Sometimes dreams need a little extra help. With HDFC Bank's Top Up Loans you can celebrate your personal or professional milestones such as marriage, a dream vacation, business expansion, debt consolidation etc. with super ease and minimal new documentation. Let your dream fuel more dreams.
I am
A Top Up Loan is an
additional
loan
provided by a housing finance company on an existing home loan, with minimal new
documentation.
Sometimes dreams need a little extra help. With HDFC Bank's Top Up Loans you can
celebrate
your
personal or professional milestones such as marriage, a dream vacation, business
expansion,
debt consolidation etc. Let your dream fuel more dreams.
A Top Up Loan is an additional
loan
provided by a housing finance company on an existing home loan, with minimal new
documentation.
Sometimes dreams need a little extra help. With HDFC Bank's Top Up Loans you can
celebrate
your
personal or professional milestones such as marriage, a dream vacation, business
expansion,
debt consolidation etc. Let your dream fuel more dreams.
18-70 years
Salaried / Self Employed
Resident Indian
Up to 15 years
Higher loan eligibility with an earning co-applicant.
Lower interest rate on adding a female co-owner as co-applicant.
Top Up Loans can be availed for personal and professional needs(other than for speculative purposes) like marriage, Child's education, business expansion, debt consolidation etc.
All customers with an existing Home Loan, Home Improvement Loan or a Home Extension Loan can apply for a Top Up Loan. New customers availing of our Balance Transfer loan can also additionally avail a top up loan from HDFC Bank. You can apply for a Top Up Loan after 12 months' of the final disbursement of your existing Home Loan and upon possession / completion of the existing financed property.
The maximum Top Up Loan that you can avail of is equivalent to your originally sanctioned loan amount of all the Home Loans put together orRs.50 lacs, whichever is lower. This is further subject to the cumulative outstanding loans plus the Top Up being offered not exceeding an overall cap of 80% for cumulative exposure up toRs.75 lacs & 75% if the cumulative exposure is overRs.75 lacs of the Market Value of the mortgaged property, as assessed by HDFC Bank.
You can avail a top up loan for a maximum term of 15 years or till your age of retirement ,whichever is lower.
Security of the loan would generally be security interest on the property being financed by us and / or any other collateral / interim security as may be required by us.
Yes. Top loan can be availed in addition to a balance transfer loan from HDFC Bank.
You can find a checklist regarding documents required and applicable fees & charges on https://www.hdfc.com/checklist#documents-charges
Security of the loan would generally be security interest on the property being financed and / or any other collateral / interim security as may be required by HDFC Bank
All the information contained herein above is for awareness and customer convenience and is intended to only act as an indicative guide about HDFC Bank’s products and services. For detailed information about HDFC Bank’s products and services kindly visit the nearest HDFC Bank branch.
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