Top-up Loan: Overview

A Top-up Loan is a handy refinancing option for borrowers who already have an existing Home Loan and would now like to seek additional funding along with better lending terms on their ongoing Home Loan. A top-up can be facilitated through a Home Loan Balance Transfer, wherein you transfer your Home Loan balance to Bajaj Housing Finance for a more competitive interest rate.

When you opt for a balance transfer, you have the option to avail of a Top-up Loan of Rs.1 Crore* or higher, based on your eligibility – giving you access to a sizeable loan sanction as well as letting you save on your total Home Loan cost.

The Top-up Loan sanction comes at a relatively low interest rate compared to unsecured loans, such as a personal loan. Further, it is free of end-use restrictions and can be used to meet any financial need. If refinancing is your top priority, look no further than the Bajaj Housing Finance Top-up Loan.


Top-up Loan: Features and Benefits

With a Bajaj Housing Finance Top-up Loan, here are the benefits that follow:

Loan Amount of Rs.1 Crore*

Top-up on your ongoing Home Loan with sanctions as high as Rs.1 Crore*, or even more. The amount will be sanctioned based on your eligibility and application verification.

Competitive Interest Rate

Secure ample funding for any big-ticket expense you have at a competitive interest rate. Eligible salaried and professional borrowers can get a Top-up Loan starting at 9.80%* p.a., along with other favourable terms.

Unrestricted End-Use

As the loan amount comes with zero end-use restrictions, you can use it to address expenses of all kinds, such as home renovation.

Ease of Application

The entire application process for a Home Loan Balance Transfer and refinancing can be initiated and completed online through our Home Loan application form. Expect easy and hassle-free processing through our doorstep document pick-up services.


Top-up Loan: Interest Rate, Fees and Charges

Our attractive interest rate is one of the prime benefits of seeking a Top-up Loan from us. It lets you address costs not covered by your Home Loan with an economic approach.

Eligible applicants who are salaried and professionals can enjoy a sizeable loan sanction starting at just 9.80%* p.a. and repay the amount at their pace.

If you wish to know the other fees and charges of a Top-up Loan, click here.

*Terms and conditions apply

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