North Cochin, Ernakulam, Ernakulam- 682018 | BARB0ERNPOR | 682012007 | 0484-2366264, 2360553 |
| Kochi | Kochi Branch, 28/94, Panampilly Avenue, Panampilly Nagar, Kochi- 682036 | BARB0KOCHBS | 682012008 | 0484-2310166 |
| Vytilla | Near Welcare Hospital, S A Road ,Vytilla, Ernakulam, Kerala-682019 | BARB0VYTILA | 682012010 | 0484-2389135 |
| W. Island | W. Island Branch, Willington Island; Cochin 3. Ernakulam.Kerala, Cochin-682003 | BARB0WILLIN | 682012004 | 0484-2666660 |
| Palarivattom | First Floor, 34/1860 A, Alwaye Ernakulam Main Road, Mamangalam, Palarivattom Po, Ernakulam-682 025 | BARB0PALARI | 682012012 |
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