Easy Home Loan Top Up
better together. transfer with top up
- Home loan top up for any purpose
- Cut interest rate with home loan balance transfer with top up
- Tenure up to 30 years for higher eligibility
- Loan up to 90% of property value
- Free quote and professional consultation
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We connect you with the right lender for your needs.
Home Loan Balance Transfer with Top Up “Better-Together”
Take full benefit of your initiative by home loan transfer with top up. Reduce interest rate, or change tenure. Wish it, have it.
Check out lower home loan top up interest rate.
| Type / Location of Property | Approved Area | Gram Pachayat / Village | Freehold / Unapproved (with sale deed) |
|---|---|---|---|
| Approve Map, Completion Certificate | 7.10% | 8.25% | - |
| Without Approved Map House | 7.95% | 8.25% | 8.25% |
| Without Map Flat Up to 2nd Floor | 7.95% | 8.40% | 8.40% |
| Without Map Third Floor Flat | 7.95% | 8.40% | 8.40% |
| Without Map Fourth Floor Flat | 9.90% | 9.90% | 12.00% |
| Narrow Road/Gali (5-8 Feets) | 10.90% | 11.25% | 11.25% |
| Basement / Lower Ground Floor | 11.75% | - | - |
| Without Map Fifth Floor Flat | 12.00 | 12.00 | 12.00 |
| Parking Flat / Stilt Flat / Bacha Flat | 12.5% | 12.5% | 12.5% |
| Stone-Slab (Kadi Pathar) Roof | 12.5% | 12.7% | 12.7% |
How Joy Loan Provides Unbeatable Offer?
| Joy Loan | DST of financial institutions | Corporate Aggregators | |
|---|---|---|---|
| Locations |
| Many cities | Few cities |
| Work model |
|
| Sale of leads |
| Sharing of client's info |
|
| Lead sale to many associate |
| Proficiency |
| Low | Depend on allotted associate |
| Property technical challenges |
| Medium | Low |
| Property location challenges |
| Medium | Low |
| Property Legal challenges |
| Low | Low |
| Income specific challenges |
| Medium | Low |
| Policy knowledge |
| Own company |
|
Local business in Delhi NCRSend your details for huge savings in your loan.
Home Loan Top Up Eligibility
Top up loan on home loan has longer tenure up to 30 year. So, home loan top up eligibility is higher compared to other loans.
home loan top up eligibility also depends on your income and profession.
- Salaried- up to 80% of net salary
- Self-employed professional- up to 100% of receipts, repayment track record, average bank balance
- Self employed non-professional – repayment track record, average bank balance, net income, gross turnover, industry margin
Send your details to check your maximum eligibility.
FAQ – Top Up Loan on H
Home Loan top up criteria / conditions
Home loan top up rules are:
1. Minimum 6 to 12 months' regular repayment
2. Loan up to 90% of property value.
3. Loan basis of income eligibility
If your bank offer lower top up loan, you can choose home loan balance transfer with top up.
Home Loan top up procedure
Housing loan top up process is simple and quick. Bank will require latest income documents and bank statements.
For home loan transfer and top up, they also need property legal chain.
Home loan top up processing time
Top up takes ~a week's time.
Home loan balance transfer with top up takes ~2-3 weeks’ time.
Home loan top up tenure
Tenure can be up to 30 years depending on your age.
Top up loan income tax exemption
Up to some limit, tax laws for home loan and top up are same.
For a top up over 100% of base home loan, you may not get home loan tax exemption. It is because, bank will issue such top up under home equity (loan against property).
Is home loan top up interest rate same as base loan?
Top up loan on home loan may have a slightly higher interest rate than base loan.
Fixed rate home loan top up
Like home loans, fixed rate home loan top up are rare to find.
Top up loan on under construction property
For any cost escalation by a builder in project, banks can offer a top up loan on under construction property.
On what kind of property I can get a top up loan?
Apart from residential, you can get a top up a loan on commercial and industrial property.
Joy Loan for home loan top up
We give you unbiased and independent advice with high, class high priority service. Contact us right now for better than competitors’ offers.
Home Loan Top Up Calculator
You can get housing loan top up up to 90% of property value (subject to financial eligibility). Check out the EMI calculator for home loan top up calculations.
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