A top-up on Home Loan is a convenient way to borrow an additional amount, without the hassle of paperwork.
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While the Home Loan top-up interest rate would depend on your profile and credit history, it is typically always lower than Personal or Gold Loans.
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Once you have paid 12 instalments without missing one, you are qualified to borrow an additional top-up on your Home Loan.
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Get tax deductions of up to ₹30,000 (under Section 80C & 24), if top-up amount is used for renovating or reconstructing a self-occupied home.
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When should you take a Home Loan top-up?
If you need access to instant cash, for home renovations, child’s studies, or if needed, even for a medical emergency.
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While a Home Loan top-up can help you with instant disbursal, you can only borrow a limited sum on your Home Loan, with a tenure that depends on your bank.
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With the right support, you can make your dream home a reality. Get started with IDFC FIRST Bank Home Loans today!