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What is a Home Loan Top-Up?

A home loan top up is a facility offered by lenders under which a borrower can take an additional loan over and above their existing home loan. The home loan top up facility is available only for existing home loan borrowers without the need for any additional security or guarantee. A top up loan on a home loan is a multi-purpose loan that can be used for any purpose.

 

For example, if the property builder overshoots the initial budget and you need money to fulfill this price gap, you can opt for a housing loan top up. With Tata Capital, you can avail of a home loan top up and pay for your various requirements, such as buying furniture, extending or renovating your house, and planning the interiors of your house.

Why Should You Go for a Home Loan Top-Up?

A top-up loan on a home loan allows you to avail of financing at lower interest rates and meet your additional financial requirements. Here are the reasons why you opt for a housing loan top up:

  • Fund All Your Financial Requirements

    By availing of a home loan top up amount, you can meet your various personal or professional requirements with ease. Top-up loans are multi-purpose loans, which means that there are no restrictions on their end uses.

  • Relatively Lower ROI Than Other Sources of Finance

    At times, you may need financing to tackle an emergency or any other purpose. Availing of a top-up loan is the best solution during such times. Home loan top up interest rates are generally lower than other unsecured modes of financing, such as personal loans and credit cards.

  • Quick Sanction and Disbursal

    Home loan top-ups are provided to existing customers of lenders and are generally pre-approved. That is why lenders take no time to sanction and disburse top up loan on home loan. This ensures that you don’t have to wait for long to get access to finances in the hour of need.

  • Use it as You Need it

    Another benefit of availing of a housing loan top up is that you can use it as per your requirements. You can apply for a home loan top up amount as per your precise needs and you will have to pay the EMIs only for the amount you’ve borrowed.

  • Easy to Repay

    You can use a home loan top up amount to fund your various requirements, and then you can repay the amount in easy EMIs. The repayment of a top-up loan doesn’t put any additional burden on your monthly budget.

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Who Can Get a Top-Up Loan?

The eligibility for top up home loan varies from one lending institution to another. Therefore, you must confirm your home loan top-up eligibility with your lender before approaching it for a top-up on your home loan.To get a top-up home loan with Tata Capital, you must fulfill the following eligibility criteria:

  • You must be an existing customer with us. This means that you must have already taken a home loan from Tata Capital

  • Your home loan payment history should not reflect any outstanding dues or defaults on EMIs

  • You should have a good credit score, preferably over 750

Note that our home loan top up eligibility may differ from case to case based on the customer’s profile. Hence,

you may need to fulfill some additional eligibility requirements to avail of a home loan top-up with us.

How to Apply for a Home Loan Top-Up?

Applying for a home loan top up with Tata Capital is easy and convenient. All that you have to do is follow the steps mentioned below:

1

Apply for top-up

Choose how you want to apply for a home loan top-up - online, via phone call, or via WhatsApp.

2

Personal details

Tell us about your personal, employment, and financial details.

3

Check Eligibility

Check your home loan top up eligibility and home loan top up interest rate.

4

Top-up loan amount

Mention the home loan top up amount that you want to borrow.

5

Home loan details

Furnish the details of your existing home loan.

6

Submit documents

Submit the necessary documents and fees involved

Once you complete these steps, your home loan top-up amount will be transferred directly into your bank account.

 

More Home Loan products for you

Home Loan for government employees

With Tata Capital, you can apply for a home loan for government employees in a few easy steps and get housing finance at competitive interest rates.

Home Loan for self-employed

With Tata Capital, you can apply for a home loan for self employed in a few easy steps and get housing finance at competitive interest rates.

Home Loan for women

With Tata Capital, you can apply for a home loan for women in a few easy steps and get housing finance at competitive interest rates. 

What our customers say about us

Overall the experience was good and hope to continue the same. Also Tata Capital executive were nice and polite from the beginning.

Prasenjit Sen

Loan Against Property | 13 January, 2023

Thank you TATA Group for making India proud with all your hassle free and excellent services, Thanks Team

PRAMOD LINGSHETTY PATIL

Personal Loan | 31 December, 2022

I want to thank Tata Capital for giving Loan, During the process I was kept updated. Wanted to thank Tata Capital executive for answering my queries and keeping me updated on Status. Thank you

G BHASKAR

Personal Loan | 30 December, 2022

This is surprisingly easiest way to avail personal loan. I am completely happy with the service provided. Thank you team TATA CAPITAL!

Venugopal Raju

Personal Loan | 28 December, 2022

I was impressed with the way your staff handles their customers and if i come accross any family or friend who may be looking for any financial assistance, I shall surely recommend Tata capital

SHEELA AVINASH PATEL

Business Loan | 24 December, 2022

One of the best Mobile App, Tata capital only took 3-4 working day for loan approval.

ARJUN KUMAR

Personal Loan | 23 December, 2022

The services of Tata Capital is very good.. Approval process, loan charges are not hidden, every aspect was explained to me by Tata Capital executive before taking loan, very good transparency. Keep it up..

Prasanna Shriram Agashe

Personal Loan | 10 December, 2022

Excellent customer service with clarity and politeness. Thanks to TATA Capital having wonderful field staff.

S hari Haran

Two Wheeler Loan | 08 December, 2022

I am very happy that I got timely loan in my worst time.

THAKOR BHIMABHAI SHANKARJI

Personal Loan | 07 December, 2022

Find the right Loan for you

Affordable Housing Loan

  1. At Tata Capital, we believe that every single person, regardless of their financial background, deserves a home to call their own.

With this vision, Tata Capital Housing Finance offers affordable home loans at competitive interest rates. 

Affordable Housing Loan

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Home Extension Loan

  1. As the years go by and your family continues to grow, does your house feel smaller?

Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.

Home Extension Loan

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Home Loan for Self-Construction

Instead of buying a ready-to-move-in house, you can choose to purchase a piece of land and construct your house on it brick by brick. 

A home loan for self-construction or simply a home construction loan is a special type of home loan given to help borrowers construct their own house on a piece of land or plot.

Home Loan for Self-Construction

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Home Loan Top-up

A home loan top-up is a facility offered by lenders under which a borrower can take an additional loan over and above their existing home loan.

The home loan top-up facility is available only for existing home loan borrowers without the need for any additional security or guarantee.

Home Loan Top-up

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Home Loan Overdraft

At times, you may need additional funds to tackle your personal or business expenses. 

With Tata Capital’s home loan overdraft facility, you can avail of a home overdraft loan limit of up to Rs. 2 crores. You can withdraw funds from this overdraft housing loan limit as per your needs and then pay it back at your convenience.

Home Loan Overdraft

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Quick Cash

Quick Cash loan is a unique Pre-Approved personal finance top-up linked to your existing Tata Capital Housing Finance Limited (TCHFL) loans. This loan is only for existing TCHFL Home Loan and Home Equity customers.

Apart from its unique features, it also offers other advantages such as faster processing, and a paperless journey, notwithstanding that all this could be availed in just a few clicks at your convenience any day 24*7.

Quick Cash

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Balance Transfer

  1. A home loan balance transfer, or simply a home loan transfer, takes place when you transfer your outstanding home loan amount to a new lender from your existing lender.

With Tata Capital Home Loan Balance Transfer, you can transfer your outstanding home loan balance to affordable interest rates. Our home loan interest rates start from just 8.95% per annum*.

Balance Transfer

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