Loans & Advances


Baroda Home Loan

Purpose:

For construction of new residential property

For acquisition of new/old residential property

For repair/ renovation/ extension of the existing house

For refinance of the loan already availed from any other institution.

Limit:

Upto NZD 2 million

Rate of Interest:

5.59%p.a. Floating (1.66% below Bank Base Lending Rate (BBLR); Present BBLR: 7.25% p.a.)

4.69%p.a. Fixed for one year

4.59%p.a.  Fixed for two year

Our fees and charges are subject to change from time to time. For all charges please see our service charges.

Period:

Up to 25 Years

* T & C apply

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Personal Loan for Salaried Employees

Purpose:

For acquiring consumer goods or to meet any other personal need.

Condition:

Annual income  NZD30,000  and above.

Person must maintain satisfactory  salary account with BOB (NZ) Ltd.

Limit:

Upto NZD 50,000

Repayment Period:

Maximum 36 months

Rate of Interest:

11.25% p.a. (4% above Bank Base Lending Rate (BBLR); Present BBLR: 7.25% p.a.) to 14.25% p.a. (7% above Bank Base Lending Rate (BBLR); Present BBLR: 7.25% p.a.)

Our fees and charges are subject to change from time to time. For all charges please see our service charges.

* T & C apply

Rate of interest on other Consumer Loans 

Rate of interest
Loan for professionals Floating 7.25% p.a. (@ Bank Base Lending Rate (BBLR); Present BBLR: 7.25% p.a.)
Education Loan scheme for students going abroad Floating 9.25% p.a. (2% above Bank Base Lending Rate (BBLR); Present BBLR: 7.25% p.a.) to 10.25% p.a. (3% above Bank Base Lending Rate (BBLR); Present BBLR: 7.25% p.a.)
Baroda Car Loan (Less than $15000) Floating 9.25% p.a. (2% above Bank Base Lending Rate (BBLR); Present BBLR: 7.25% p.a.) to 12.25% p.a. (5% above Bank Base Lending Rate (BBLR); Present BBLR: 7.25% p.a.)
Baroda Car Loan ($15000 or more) Floating 7.25% p.a. (@ Bank Base Lending Rate (BBLR); Present BBLR: 7.25% p.a.) to 9.25% p.a. (2% above Bank Base Lending Rate (BBLR); Present BBLR: 7.25% p.a.)

Note:

  • Terms and conditions and lending criteria apply.
  • The above rates of interest are subject to change
  • Please contact us on 0800 024 404 or visit any of our branch to clarify any further about any of these Rates of interest or to find out more about any of our consumer loans. 
  • Our fees and charges are subject to change from time to time. For all charges please see our service charges.

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 Business Loans and loans other than Consumer Loans  

  • Finance for Small and Medium size business firms (SMEs)
  • Scheme for financing Retail Traders
  • Baroda Loan / Overdraft against Property
  • Baroda Mortgage loan

Please contact us on 0800 024 404 or visit any of our branch to find out more about  loans other than consumer loans. 

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