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Easy and flexible loan repayment options.
Top up Loan
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Key Features
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Eligibility
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Charges
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Warning Box
Top up Loan : Key Features
- Higher limit, up to AED 5,000,000.
- Repayment period allowed up to the residual period of the existing home loan.
- Low interest rate.
- Low processing fee.
- No hidden charges.
- Interest charged on a daily reducing balance.
Top up Loan : Eligibility
- Existing home loan borrowers with a satisfactory account conduct.
- 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/-
Top up Loan : Charges
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Processing Fees-1.00% of loan amount max – AED 25,000/- |
Top up Loan : Warning Box
Debt Management Tool/Guidelines as per the Consumer Protection Standards of CBUAE
Notice! |

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What is a Top-up loan, and how does it differ from a regular personal loan?
Top-up loans are additional loan amounts available on existing personal loans, offering lower interest rates and faster disbursement. They are exclusively offered to existing customers with a strong repayment history. Standard personal loans, on the other hand, are standalone loans.
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Who is eligible for a top-up loan, and what are the eligibility criteria?
Eligibility for Bank of Baroda UAE top-up loan.
- Existing clients with a home loan or personal loan
- Satisfactory repayment track record.
- Minimum income requirements.
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What are the documents required to apply for a Top-Up loan?
Documents required for top-up loan application include:
- Completed application form.
- Copy of Emirates ID or passport.
- Bank statements showing loan instalments.
- Evidence of income.
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Who can apply for a Top up Loan?Existing Home loan borrowers of Bank of Baroda with a satisfactory account conduct.
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What is the maximum amount I can borrow under this scheme?
You can borrow max. Up to AED 5 Million
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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.
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Do you offer early settlement for a Top-Up loan
Yes, you can repay your Top up loan before maturity of loan
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What is the charge for early settlement?
We charge 1.00% + VAT on the outstanding loan amount, up to a maximum of AED 10,000, as an early settlement fee.