Existing home loan borrowers can opt for additional loan amount on their existing home loan to meet their personal requirements with no end usage restriction. This additional loan amount on the existing home loan is known as top up home loan. Applicants can avail a top up of up to Rs 10 crore for tenure of up to 30 years depending on the credit profile of the applicant. No collateral is required for apply home loan top up facility.
Home Loan Top Up
Existing home loan borrowers can explore home loan top up offers by various lenders on Paisabazaar app to meet their personal financial requirements. They can check for the top up amount offered by various lenders and opt for the one that best suits your requirements.
Competitive Interest Rates
Starting 7.10% p.a.
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required

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Check Home Loan Offers Online
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Paisabazaar Exclusive Benefits
Competitive Interest Rates
Starting 7.10% p.a.
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required

Home Loan EMI Calculator
Your Monthly EMI Payment
Find Best Home Loan Offers
Compare & Choose the Best Offer
Curated Offers from Multiple Lenders
Highest Loan Approval Chances
Easy & Transparent Borrowing Process
How Can I Apply for a Home Loan Online?
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
What is a Top Up Home Loan?
Top Up Home Loan Interest Rates Offered by various Lenders
The interest rates offered to top up home loan borrowers are usually same or slightly higher than the home loan interest rates. Below mentioned are the top up home loan interest rates offered by top lenders.
| Lenders | Interest Rates (p.a.) |
|---|---|
| HDFC Bank | 8.15%-13.70% |
| PNB Housing Finance | 8.25%-11.50% |
| ICICI Bank | 7.70% onwards |
| Bajaj Housing Finance | 7.75%-10.45% |
| IDBI Bank Limited | 7.85%-11.95% |
| State Bank of India | 8.00%-10.75% |
| Tata Capital | 7.75% onwards |
| L&T Finance | 9.55% onwards |
Eligibility Criteria of Applicants Availing Home Loan Top Up
The eligibility criteria for home loan and home loan top up is usually the same. Prospective home loan top up borrowers should meet the following eligibility criteria:
| Eligibility Criteria | Details |
|---|---|
| Nationality | Resident Indian |
| Age | 18-70 years |
| Job Profile | Salaried and Self-employed |
| Minimum Monthly Income | Up to Rs 30,000 |
Documents Required for Top Up Home Loan
Below-mentioned are the documents usually required during home loan top up application. However, the documents might vary from lender to lender.
For Salaried Individuals:
For Non-Salaried Individuals:
In case of Takeover Loans:
Property Documents:
Benefits of Home Loan Top Up
How Can I Apply for a Home Loan Online?
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
FAQs
A top up home loan is an additional loan amount offered to existing home loan borrowers over and above their existing home loan to meet their personal requirements.
Existing home loan borrowers can avail top up on their existing home loans to meet their personal financial requirements, such as wedding, vacation, home renovation, education, medical emergency, etc.
Yes, lenders levy processing charges on the applicants availing top up home loan. The charges usually range from 0.50% to 1% of the loan amount.
A home loan top up increases the EMI burden on the home loan borrowers thereby increasing the interest cost. Also, top up home loans are restricted only to existing home loan borrowers.
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