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Top - Up Loans


This product offers an existing resident Indian customer a loan against the mortgage of the existing property. It helps in encashing the investment in a house without having to dispose it off to fund various needs related to Higher Education, Purchase of Furniture, Business Requirements, etc. Max top up loan amount can be equivalent to the home loan already sanctioned subject to an upper cap of Rs 25 lacs. This is further subject to an overall cap of 70% of the market value of the mortgage property as assessed by HDFC.

The maximum term can be upto 180 mths. Top up loans can be given after 1 to 2 years [based on our discretion], of the final disbursement of the existing loan or upon possession/completion of the existing financed property.

If the topup loan is being granted on a self-occupied property, the Interest Rate on the Topup loan amount will be 25 basis points higher than the Home Loan Rates on the respective slabs considering the home loan outstanding and the topup loan as the composite loan amount. For eg : if home loan outstanding is Rs 27 lacs and a fresh topup of Rs 10 lacs is sanctioned, home loan rate as applicable on a sum of Rs 37 lacs will be applicable to the topup loan amount of Rs 10 lacs. (For current home loan slabs and rates, please refer to the Home Loan Page.) If the topup is being granted on a property that has been rented out, the rate of interest applicable will be 25 bps higher than that calculated as per logic above.


Upto 0.5% of the Loan amount or Rs. 2000/- whichever is higher + applicable Service Tax & Surcharge