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When life calls for a little extra, HDFC Bank Home Loan Top-Up is here to help. Whether you want to build an extension, or upgrade your interiors, top-up loan offer the perfect solution. With an easy application process and minimal additional paperwork, you can quickly access the funds you need.
HDFC Home Loan Top Up Interest Rates 2025
HDFC Bank offers competitive home loan top up interest rates for your financial needs. Here are the latest top-up loan interest rates in 2025.
HDFC Special Top Up Rates
| Loan Slab | Interest Rates |
|---|---|
| Outstanding Home Loan + Top Up Loan | 9.50% p.a. – 10.40% p.a. |
| Balance Transfer + Top Up Simultaneous Loan | 9.05%p.a. – 9.95% p.a. |
HDFC Standard Top Up Rates
| Loan Slab | Interest Rates |
|---|---|
| Outstanding Home Loan + Top Up Loan | 10.15% p.a. – 10.70% p.a. |
| Balance Transfer + Top Up Simultaneous Loan | 9.70%p.a. – 10.25% p.a. |
HDFC Home Loan Top Up Eligibility Criteria
Learn the eligibility conditions to qualify for HDFC’s home loan top-up facility, including customer types and property requirements.
| Factors | Criteria |
|---|---|
| Nationality | Resident Indian |
| Age | 18 – 70 years |
| Profession | Salaried and Self Employed |
| Existing Loan Types Eligible | Home Loan/ Home Improvement Loan/ Home Extension Loan |
| New Customers | Can apply if availing a Balance Transfer Loan from HDFC Bank |
| Minimum Waiting Period | 12 months after the final disbursement of the existing Home Loan |
| Property Status Requirement | Possession or completion of the existing financed property |
Check Out: HDFC Home Loan vs. SBI Home Loan vs. ICICI Bank
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HDFC Home Loan Top Up Minimum and Maximum Loan Amount
Here’s a range of loan amounts you can avail through HDFC’s top-up facility, tailored to your existing loan and property value.
| Criteria | Condition |
|---|---|
| Maximum Top-Up Loan Amount | Originally sanctioned loan amount (all Home Loans combined) |
| ₹50 lakh | |
| Cumulative Outstanding Loans + Top-Up | Must not exceed: |
| 80% of market value for cumulative exposure up to ₹75 lakh | |
| 75% of market value for cumulative exposure exceeding ₹75 lakh |
Suggested Read: How to Apply for HDFC Bank Home Loan?
HDFC Home Loan Top Up Minimum and Maximum Tenure
HDFC Bank offers flexible tenure options for top-up loans, ensuring repayment convenience aligned with your financial goals.
| Minimum | Maximum |
|---|---|
| Till the current home loan tenure | 15 years |
Suggested Read: How to Download HDFC Home Loan Interest Certificate?
HDFC Home Loan Top Up Processing Fees
Applying for a home loan top up with HDFC involves certain processing fees that borrowers should be aware of. These fees cover the administrative costs associated with evaluating and managing the loan application.
| Category | Processing Fees |
|---|---|
| Minimum | ₹7,500 |
| Maximum | 1% of the Loan Amount |
Suggested Read: How to Reduce Processing Fees?
HDFC Home Loan Top Up Other Fees and Charges
Beyond processing fees, obtaining a home loan top up from HDFC may entail additional charges that borrowers need to consider.
| Category | Fees and Charges |
|---|---|
| Conversion of Interest Rates (Floating – Fixed Rates) | Up to ₹3,000 |
| Part Prepayment (Up to 25% of Principal Outstanding Once a Year) | No charges |
| Part Prepayment (Above 25% of Principal Outstanding) | 2.5% + GST on the amount exceeding 25% of the outstanding principal. |
| Prepayment Floating Rate Term Loans | Nil charges for individual borrowers (non-business use). Nil charges for Micro & Small Enterprises. |
| Foreclosure Charges | 2.5% of Principal Outstanding After 60 months from loan disbursement: Nil charges. |
| Penal Interest | 18% p.a. + applicable taxes on overdue installment amount |
| Conversion charges for Change in Reference rate (for existing customers) | NA |
| Annual Maintenance Charge (AMC) | NA |
| Stamp Duty & other statutory charges | As per applicable laws of the state |
| Payment Return Charges | ₹450 |
| Amortization Schedule Charges | ₹50 |
| Repayment mode change charges | ₹500 |
| Legal/Repossession & Incidental charges | At Actuals |
| Custody charges | ₹1,000 per month beyond 60 days from the date of closure of all loans/facilities linked to the collateral. |
| Revision in spread | 0.1% of Principal Outstanding OR ₹3,000 whichever is higher Per proposal |
| Charges for Non Adherence of ESCROW Account of Sanction Terms | 2.00% p.a. on outstanding principal |
| Charges for Non-Compliance of Sanction Terms | 2.00% p.a. + taxes |
| CERSAI Charges | ₹100 |
| Document Retrieval charges post Disbursement | ₹75 per document |
Suggested Read: How to Prepay HDFC Home Loan?
HDFC Home Loan Top Up: Documents Required
Submitting a home loan top up application with HDFC necessitates the provision of specific documents to verify the borrower’s identity, property details, and financial standing. Here’s a list of documents required:
For Salaried Individuals
| Document Type | Examples/Requirements |
|---|---|
| Proof of Residence | Ration Card, Telephone Bill, Electricity Bill, Voter’s ID Card |
| Proof of Identity | Voter’s ID Card, Employer’s Card |
| Bank Statement/Passbook | Latest Bank Statement/Passbook showing salary/income credited for the previous 6 months |
| Salary Slip | Salary slips for the previous 6 months (showing deductions) |
| Form 16 | For the previous 2 years |
| Property Documents | Copies of all documents for the property to be pledged |
For Self-Employed Professionals/Individuals
| Document Type | Examples/Requirements |
|---|---|
| Financial Statements | Certified Financial Statements for the previous 3 years |
| Proof of Residence | Ration Card, Telephone Bill, Electricity Bill, Voter’s ID Card |
| Proof of Identity | Voter’s ID Card, Employer’s Card |
| Bank Statement/Passbook | Latest Bank Statement/Passbook showing salary/income credited for the previous 6 months |
| Property Documents | Copies of all documents for the property to be pledged |
Suggested Read: HDFC Home Loan Customer Care
Seamless, quick, and easy. Get your HDFC Home Loan Top-Up now!
Conclusion
HDFC Bank’s Loan Against Property presents a viable solution for individuals looking to tap into their real estate assets without losing ownership. At Credit Dharma, we make this possible by offering lowest guaranteed Loan Against Property interest rates that keep your monthly payments manageable, allowing you to enjoy more of what truly matters.
But that is not it. We offer:
- Guaranteed up to 100% funding
- Receive lifetime assistance and expert guidance long after your loan is approved.
- Enjoy a fully digital process with minimal paperwork
- Get your loan approved within just 1-2 weeks.
Frequently Asked Questions
A minimum of 12 months of payment on your existing home loan is required. This allows our legal and technical experts to ensure that you are comfortably able to repay your home loan EMIs.
Yes, you can avail of a top-up loan when you transfer your existing home loan to HDFC.
The top-up amount typically depends on the repayment history, the outstanding loan amount, and the property value. HDFC evaluates these factors to determine the permissible top-up amount.
The processing time for a home loan top-up application is usually quick, provided all necessary documents are submitted.
The repayment tenure for a home loan top-up can extend up to 15 years or till your retirement age, whichever is earlier.
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