Application Form for HOME LOAN
Bank of Baroda

I/We request you to grant me/us a loan facility of Rs. _____________ under Home Loan Scheme for
____________________ ________________________________________________________
To enable you to consider the proposal, I/We submit the following particulars.
Please complete all sections in BLOCK LETTERS and tick √ options wherever applicable
Name: _______________________ _______________________ __________________________
(First name) (Middle name) (Last name)
PAN/GIR No. : ____________________
Date of Birth : ______ ____ ______
(DD) (MM) (YYYY)
Age: _______ (years)
Sex : Male/Female
Marital Status:
Single/Married/Divorced/Widowed
E-mail:
___________________________________
Employment status (tick mark):
• Salaried
• Self-employed
• Professional
• House wife
• Others
Previous address:
Address: _____________________________
__________________________________
_________________________________
City: ___________ State: _______________
Pin code: ___________ ___
Present address:
Address: __________________________________
__________________________________
_______________________________ __
City: ______________ State: ________________
Pin code: ___________ ___
Phone number: (O)_____________(R) __________
Years in current address: _________________
Mobile phone no: _______________
Fax no: ___________________
Changed Residence in past 3 years :
Not Changed Once More than Once
Permanent address:
Address: __________________________________
__________________________________
_______________________________ __
City: ______________ State: ________________
Pin code: ___________ ___
Phone number: ________________
Father's/Husband's
name:
____________________
____________________
Education (tick mark):
• Matric or below matric
• Under Graduate/Higher secondary
• Graduate
• Post-graduate
• Doctorate
Banking with us (Y/N): ______
If yes, then fill the following:
Banking with us since: _______
(YYYY)
Account type: ______________
Account number: ___________
Branch name: ______________
Category:
SC/ST/OBC/OTHERS/MINORITY
COMMUNITY
No. of dependents (excluding
spouse): ________
No. of children: ________
Are you a BOB staff
(Y/N): _____
Passport No: ______________ Earning member in family,
if any (Y/N): __________
Mention branch where loan account should be opened:
Reason for choosing the branch (tick mark) • Near location of target property
• Near place of work/business
• Near place of present residence
• Branch maintains salary account
• Other: __________________
Income and expenses
Primary monthly income Other income details Monthly expenditure
Gross income: ______________
Deduction: ______________
Rent received: ______________
Agriculture: ______________
Others: _______________
Description: _______________
_______________
Loan repayment: ____________
Rent paid: _____________
Others: _____________
2
Salaried: Please tell about your work:
Employer name: ___________________________
Department: ___________________________
Address: _________________________________
_________________________________
City: ____________ State: _____________
Pin code: _________
Phone no: ______________ Extn No: ________
Fax no: ____________________
Company email: ___________________________
Designation: Executive/Managerial/Clerk
Years with employer: _________
Contact person: __________________
Name of previous employer: _________________
Retirement age: ____
Working with:
• Govt./Public sector
• Public Ltd
• Private Ltd
• Partnership
• Proprietorship
• MNC
Self-employed/Professionals: Please tell about
your work:
Name of company/firm:
_____________________________________
Activity: _______________________________
Address: _________________________________
_________________________________
City: ____________ State: _____________
Pin code: _________ Phone no: ____________
Fax no: ____________________
Company email: ___________________________
Designation: Executive/Managerial/Professional
If professional, then choose one of the following:
Doctor Architect CA
MBA Engineer Lawyer
Others: ________
Years in business/profession: _________
Contact person: __________________
Retirement age: ____
Business details:
• Private Ltd Partnership
• Proprietorship Others: _______________
Established since: ________________
Credit card details Other assets
Credit Cards Owned : ______
Card Issuer: ________
Card No. : _____________________________
• Colour TV
• Refrigerator
• Car
• Two Wheeler
• Telephone
• Cellular Phone
• Personal Computer
• Washing Machine
About bank accounts (including credit facilities, if any):
Name of
Bank
Branch Branch
telephone
number
Number of
years
account held
Account
type
Account
Number
Account
balance
(Rs.)
As on
date
Outstanding Loan details in individual name :
Source Purpose Date of
sanction
Loan
Amount
Outstanding EMI Overdue
amount, if any
Overdue
since
3
Details of other present immovable Properties
(Other than proposed as security for housing loan)
Nature of properties:
Plot of Land Agricultural Land
House/ Godowns Others
Location: Survey / House No.__________
Street / locality_______________ _________
Village/ Town__________Distt:____________
Property in whose name?____________
Area / Size of the property:
Cost (at the time of purchase): Rs._______
Present estimated market value: Rs.
Whether encumbered: If yes, give detail:
Information on Guarantor/Co-applicant (if
present)
About your Co-applicant:
Name : _______________________
Date of birth: _________________ (DD/MM/YYYY)
Father’s/husband’s name: ___________________
Relation with Applicant: _____________________
Address: ____________________________
____________________________
____________________________
City: __________ Pin code: _________
State: _______________
Occupation: _______________________
Phone/Fax: _______________________
Email: ________________________
PAN/GIR Number:________________________
Net Annual Income (Rs.): ____________________
About your Guarantor:
Name : _______________________
Date of birth: _________________ (DD/MM/YYYY)
Father’s/husband’s name: ___________________
Relation with Applicant: _____________________
Address: ____________________________
____________________________
____________________________
City: __________ Pin code: _________
State: _______________
Occupation: _______________________
Phone/Fax: _______________________
Email: ________________________
PAN/GIR Number:________________________
Net Annual Income (Rs.): ____________________
Net worth
In Rs. Applicant Co-applicant, if present Guarantor, if present
1. Total movable
2. Total immovable
3. Total assets (1+2)
4. Total liabilities
5. Net assets (3-4)
6. Amount of collaterals
Proposed Loan Details:
Tenure in Months: ____________________
Purpose: ______________________________
(a) Purchase Price (Rs): ______________
(b) Stamp Duty (Rs): ____________________
(c) Registration Fee (Rs): __________________
(d) Other (Rs): __________________________
Total (a+b+c+d) (Rs): _____________________
Outside Borrowings (Rs): ___________________
Loan Amount requested (Rs):________________
Rate of Interest %:_________________________
Floating / Fixed: ________________
Margin %: _______________________________
Details of Movable Assets in my name:
(A) Life insurance Policies
Policy No. Date of
issuance
Sum
Assured
Co. & Branch
name
Annual
Premium
Premium paid or
surrender value
Income Details:
1. Gross Monthly Income (Rs.) : _________
2. Salaried Person
(I) Monthly Basic (Rs.) : _________
(ii) % of PF deduction : _________
3. Annual Professional Tax : ________
4. For Tax Purpose
(i) Total Annual Savings under s/88:__________
(ii) 100% Rebate Amount : __________
(iii) Deduction under chapter VI A : __________
(iv) Other Rebate /Deduction claimed: _________
5. Net Annual Income of other Family members:
_____________________________________
(Excluding co applicant & Guarantor)
4
(B) Shares/ Debentures/ Term deposits / Govt Securities (NSC etc)
Co./ Bank/ Post Office Date of
Instrument
Face Value Present value Due date Whether
encumbered
(C) Other movable assets:
Descriptions Year of acquiring Purchase price Market Value Valuation date
(D) Details of Liabilities:
Details Of Loan In Firms Name/ Company’s Name where you are interested as Prop, Partner/ Director
a) Name of the Bank/ institution and its branch :______________________
b) Purpose and amount of loan/ credit facilities :______________________
c) Security / Repayment schedule :________________________________
d) Present outstanding :________________________________
e) Liabilities other than to Bank and Financial Institutions: ________________
Details of Personal Guarantee given for any person/firm. If yes, furnish details (i.e. Name of the
Bank/ Institutions, on whose behalf, amount of guarantee, present status of a/c etc.)
I enclose / Submit documentary proof in support of the above submissions.
The loan applied for as above for Rs………….(Rupees…………………………………………………………) under Direct Housing Finance
Scheme is repayable in …………..monthly instalments of Rs……………….each. I / We note that the rate of interest applicable on the loan will be
at ……..% p.a. which would be applied at quarterly / monthly interval or as applicable from time to time. I undertake to contribute
Rs……………..towards margin money being ………% of the project cost.
Further I give below particulars about myself, dependants & legal heirs
Name/Age of dependents/ Relationship with Address Occupation / Vocation
Legal heirs the borrower of Legal heirs
I/We hereby declare that all the particulars and information furnished in the application form are true, correct and complete and up-to-date in all
respects. I/We have not withheld any information. I/We confirm that I/We have had no insolvency proceedings initiated against me/us nor have
I/We ever been adjudicated insolvent. I/We also authorize Bank of Baroda or its agent to make references and enquiries relative to information in
this application which Bank of Baroda considers necessary. I/We also authorize Bank of Baroda to exchange, share, part with all information
relating to my/our loan details and repayment history information to other Banks/Financial institutions/ Credit Bureaus/Agencies as may be
required and shall not hold Bank of Baroda liable for use of this information. I/We undertake to inform Bank of Baroda regarding any change in
my/our residence/employment/Occupation/Transfer and to provide any other information that Bank of Baroda may require. I/We further agree that
my/our loan shall be governed by the rules of Bank of Baroda which may be in force from time to time. Bank of Baroda reserves the right to reject
any application without providing any reason.
I further declare that I am not a Director in any Bank. There is no litigation against the firm or me / co. in which I am the proprietor / a
partner/ a Director.
I am / was not interested as Proprietor / partner/ Director in any firm/ company whose name is listed in caution list of RBI/ ECGC.
I/we under take to bear processing, service, documentation charges etc. stipulated by the bank from time to time. I/we agree, note and
understand that Bank of Baroda shall be entitled at its sole discretion to call back, the entire loan/advance whether due and payable or not
at any time without assigning any reason and enforce its rights, remedies and securities.
Yours faithfully,
Place : __________________________________
Date __________________________________ Signature of the Applicant/s / Co - Applicant
I am willing to stand as guarantor for the above loan ( details as per enclosed sheet)
Place : ______________________________
Date : _____________________________ Signature of the Guarantor/s
-------------------------------------------------------------------------For office use only------------------------------------------------------------------------------
Warm lead No: ______________ Sales executive code:
Borrower number:_______________ Branch name and alpha code where parked :
5
Property Details Proposed for the Loan (For Office use ):
1. Stage of construction (For New Construction): Final / Intermediate / Foundation / Plot
2. Age of Building/Flat in years (For Existing Construction ) : __________________
Builder’s/Seller’s Name: _____________________________________________________________
Area details:
Total area- ____________ Sq. ft. Built up area - _____________ Sq. ft.
Location / Address:
______________________________________________________________________________
______________________________________________________________________________
6
Particulars about Co- Borrower / Guarantor (wherever applicable)
Name: Father’s / Husband’s Name:
Details of other present immovable properties (Other than proposed as security for housing loan in
case of co borrower)
Nature of properties: Plot of Land / Agricultural Land / House/ Godowns / Others
Location: Survey / House No.__________Street / locality_________________ _________
Village/ Town___________ Distt:____________
Area / Size of the property: Present market value: Rs.
Whether encumbered: If yes, give detail:
Details of Movable Assets in my name:
(A) Life insurance Policies
Policy No. Maturity
Date
Sum
Assured
Co. &
Branch name
Last premium
paid up to
Total Premium paid
or surrender value
(B) Investments(Shares/ Debentures/ Term deposits / Govt Securities like,NSC etc)
Description Face value No of units Present market value
(C) Other movable assets:
Descriptions Purchase price Market value Valuation date
(D) Details of liabilities:
Details Of Loans / advances availed from Bank’s / Institutions & other liabilities:
Name of Bank/ Institution: Purpose :
Amount of Loan P/O ___________ overdue if any.
Details of Personal Guarantee given, if any:
Name of the person on whose behalf ________________ Bank / Institution
Amount of commitment _____________ Overdue if any_____________-
Particulars of Legal Heirs:
Sr. No. Name Relationship Age Present Address
I enclose / submit documentary proof in support of the above submissions.
I further declare that the information submitted above is true and correct to best of my knowledge and
belief.
Place:
Date: Signature
FOR INFORMATION OF HOME LOAN APPLICANT :
A. UNIFIED PROCESSING CHARGES:
Unified processing charges includes processing charges, documentation charges, document
verification charges and pre & one time post sanction inspection charges to be levied as
detailed below:
Loans upto Rs. 30/- lacs : 0.50%.(min Rs 5000/-)
Loans above Rs. 30/- lacs : 0.40% (min Rs 15000/- & max Rs Rs 50000/-)
(service tax to be recovered separately in addition to above)
Charges in respect of Advocate fee for legal opinion and valuation charges are to be levied
separately in addition to above Unified Processing charges.
In case of takeover of Home loan: 0.10% (without maximum limit)
B. FULL PREPAYMENT/ PREMATURE CLOSURE CHARGES:
 No penalty is payable if loan is prepaid partly or fully from own sources.
 In other cases, @ 0.5% of balance outstanding for each year of the residual period of home
loan subject to maximum of 2.00% including any such amount prepaid in the last financial
year
C. LIST OF DOCUMENTS TO BE OBTAINED FROM THE CUSTOMER :
 Passport size photograph of all the applicants
 Residence and age verification, which may be established from the PAN card, Election ID,
Passport, Driving License or Ration card.
 Proof of Business / office address.
 Bank statements for the last six months
 Copy of IT Returns for last 3 years alongwith assessment order.
 Salary slips for last 3 months (Minimum) in case of salaried class applicants.
 Copy of LIC premium receipts, if any, and / or copies of other investments.
 Certified copies of Balance Sheets and Profit and Loss accounts, copy of IT Return alongwith
assessment orders, advance tax challans (for both company/firm and personal account) for the
last three years in case of self-employed / business category applicants
 Brief profile of the company / firm in case of self-employed applicants
 Guarantor Details
 Copy of property documents
 Cheque for unified processing charges
__________________________________________________________________
ACKNOWLEDGEMENT TO THE APPLICANT FOR APPLICATION:
We have received home loan application from Mr. ____________________________
S/o _________________________________ of ______________________________
For Rs. _________ on ________________.
Seal of the Branch / RLF For Bank of Baroda
________Branch
Date___________