Your trusted partner for dreams coming true.


Easy and flexible loan repayment options.

  • Key Features
  • Eligibility
  • Charges
  • Warning Box

$name : Key Features

  • Higher limit up to AED 5000000
  • Repayment period allowed up to residual period of existing Home loan
  • Low interest rate
  • Low Processing Fee
  • No Hidden Charges
  • Interest charges on Daily Reducing Balance

$name : Eligibility

  • Existing home loan borrowers having satisfactory conduct in account
  • For constructing, purchasing or renovating a house for owner occupier or investment purpose
  • Age
  • Minimum – 21 years
  • Maximum- For salaried Class - 65- years at loan maturity For Others – 70- years at loan maturity
  • Limit - Min. – AED 100000/- Max  -AED 5000000/-

$name : Charges

Interest Rate

350 bps over 3 months EIBOR.

Processing Fees-1.00% of loan amount max – AED 25,000/-

$name : Warning Box

Debt Management Tool/Guidelines as per Compliance of Consumer Protection Standards of CBUAE

WARNING:
- If you do not keep up your repayments/payments, you may lose your property
- You may have to pay penalties if you pay off a loan/financing early
- Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit
- If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future

Frequently Asked Questions (FAQs)

  • Who can apply for a Top up Loan?

    Existing Home Loan borrowers of Bank of Baroda having satisfactory Conduct in account

  • What is the maximum amount I can borrow under this scheme?

    You can borrow max. Up to AED 5 Million

  • What is the Maximum Period up to which I can avail Top Loan?

    You can avail Top up Loan maximum up to residual period of existing Home Loan.

  • Do you offer early settlement of Top up Loan?

    Yes, you can repay your Top up loan before maturity of loan

  • What is the charge for early settlement?

    We charge 1.00% + VAT of the outstanding Loan amount up to a max. of AED 10,000 as an early settlement fee.

X
We use cookies (and similar tools) to enhance your experience on our website. To learn more on our cookie policy, please click here. By continuing to browse this website, you consent to our use of cookies.