The provided document is the official Bank of Baroda Home Loan Application Form (for Resident Indians) (home-loan-… pp. 1, 12). This comprehensive form captures profile data, financial status, and legal consent needed to evaluate and secure a long-term property loan (home-loan-… pp. 4, 15).

• Biometric & Demographic Data: Applicants must fill the sections using clear BLOCK LETTERS, stick a recent passport-size photograph, and supply standard identity factors including full name, PAN number, Date of Birth, and Gender (home-loan-… pp. 1, 12).
• Residential Tracking: You must list your present address, permanent address, and record how many years you have lived at your current location (home-loan-… pp. 1, 12). You must also specify whether you changed residences over the last 3 years (home-loan-… pp. 1, 12).
• Institutional Association: The form profiles any prior relationship with the bank, tracking if you are an internal staff member and mapping any active Bank of Baroda branch account numbers (home-loan-… pp. 1, 12).

• Employment Categories: Applicants must declare their occupational bracket as Salaried, Self-Employed, Professional, Housewife, or Others (home-loan-… pp. 1, 12).
• Corporate Details: Salaried applicants must supply employer names, department data, and years of service (home-loan-… pp. 2, 13). Self-employed professionals (e.g., Doctors, CAs, Engineers, Lawyers) must detail company structure and operational history (home-loan-… pp. 2, 13).
• Cash Flow Tracking: You are required to submit an exhaustive financial breakdown, including gross monthly income, tax savings, loan repayments, rent paid, and total household liabilities (home-loan-… pp. 2-3, 12-13).
• Asset Auditing: The application requests a declaration of existing assets, spanning other owned immovable lands or buildings, life insurance policy values, investments (shares, debentures, term deposits), and durable consumer items like vehicles or electronics (home-loan-… pp. 3-4, 13-14).

The bank applies a non-refundable Unified Processing Charge that covers legal vetting, valuer evaluation, bureau reports, and CERSAI filing costs (home-loan-… pp. 10, 17). It operates under a tiered cap scheme (+ GST) (home-loan-… pp. 10, 17):

• Loans Up to ₹50 Lakhs: 0.50% of the loan value, subject to a minimum of ₹7,500 (upfront) and capped at a maximum of ₹12,500 (home-loan-… pp. 10, 17).
• Loans Above ₹50 Lakhs: 0.25% of the loan value, subject to a minimum of ₹7,500 (upfront) and capped at a maximum of ₹20,000 (home-loan-… pp. 10, 17).
• Loan Takeovers: Set at a flat upfront rate of ₹7,500 (home-loan-… pp. 10, 17).
• Note: The bank enforces a zero-penalty clause for premature closure or partial prepayments (home-loan-… pp. 10, 17).

• Group Insurance Scheme (Annexure 1B): Includes an entry path for the IndiaFirst Life Insurance (IFLIC) plan (home-loan-… p. 18). It allows the upfront single insurance premium to be integrated directly into your overall loan balance and settled via step-up Equated Monthly Installments (EMIs) (home-loan-… p. 18).
• Pre-Approved Credit Card (Annexure C): Home loan applicants gain exclusive access to apply for a specialized co-branded BOBCARD credit card (home-loan-… p. 20). Processing completes automatically as an add-on benefit once your underlying home loan is formally approved (home-loan-… p. 20).

To verify the application parameters, the customer must submit self-attested documents including (home-loan-… pp. 10, 17):

• Identity, age, and address credentials (PAN card, Passport, Driving License, or Voter ID) (home-loan-… pp. 10, 17).
• Bank statements tracking the last 6 months of transactional history (home-loan-… pp. 10, 17).
• Income Tax Returns (ITR) covering the preceding 3 years (home-loan-… pp. 10, 17).
• A minimum of 3 months of salary slips for salaried employees, or 3 years of audited Balance Sheets/Profit & Loss logs for business applicants (home-loan-… pp. 10-11, 17).
• Certified copies of the target property documents and a check covering the upfront processing fee (home-loan-… pp. 11, 17).

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