JoyHome LoanTop Up

Easy Home Loan Top Up

better together. transfer with top up

Get Better-than-Competitors’ Deal for Home Loan 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 PropertyApproved AreaGram Pachayat / VillageFreehold / Unapproved (with sale deed)
Approve Map, Completion Certificate7.10%8.25%-
Without Approved Map House7.95%8.25%8.25%
Without Map Flat Up to 2nd Floor7.95%8.40%8.40%
Without Map Third Floor Flat7.95%8.40%8.40%
Without Map Fourth Floor Flat9.90%9.90%12.00%
Narrow Road/Gali (5-8 Feets)10.90%11.25%11.25%
Basement / Lower Ground Floor11.75%--
Without Map Fifth Floor Flat12.0012.0012.00
Parking Flat / Stilt Flat / Bacha Flat 12.5%12.5%12.5%
Stone-Slab (Kadi Pathar) Roof12.5%12.7%12.7%

How Joy Loan Provides Unbeatable Offer?

Joy LoanDST of financial institutionsCorporate Aggregators

Local business in Delhi NCR

Many citiesFew cities
Work model



Sale of leads
Sharing of client's info

No information sale

No information sale

Lead sale to many associate


LowDepend on allotted associate
Property technical challenges


Property location challenges


Property Legal challenges


Income specific challenges


Policy knowledge

Across lenders

Own company

Across lenders

Send 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 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.

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.

Top up takes ~a week's time.

Home loan balance transfer with top up takes ~2-3 weeks’ time.

Tenure can be up to 30 years depending on your age.

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).

Top up loan on home loan may have a slightly higher interest rate than base loan.

Like home loans, fixed rate home loan top up are rare to find.

For any cost escalation by a builder in project, banks can offer a top up loan on under construction property.

Apart from residential, you can get a top up a loan on commercial and industrial property.

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.

Loan EMI Calculator


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Period Payment Interest Balance

Calculator Disclaimer

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. This calculation does not constitute a quote, loan approval, agreement or advice by Joy Loan. It does not take into account your personal or financial circumstances.

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