Top Up Loans at Attractive Interest Rates

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Top Up Loan Eligibilty Calculator

Sometimes dreams need a little extra help. With HDFC Bank's Top Up Loans you can celebrate your personal or professional milestones such as marriage, a dream vacation, business expansion, debt consolidation etc. with super ease and minimal new documentation. Let your dream fuel more dreams.

15000 10000000
1 30
6 15
0 10000000

Your Loan Eligibility Amount is

11,86,698

Top Up Loan Key Features

Special Offer for Central Govt. or State Govt. Employee

Quick and Easy Processing

Easy Documentation

Easy Balance Transfer

No Pre-payment Charges

Customized Quote

Low Processing Charges

No Hidden Charges

Top Up Loan Interest Rate

STANDARD TOP UP LOAN RATES

Adjustable Rate Top Up Loans

All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 6.50%

Loan Slab (Outstanding Home Loan + Top Up Loan) Interest Rates (% p.a.)

Top up for existing customers

Policy Repo Rate + 3.65% to 4.20% = 10.15% to 10.70%

Loan Slab (Balance Transfer + Top Up Simultaneous Loan) Interest Rates (% p.a.)

For all loan amounts

Policy Repo Rate + 3.20% to 3.75% = 9.70% to 10.25%

*The above ROI/EMI is applicable for loans under the Adjustable Rate Home Loan Scheme (Floating Interest rate) of HDFC Bank and is subject to change at the time of disbursement. The rates above are variable in nature and linked to HDFC Bank's Repo Rate and shall fluctuate according to the movement in the same. All loans at the sole discretion of HDFC Bank.

To read terms & Conditions, Click Here

Frequently Asked Questions

Here are a few questions that will answer most of the queries that you may have.

When you apply for a home loan, the lender considers –

Your income and loan repaying capacity to determine loan eligibility

Other factors include your age, retirement age, financial position, credit history, credit score

Enhance your borrowing ability by –

  • Adding an earning family member as co-applicant.
  • Availing a structured repayment plan.
  • Ensuring a steady income flow, regular savings and investments.
  • Furnishing details of your regular additional income sources.
  • Keeping a record of your variable salary components.
  • Taking actions to rectify errors (if any) in your credit score.
  • Repaying ongoing loans and short terms debts.

Borrowing for your home purchase is an attractive proposition

A home loan is preferable to other loans because of –

  • lower interest rates
  • added assurance on property documentation
  • it helps in maintaining liquidity for interiors work etc.
  • tax benefits

Still apprehensive?

  • Take insurance to cover the outstanding loan
  • Take a joint home loan

Refinancing your Home Loan makes sense when the new lender –

  • offers a lower rate of interest
  • offers a higher loan amount
  • permits switch from fixed to floating/adjustable interest rate
  • permits reduction in loan tenure
  • permits reduction in EMI
  • offers better terms and service

Don’t refinance if –

  • costs don’t justify it
  • you are nearly through with your loan repayment

Whether you are salaried or self-employed, you can get a home loan.

Terms for both kinds of applicants are the same.

Only difference usually is in the set of documents to be submitted for home loan.

Earnings and creditworthiness are the key factors to determine loan eligibility.

Top Up Loan Key Features

Special Offer for Central Govt. or State Govt. Employee

Quick and Easy Processing

Easy Documentation

Easy Balance Transfer

No Pre-payment Charges

Customized Quote

Low Processing Charges

No Hidden Charges

Top Up Loan Eligibilty Calculator

Sometimes dreams need a little extra help. With HDFC Bank's Top Up Loans you can celebrate your personal or professional milestones such as marriage, a dream vacation, business expansion, debt consolidation etc. with super ease and minimal new documentation. Let your dream fuel more dreams.

15000 10000000
1 30
p.a
6 15
0 1 Cr

Your Loan Eligibility Amount is

11,86,698

Top Up Loan Interest Rate

STANDARD TOP UP LOAN RATES

Adjustable Rate Top Up Loans

All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 6.50%

Loan Slab (Outstanding Home Loan + Top Up Loan) Interest Rates (% p.a.)

Top up for existing customers

Policy Repo Rate + 3.65% to 4.20% = 10.15% to 10.70%

Loan Slab (Balance Transfer + Top Up Simultaneous Loan) Interest Rates (% p.a.)

For all loan amounts

Policy Repo Rate + 3.20% to 3.75% = 9.70% to 10.25%

*The above ROI/EMI is applicable for loans under the Adjustable Rate Home Loan Scheme (Floating Interest rate) of HDFC Bank and is subject to change at the time of disbursement. The rates above are variable in nature and linked to HDFC Bank's Repo Rate and shall fluctuate according to the movement in the same. All loans at the sole discretion of HDFC Bank.

To read terms & Conditions, Click Here

Frequently Asked Questions

Here are a few questions that will answer most of the queries that you may have.

When you apply for a home loan, the lender considers –

Your income and loan repaying capacity to determine loan eligibility

Other factors include your age, retirement age, financial position, credit history, credit score

Enhance your borrowing ability by –

  • Adding an earning family member as co-applicant.
  • Availing a structured repayment plan.
  • Ensuring a steady income flow, regular savings and investments.
  • Furnishing details of your regular additional income sources.
  • Keeping a record of your variable salary components.
  • Taking actions to rectify errors (if any) in your credit score.
  • Repaying ongoing loans and short terms debts.

Borrowing for your home purchase is an attractive proposition

A home loan is preferable to other loans because of –

  • lower interest rates
  • added assurance on property documentation
  • it helps in maintaining liquidity for interiors work etc.
  • tax benefits

 

Still apprehensive?

  • Take insurance to cover the outstanding loan
  • Take a joint home loan

Refinancing your Home Loan makes sense when the new lender –

  • offers a lower rate of interest
  • offers a higher loan amount
  • permits switch from fixed to floating/adjustable interest rate
  • permits reduction in loan tenure
  • permits reduction in EMI
  • offers better terms and service

Don’t refinance if –

  • costs don’t justify it
  • you are nearly through with your loan repayment

Whether you are salaried or self-employed, you can get a home loan.

Terms for both kinds of applicants are the same.

Only difference usually is in the set of documents to be submitted for home loan.

Earnings and creditworthiness are the key factors to determine loan eligibility.

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