Your trusted partner for dreams coming true.


Easy and flexible loan repayment options.

  • Key Features
  • Eligibility
  • Charges
  • 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
    1. Minimum – 21 years
    2. Maximum- For salaried Class - 65- years at loan maturity For Others – 70- years at loan maturity
  • Limit
    1. Min – AED 100000/-
    2. Max - AED 5000000/-

Top up Loan : Charges

Interest Rate

350 bps over 3 months EIBOR.

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!
Failure to make your repayments on time may result in the loss of your property.
Early repayment of a loan may incur penalties.
Refinancing your loan may extend the repayment period and increase the total interest/profit paid.
If you fail to meet your loan repayments, your account will go into arrears, which may negatively impact your credit rating and limit your ability to secure future financing.

Frequently Asked Questions (FAQs)

  • 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.

  • 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.
  • 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.
  • Who can apply for a Top up Loan?

    Existing Home loan borrowers of Bank of Baroda with a satisfactory account conduct.

  • 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 for a 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 on the outstanding loan amount, up to a maximum of AED 10,000, as an early settlement fee.

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