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WorksheetsRetail asset
Total questions: 102
Worksheet time: 51mins
Name
Class
Date
1.
The salaried applicant/co-applicant (whose income is considered for Home Loan eligibility) should be employed for a minimum period of ______
a)
6 months
b)
1 year
c)
2years
d)
3 years
e)
no such period
2.
The applicant/co-applicant (whose income is considered for Home Loan eligibility) who is non-salaried should be engaged in the business for a minimum period of ______
a)
6 months
b)
1 year
c)
2years
d)
3 years
e)
no such period
3.
The applicant/co-applicant (whose income is considered for Home Loan eligibility) who is NRI/PIO/OCA having job contract/work permit/employed/self-employed and staying abroad for the minimum past ______
a)
6 months
b)
1 year
c)
2years
d)
3 years
e)
no such period
4.
What is the minimum Gross Annual Income required per annum for an NRI to be eligible for applying Baroda Home Loan?
a)
`2 lacs
b)
`3 lacs
c)
`4 lacs
d)
`5 lacs
e)
no such stipulation
5.
As per scheme guidelines, what is the maximum limit of Home Loan in our Bank? Clue – (Mumbai – `10 Cr, Other Metros – `5 Cr, Urban – `3 Cr, Semi urban/Rural – `1 Cr)
a)
`1 Cr
b)
`3 Cr
c)
`5 Cr
d)
`8 Cr
e)
`10 Cr
6.
In which of the following Metro cities, Home Loan limit can be considered @`10.00 Cr?
a)
lhi
b)
Mumbai
c)
Chennai
d)
Kolkata
e)
all the above
7.
What is the maximum limit for Home Loan in other metros (except Mumbai) as per Scheme guidelines?
a)
`1 Cr
b)
`2 Cr
c)
`3 Cr
d)
`5 Cr
e)
`10 Cr
8.
Under Risk based pricing, Bank can consider Home Loan at 1 year BRLLR if borrower’s CIBIL
a)
Only 771 and above
b)
(-1) or (0)
c)
726 and above
d)
701 to 726
e)
675 and above
9.
If Gross monthly income of a salaried person is `4.00 lacs, total allowable deductions including proposed EMI of Home Loan should not exceed ______
a)
50%
b)
60%
c)
65%
d)
70%
e)
75%
10.
If Gross Annual Income of an agriculturist/professional/self employed/NRI is `5.60 lacs, what percentage of deductions can be allowed including proposed EMI?
a)
50%
b)
60%
c)
70%
d)
80%
e)
none of these, depends on CIBIL Rating
11.
What is the cut off on CIBIL score for sanction of a Home Loan or Car Loan for existing customers without taking for deviation to RMCC/ZOCC?
a)
750
b)
725
c)
701
d)
675
e)
650
12.
What is the Home Loan limit for drawing Credit Information Reports from two Credit information companies (CIBIL & Equifax)?
a)
Limit above `10 lacs
b)
Limit above `20 lacs
c)
Limit above `25 lacs
d)
Limit above `30 lacs e. none of these
13.
What is the maximum loan ceiling and repayment period for “Home Improvement loan” ?
a)
`10 lacs & 10 years
b)
`20 lacs & 10 years
c)
`25 lacs & 15 years
d)
`25 lacs & 10 years
e)
`50 lacs & 15 years
14.
What is/are the additional features added to our existing “online application system for Home Loans”?
a)
get the loan eligibility
b)
instant in-principle sanction
c)
on-line verification of customer details
d)
(a) & (b)
e)
(a) & (c)
15.
RBI has revised the LTV ratio at 90% for Home Loans upto ______ .
a)
`15 lacs
b)
`20 lacs
c)
`25 lacs
d)
`30 lacs
e)
`35 lacs
16.
Age of the principal borrower should not be less than ------- years while considering Housing Loan.
a)
18
b)
20
c)
21
d)
25
e)
30
17.
What is the maximum time allowed for completion of construction on a plot purchased under our Housing loan?
a)
12 months
b)
18 months
c)
1 year
d)
2 years
e)
3 years
18.
Out of total 168 marks of Home Loan Risk Rating model, what is the cut-off score for the eligibility?
a)
80
b)
84
c)
90
d)
96
e)
105
19.
Which of the following is/are true for reimbursement of cost of ready-built house/flat under Baroda Home Loan?
a)
Purchased within 24 months
b)
Risk rating under Home Loan model should be HL-1, HL-2 or HL-3
c)
Margin on total cost (for reimbursement) – 25%
d)
Branch to verify & keep on record relevant money receipts/bills/proof of payment
e)
All the above
20.
In housing loan, age of Co-borrower should not be less than ------- years.
a)
21
b)
18
c)
25
d)
30
e)
20
21.
If the cost of house/dwelling unit does not exceed ____ , we may add stamp, documentation and registrations charges to the cost of house for the purpose of calculating margin & LTV ratio.
a)
`5 lacs
b)
`10 lacs
c)
`15 lacs
d)
`20 lacs
e)
`25 lacs
22.
What is the maximum age limit that can be considered for the borrower under Baroda Home Loan?
a)
60 years
b)
65 years
c)
70 years
d)
75 years
e)
80 yers
23.
What is the maximum repayment period that can be considered for repayment of Housing Loan?
a)
30 years
b)
25 years c) 20 years d) 18 years e) 15 years
c)
) 20 years
d)
18 years
e)
15 years
24.
What is the maximum allowable Moratorium period for our Home Loan?
a)
12 months
b)
18 months
c)
24 months
d)
30 months
e)
36 months
25.
What is the revised margin for Home Loans above `75 lacs?
a)
0.1
b)
0.15
c)
0.2
d)
25%
e)
depends upon monthly income
26.
The minimum amount of loan under Baroda Top-up facility-
a)
`0.25 lacs
b)
`0.50 lac
c)
`1.00 lac
d)
`Rs.2.00 lac
e)
`5.00 lac
27.
How many number of times a borrower can avail Baroda Top-up loan during entire tenure of Home Loan?
a)
Once
b)
twice
c)
thrice
d)
4 times
e)
5 times
28.
The maximum amount of loan that can be sanctioned under Baroda Top-up loan is -------
a)
`10 lacs
b)
`20 lacs
c)
`100 lacs
d)
`200lac
e)
90% of principal repaid
29.
What is the stipulated margin under „Baroda Home Improvement Loan‟?
a)
10%
b)
15%
c)
20%
d)
25%
e)
30%
30.
What is the maximum limit of eligible housing loans under Credit Risk Guarantee Fund Trust Scheme (CRGFS) for low income housing in urban areas?
a)
`5.00 lacs
b)
`6.00 lacs
c)
`8.00 lacs
d)
`10.00 lacs
e)
`15.00 lacs
31.
No deviation is required in Home Loan borrower cases where Credit card status write-off/ settlement involving amount upto _____
a)
`5,000/-
b)
`10,000/-
c)
`15,000/-
d)
`20,000
e)
`25,000/-
32.
What are the charges applicable towards considering “Deviation” in home loan?
a)
`1,000/- per deviation with a maximum ceiling of `5,000/-
b)
`1,500/- per deviation with a maximum ceiling of `5,000/-
c)
`2,000/- per deviation with a maximum ceiling of `10,000/-
d)
`2,000/- per deviation with a maximum ceiling of `10,000/-
e)
`5,000/- uniform charges
33.
Home loans to individuals for purchase/construction upto _____ in metro centres (10 lacs and above population), provided the overall cost should not exceed ________ to be classified under Priority Sector.
a)
`20 lacs, `25 lacs
b)
`25 lacs, `30 lacs
c)
`28 lacs, `30 lacs
d)
`8 lacs, `45 lacs
e)
e. `35 lacs, `45 lacs
34.
Home loans to individuals for purchase/construction upto _____ in other centres ( less than 10 lacs population), provided the overall cost should not exceed ________ to be classified under Priority Sector.
a)
`10 lacs, `15 lacs
b)
`15 lacs, `20 lacs
c)
`20 lacs, `25 lacs
d)
`25 lacs, `30 lacs
e)
`25 lacs, 35 lacs
35.
The „in-principle approval given under „Baroda Pre-approved Home Loan‟ shall be valid for –
a)
1 month
b)
2 months
c)
3 months
d)
4 months
e)
6 months
36.
Upto what maximum limit a Home Loan under PMAY can be covered under Credit Linked Subsidy Scheme?
a)
`10 lacs
b)
`12 lacs
c)
`18 lacs
d)
`20 lacs
e)
`25 lacs
37.
Bank has entered into a tie-up with “SwitchMe”, an online platform to facilitate prospective customers for which of the following products?
a)
Home Loan
b)
Car Loan
c)
Mortgage Loan
d)
Personal Loan
e)
all the above
38.
Upto what extent Pre-approved top-up loan facility does not require extension of mortgage?
a)
`5 lacs
b)
`10 lacs
c)
`15 lacs
d)
`20 lacs
e)
extension of mortgage is mandatory
39.
As per revised guidelines, what is the percentage of Home Loan amount that will be fixed as the limit for the free Credit Card (BOBCARD)?
a)
5%
b)
10%
c)
15%
d)
20%
e)
25%
40.
Which of the following is our Insurance partner for Baroda Home Loan Group Personal Accident Insurance Policy (31.12.17 to 31.12.18)?
a)
India First Life Insurance
b)
National Insurance
c)
New India Insurance
d)
United India Insurance
e)
Oriental Insurance Co. Ltd.
41.
Branch to obtain last ____ Audited Balance Sheet of business activity in case of business/ self employed/ professionals for computing depreciation income.
a)
1 year
b)
2 years
c)
3 years
d)
4 years
e)
none of these
42.
What is the minimum margin stipulated by the bank for Car loan? (uniform margin for all car segments/all income levels introduced)
a)
5%
b)
10%
c)
15%
d)
20%
e)
nil margin
43.
What are the minimum gross annual income criteria for Non-Resident Indians to avail “Baroda Car Loan”?
a)
`0.50 lacs
b)
`1.00 lac
c)
`2.00 lacs
d)
`3.00 lacs
e)
`5.00 lacs
44.
What is the maximum limit for Baroda Car loan as per scheme guidelines?
a)
`20.00 lacs
b)
`30.00 lacs
c)
`50.00 lacs
d)
`75.00 lacs
e)
`100.00 lacs
45.
If Gross monthly income is `1.50 lacs and above, total allowable deductions including proposed EMI of Car Loan should not exceed ______
a)
40%
b)
50%
c)
60%
d)
70%
e)
80%
46.
What is the maximum repayment period allowed for Two Wheeler and Consumer Durable Loans?
a)
35 months
b)
36 months
c)
) 48 months
d)
60 months
e)
60 months
47.
What is the maximum limit for Two wheeler loan as per scheme guidelines?
a)
`75,000/-
b)
`1.00 lac
c)
`2.00 lacs
d)
`5.00 lacs
e)
`10.00 lacs
48.
What is the credit shield factor in case of two-wheeler loans?
a)
Vehicle insurance from our tie-up partners
b)
Term life insurance or Group credit life insurance at the choice of borrower
c)
Mandatory Term life insurance or Group credit life insurance to all borrowers
d)
Mandatory Term life insurance or Group credit life insurance for loans above `1.00 lac
e)
Mandatory Term life insurance or Group credit life insurance for loans above `3.00 lacs
49.
What is the stipulated minimum margin requirement under Two wheeler loan?
a)
10%
b)
15%
c)
10% upto loan limit of `1.00 lac and 15% beyond `1.00 lac
d)
10% upto loan limit of `2.00 lacs and 15% beyond `2.00 lacs
e)
10% upto loan limit of `3.00 lacs and 15% beyond `3.00 lacs
50.
How the repayment capacity will be arrived ie, maximum allowable deductions for a non-salaried person under Car Loan?
a)
annual salary to be converted to monthly
b)
three brackets of Average Annual Income – upto `2.40 lacs, `2.40 to `12 lacs & more than `12 lacs
c)
two brackets of Average Annual Income – upto `6.00 lacs and `6.00 lacs & above
d)
three brackets of Average Annual Income – upto `3.00 lacs, `3.00 to `8 lacs & more than `8 lacs
e)
two brackets of Average Annual Income – upto `5.00 lacs and more than `5.00 lacs
51.
What is the maximum pay-out that can be made to a Car dealer?
a)
0.50%
b)
1.00%
c)
1.50%
d)
2.00%
e)
2.50%
52.
What is the Service charge allowed to pay (per car loan) to Sales Executive of Car dealer?
a)
`1,000/-
b)
`1,500/-
c)
`2,000/-
d)
`2,500/-
e)
`3,000/-
53.
What is the cut off on CIBIL score for sanction of a Car Loan?
a)
800
b)
760
c)
725
d)
701
e)
660
54.
What is the cut off on CIBIL score for sanction of a Two wheeler Loan?
a)
800
b)
760
c)
726
d)
700
e)
660
55.
What is the maximum repayment period for a car loan as per scheme guidelines?
a)
36 months
b)
48 months
c)
60 months
d)
84 months
e)
120 months
56.
Which phone number is launched by GOI under SMS facility to verify Banks‟ hypothecation charge on the financed vehicle under Baroda Auto Loan – VAHAN?
a)
7778299899
b)
7738899899
c)
. 7738299899
d)
. 7338299899
e)
. 7838299899
57.
In the month of Aug 2018, Bank has launched a new scheme “Pre-Approved top-up loan facility” for which of the following existing borrowers?
a)
Home Loan
b)
Car Loan
c)
Mortgage Loan
d)
Personal Loan
e)
none
58.
What are the features of „Retention Programme under “Pre-Approved top-up loan facility for our Baroda Car Loan borrowers”?
a)
For existing identified car loan borrowers
b)
Top-up personal loan (parallel loan) and top-up car loan for upgradation can be given
c)
Minimum 12 EMIs of existing car loan pad regularly & no other loan account opened for the past one year
d)
Max age 56 years in case of Personal Loan and 53 years in case of Car Loan
e)
. All the above
59.
What is the max and min loan limit under “Top-up Personal Loan” (under pre approved top up loan for existing car loan)?
a)
`3 lacs & `1 lac b. `5 lacs & `1 lac c. `3 lacs & `2 lacs d. `5 lacs & `2 lacs e. `10 lacs & `1 lac
b)
. `5 lacs & `1 lac
c)
. `3 lacs & `2 lacs
d)
. `5 lacs & `2 lacs
e)
. `10 lacs & `1 lac
60.
What is the max and min loan limit under “Top-up car Loan” (under pre approved top up loan for existing car loan)?
a)
`5 lacs & `2 lac b. `5 lacs & `3 lac c. `10 lacs & `2 lacs d. `10 lacs & `3 lacs e. `15 lacs & `2 lac
b)
. `5 lacs & `3 lac
c)
`10 lacs & `2 lacs
d)
. `10 lacs & `3 lacs
e)
. `15 lacs & `2 lac
61.
What are the features of „Winback Programme‟ under “Pre-Approved top-up loan facility for our Baroda Car Loan borrowers”?
a)
For qualifying car loans which are closed in last 12 months
b)
. Top-up personal loan and top-up car loan can be given
c)
Minimum 12 EMIs of existing car loan pad regularly & no other loan account opened for the past one year
d)
Max age 56 years in case of Personal Loan and 53 years in case of Car Loan
e)
. All the above
62.
What is the maximum age limit (including repayment period) that can be considered for the borrowers of our “Auto Loan” Product?
a)
60 years
b)
65 years
c)
68 years
d)
70 years
e)
none
63.
In which of the following products, 100% collateral is stipulated irrespective of the sanctioned limit?
a)
Baroda Gyan
b)
Baroda Scholar
c)
Baroda Career development
d)
) Baroda Vidya
e)
) No such scheme
64.
What is the maximum limit as per scheme guidelines under Baroda Scholar Loan?
a)
`20 lacs
b)
`30 lacs
c)
. `40 lacs
d)
. `50 lacs
e)
. `80 lacs
65.
What are the margin stipulations under Baroda Scholar Loan?
a)
Upto `4 lacs nil and above `4 lacs 15%
b)
More than `10 lacs 15%
c)
Nil margin for any amount of loan in listed Institutes, upto `4 lacs in non-listed Institutions and 10% for above `4 lacs in the Institutions not listed
d)
5% for listed Institutes and 10% for Institutes not listed
e)
. Uniformly made 10% for any limit
66.
What is the upper ceiling for Medical & Aviation Education under Baroda Gyan Scheme in our Bank?
a)
`30 lacs
b)
`40 lacs
c)
`50 lacs
d)
`60 lacs
e)
`80 lacs
67.
What is the upper ceiling for courses other than Medical and Aviation Education under Baroda Gyan Scheme in our Bank?
a)
`10 lacs
b)
`15 lacs
c)
`20 lacs
d)
`25 lacs
e)
`30 lacs
68.
What are the margin stipulations under Baroda Gyan Loan beyond `4.00 lacs?
a)
NIL
b)
5%
c)
7.50%
d)
10%
e)
15%
69.
What is the repayment period stipulated under Baroda Gyan and Baroda Scholar?
a)
Loans upto `4.00 lacs moratorium period + max 120 instalments and loans beyond `4.00 lacs moratorium period + max 180 instalments
b)
Loans upto `4.00 lacs moratorium period + max 84 instalments and loans beyond `4.00 lacs moratorium period + max 120 instalments
c)
Loans upto `7.50 lacs moratorium period + max 120 instalments and loans beyond `7.50 lacs moratorium period + max 180 instalments
d)
Loans upto `7.50 lacs moratorium period + max 84 instalments and loans beyond `7.50 lacs moratorium period + max 120 instalments
e)
Moratorium period + max 180 instalments
70.
Our Bank considers deviation for disbursement in loans sanctioned to students pursuing courses in certain countries before grant of VISA, subject to authorization given by RMCC. Which of the following are those countries? (i) UK (ii) Australia (iii) New Zealand (iv) China
a)
(i) & (ii)
b)
(ii)
c)
(ii) & (iii)
d)
(iii) & (iv)
e)
(i) & (iii)
71.
Which of the following is/are made mandatory for lodgment of interest subsidy claims under Education Loans for students?
a)
Date of Birth
b)
. PAN card
c)
Aadhar number
d)
(a) & (c)
e)
(a) (b) & (c)
72.
Who is the sanctioning authority for staff related Educational Loans for relatives of Senior Officers (Scale IV and above) for a limit of `15.00 lacs? i) As per DLP of the respective Senior Officer ii) Regional Manager iii) RMCC iv) Branch Heads in V & VI v) Zonal Head vi) ZOCC
a)
(i)
b)
(ii) or (iv)
c)
(iii) or (iv)
d)
(v)
e)
(vi)
73.
Under Baroda Gyan, our Bank has a tie-up with”Asia Pacific Flight Training Academy Ltd, Hyderabad” for commercial pilot license. What is the upper ceiling of loan?
a)
`10 lacs
b)
`20 lacs
c)
`25 lacs
d)
`30 lacs
e)
`40 lacs
74.
Under Baroda Gyan ”Baroda Education Loan to Students of Premier Institutes‟, what is the collateral free limit that has been recently enhanced for 4 Premier Institutes?
a)
`15 lacs
b)
`20 lacs
c)
`25 lacs
d)
`30 lacs
e)
`40 lacs
75.
Special interest concession of 0.50% for girl students is not available under which of the following Schemes?
a)
Baroda Vidya
b)
Baroda Gyan
c)
Loan to the students of Premiere Institutions
d)
Baroda Scholar
e)
All the Above
76.
What is the repayment period for “Baroda Career Development” other than moratorium period?
a)
36 months
b)
60 months
c)
84 months
d)
96 months
e)
120 months
77.
What is the stipulated “margin” for loan under “Baroda Career Development” scheme?
a)
5%
b)
10%
c)
15%
d)
20%
e)
25%
78.
What is the ceiling for family parental annual income to be eligible for subsidy under “Education loan interest subsidy” Scheme?
a)
`3.50 lacs
b)
`4.50 lacs
c)
`5.50 lacs
d)
`6.50 lacs
e)
`10 lacs
79.
What is the maximum loan amount for eligibility of interest subsidy under ELIS Scheme, irrespective of limit sanctioned/availed?
a)
`4.50 lacs
b)
`5.00 lacs
c)
`7.50 lacs
d)
`10.00 lacs
e)
`15.00 lacs
80.
What are the special features of “Padho Pardesh”?
a)
For overseas studies for the students belonging to minority communities
b)
. Family income shall not exceed `6.00 lacs per annum
c)
Subsidy is admissible to the max limit of `20.00 lacs
d)
. 100% interest reimbursement upto moratorium period e. All the above
e)
. All the above
81.
Upto what limit an Education loan is classified as Priority Sector irrespective of sanctioned amount?
a)
`5 lacs
b)
`10 lacs
c)
`15 lacs
d)
`20 lacs
e)
`25 lacs
82.
What is the max limit for Executive Development /Part time/ Weekend/Online Programmes offered by Premier Institutions?
a)
`10 lacs
b)
`15 lacs
c)
`20 lacs
d)
`25 lacs
e)
only full time courses covered
83.
Upto what loan limit the Executive Development /Part time/ Weekend/Online Programmes offered by Premier Institutions is collateral free?
a)
`5 lacs
b)
`10 lacs
c)
`15 lacs
d)
`20 lacs
e)
`25 lacs
84.
Krishna consultant is associated are associated with our Banks as?
a)
Tele caller Agencies for Pre approved Retail loans
b)
. Digital DSAs for mortgage based Education Loans
c)
. DSAs for all mortgage based Retail Loans
d)
Consultants for our SME business
e)
Recovery Agencies exclusively for non-mortgage loans
85.
What is the maximum loan limit under Baroda Scholar for Executive Development Programmes being offered by premier institutions abroad?
a)
`30 lacs
b)
`40 lacs
c)
`50 lacs
d)
`60 lacs
e)
`80 lacs
86.
Rate of interest for Education loans of which of the following premier institutions has been revised to MCLR?
a)
List AA
b)
List A
c)
(a) and (b)
d)
List B
e)
(a) (b) and (d)
87.
What are the minimum gross annual income (average last 3 years) criteria for Resident Indians to avail “Baroda Mortgage Loan”?
a)
`0.50 lacs
b)
`1.00 lac
c)
`2.00 lacs
d)
`3.00 lacs
e)
`5.00 lacs
88.
What are the minimum gross annual income (average last 3 years) criteria for Non-Resident Indians to avail “Baroda Mortgage Loan”?
a)
`0.50 lacs
b)
`1.00 lac
c)
`2.00 lacs
d)
`3.00 lacs
e)
`5.00 lacs
89.
What is the maximum amount of loan that a Rural branch can sanction under Baroda Mortgage Loan?
a)
) `5.00 lacs
b)
`10.00 lacs
c)
`15.00 lacs
d)
`20.00 lacs
e)
) `25.00 lacs
90.
What is the DLP for an Officer in Scale-III for sanctioning Baroda Mortgage loan?
a)
`10 lacs
b)
`20 lacs
c)
`25 lacs
d)
`50 lacs
e)
`100 lacs
91.
What is the maximum moratorium period allowed in Baroda Mortgage loan?
a)
03 months
b)
06 months
c)
12 months
d)
18 months
e)
24 months
92.
While considering Baroda Mortgage loan, normally age of the building should not exceed -------years
a)
10
b)
15
c)
20
d)
25
e)
40
93.
Which of the following is NOT true about “Baroda Mortgage Loan”?
a)
Minimum gross annual income should be `3.00 lacs for Resident borrowers
b)
. Activity clearance is dispensed with
c)
Minimum gross annual income of `5.00 lacs for the NRI borrowers
d)
. NRIs are not eligible for OD limit
e)
All all true
94.
What is the minimum amount of Overdraft/Term Loan a borrower should be considered as per scheme guidelines of “Baroda Mortgage Loan”?
a)
`50,000/-
b)
`1,00,000/-
c)
`2,00,000/-
d)
`3,00,000/-e
e)
such stipulation
95.
What is the maximum limit that can be sanctioned under „Baroda Mortgage Loan‟ as per Scheme guidelines?
a)
Metro-'3 Cr Urban-'2 Cr SU-'1 Cr R-0.50 Cr
b)
Metro-'3 Cr Urban-'1 Cr SU-'0.5 Cr R-0.25 Cr
c)
Metro-'5 Cr Urban-'3 Cr SU-'2 Cr R-0.50 Cr
d)
Metro-'10 Cr Urban-'5 Cr SU-'3 Cr R-0.25 Cr
e)
Metro-'10 Cr Urban-'5 Cr SU-'1 Cr R-0.15 Cr
96.
If Gross monthly income is `1.50 lacs and above, total allowable deductions including proposed EMI of Mortgage Loan should not exceed ______
a)
40%
b)
50%
c)
60%
d)
70%
e)
80%
97.
What is the maximum repayment period for a Term Loan sanctioned under “Baroda Mortgage Loan”?
a)
84 months
b)
96 months
c)
120 months
d)
144 months
e)
. 180 months
98.
What is the stipulated margin under “Baroda Mortgage Loan” on the realizable value of the immovable property?
a)
25%
b)
30%
c)
35%
d)
40%
e)
50%
99.
What is the minimum percentage of “turnover” in the “Baroda Mortgage OD” limits to continue the facility without any reduction in the sanctioned limits?
a)
15%
b)
20%
c)
25%
d)
30%
e)
none of these
100.
In case non-compliance of minimum stipulated turnover in the “Baroda Mortgage OD” limits, what are the repayment norms to be applied as if Baroda Mortgage Term Loan?
a)
84 months
b)
96 months
c)
120 months
d)
144 months
e)
repayment norms are not applicable in OD account
101.
In case of mortgage loan, income of co-applicants can be combined for higher eligibility, however, number of co-applicants to be restricted upto _____
a)
2
b)
3
c)
4
d)
5
e)
no such restriction
102.
Which of the following facilities cannot be considered under Mortgage Loan (for non-individual entities)?
a)
Term Loan
b)
Demand Loan
c)
Overdraft
d)
(b) & (c)
e)
(a) & (b)
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