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DOWNLOAD THE TATA CAPITAL APPThe Tata Capital app allows you to apply for a new loan or manage your existing loan anytime, anywhere! Click on the link below to download the app.
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
HOME LOANS WITH INSTANT APPROVALS UP TO RS. 5 CRORES
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
USE THE TOOL NOW!
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
HOME LOANS WITH INSTANT APPROVALS UP TO RS. 5 CRORES
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
USE THE TOOL NOW!
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
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AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
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Home loan top-up is a facility provided by lenders under which a borrower can take an additional sum of money as loan over and above his existing home loan. Moreover, home loan top-ups are a safety net during moments of emergencies. For example – If the property builder overshoots the initial budget, prices may rise and to meet the price gap, a home loan top-up is the easiest and the most seamless option.
The following are the benefits of opting for a home loan top up –
Lower Interest Rates – Relatively lower interest rates are the primary reason for choosing home loan top-ups
Longer Tenure – Home loan top-ups also come with longer tenure options which helps in lowering monthly EMIs and also results in higher loan eligibility
Tax Benefits – For purposes of home repair or construction, even for the education of your children, you can avail tax benefits on your home loan top-up
Debt Consolidation – Another major benefit of top-up loan is that it can be used to close existing unsecured loans that may have high interest rates
To get a top-up home loan, you must meet the following eligibility criteria –
You must be an existing customer. Meaning, you must have already taken a home loan from Tata Capital
The payment history of your existing home loan should be free from defaults
You should have a good CIBIL or credit score, preferably over 750
The standard documents required for a top-up home loan are as follows -
Age Proof documents – valid Passport/Driving License/PAN Card/Birth Certificate/ Life Insurance Policy/School Leaving Certificate
Identity Proof documents – Voter ID/Passport/Driving License/Aadhar Card/PAN Card
Address Proof documents – Utility Bills/Bank Statements/Property Registration Documents/Property Tax Receipt/Voter ID Card
Business Proof documents – Registration Certificate for Commencement of Business/copy of the last two years’ Income Tax Returns
Income Proof documents – Last six months’ operative current account statement/copy of the last three years’ P/L Projection Statement/Bank statements for the last six months of CC, OD facilities (if taken)
Existing Loan details – to be provided via bank statements
Processing Fee Cheque – to be issued from your business account
KYC Documents
Disbursal Request Letter
Latest coloured photograph
Home loan application form
Photocopy of PAN Card
Note – The documents required may differ from case to case on the basis of the customer profile. For pre-approved top-up loans, document requirements will be minimal.
Applying for a top-up loan is easy. Simply follow the following steps –
Step 1 – Choose your mode of application – online or via a phone call
Step 2 – Fill in your personal, employment, and financial details in the application form
Step 3 – Enter in the top-up loan amount
Step 4 – Enter in the details of your existing home loan
Step 5 – Submit the necessary documents and fees involved
And that is all it takes to apply for a home loan top-up!
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