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Vijaya Bank Home Loan Customer Care Number

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Updated: 28-11-2024 11:24:01 AM
Note: As of 1st April, 2020, Vijaya Bank has been merged with Bank of Baroda and no longer operates as a separate entity. Please check the Bank of Baroda home loan customer care page for updated information.

Toll Free No: 1800 425 5885 / 1800 425 9992

Vijaya Bank is a government bank that offers financial and banking solutions to the customers. Among the many financial products Vijaya Bank offers home loan and housing loan solutions to its customers. You can contact Vijaya Bank Home Loan Customer Care through the below listed means:

  • Resident Indians can contact Vijaya Bank at these toll free numbers:1800 425 5885, 1800 425 9992
  • Vijaya Bank Home loan borrowers can also contact Vijaya Bank Home Loan department at the nearest branch of the bank.
  • Non Resident Indians (NRIs) can contact Vijaya Bank for Home Loan queries at nricell@vijayabank.co.inand at the telephone no.: +91-80-25584066.

Vijaya Bank, Head Office 41/2,
M. G. Road Bangalore – 560001

Vijaya Bank Home Loan can be used by the applicants for the following purposes:

  1. Construction of flat/house
  2. Purchase of residential flat/house
  3. Repairs, renovation and improvement of existing residential building
  4. Expansion of pre-owned residential building
  5. Purchase of site and construction of house thereon
  6. Appropriation of housing loan from other banks/financial institutions
  7. Loan for reimbursement of purchase price of recently purchased house/flat i.e.  within  3 months from the date of registration of flat/house
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Important Points to Note about Vijaya Bank Home Loan

Important Points to Note about Vijaya Bank Home Loan

  • You can apply for a Home Loan with Vijaya Bank, if you are aged between 21 years and 65 years.
  • Moreover you will be granted a home loan by Vijaya Bank only if you can completely repay your loan by 75 years of age.
  • Vijaya Bank Home Loan department is also giving an option of switching over to Marginal Cost of funds-based Lending Rate home loans (MCLR home loans) from Base Rate-linked home loans by paying a switch over fees.
  • Home Loans offered by Vijaya Bank are term loans, i.e. they have to be repaid in regular payments over a set period of time.
  • The minimum amount of home loan which you can apply for at Vijaya Bank is Rs.1 lakh and the maximum amount of home loan at Vijaya Bank is dependent on the bank’s assessment of the borrower.
  • Moreover, for repairs and renovations, you can apply for a maximum loan of Rs.20 lakhs with Vijaya Bank.
  • While evaluating your home loan application, Vijaya Bank considers mainly these three factors a) 75 months of your gross monthly income, b) Whether minimum Loan-to-Value (LTV) ratio has been maintained or not. c) The applied limit.
  • While calculating the minimum take-home stipulation of the borrower-applicant, Vijaya Bank follows these three slabs: a) If your annual income is within Rs.10 lakhs, then your minimum take-home stipulation is 30%, b) If your annual income is above Rs. 10 lakh and up to Rs. 50 lakh then your minimum take-home stipulation is 20% and c) If your annual income is above 50 lakhs, then your minimum take-home stipulation is 10%.
  • The home loan interest rate offered by Vijaya Bank is 8.75% onwards and the processing fees and charges for home loan applications are 0.50% of the amount sanctioned with minimum of Rs. 1,000 + GST and maximum of Rs. 20,000 + GST.
  • There will also be a one-time inspection charge on home loans ranging up to Rs.10 lakh, this charge will be Rs. 2000 + GST. For loans above Rs. 10 lakh, the processing fees and other charges are Rs. 4000 + GST.
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