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Key Features

Loan tenor up to 20 years  

Original sanction amount up to 100% (subject to credit appraisal)

Loan at attractive rate of interest: 1% Higher on The Existing Linked loan

Simple documentation 


*Quoted interest rates are as per company pricing policy, the actual rates may vary depending on the credit/Risk profiling and LTV of the customer.


Top Up Loan

Sometimes life presents you with situations that exceed your financial capacity. In times like these, an additional loan can be of great value. A Top Up Loan is a facility that enables you to take a loan over and above your existing loan, against the mortgage of your property. So when it comes to buying a new car, or a new home appliance, emergency medical bills, or business requirements, you will be prepared.


L&T Housing Finance offers to enable you to borrow an additional amount over and above the existing loan against the mortgage of a property.


LTHF provides Top Up Loans for:

• Buying of consumer durables / furniture / vehicle
• Finance for children education / marriage
• Meeting medical expenses
• Business requirement
• Any other personal expenses


Eligibility criteria:


Clean repayment track record of 12 months

Age : 23 years to 85 years on loan maturity

Cap as a percent of original loan is at 10%/20% depending on the repayment track record


Loan tenure:

For Salaried : 20 years
For self employed non professionals/professionals: 15 years


Home Loan EMI Calculator

Loan Amount (₹):
Interest Rate % (Per Annum):
Loan Tenure (In Months):
Your Equated Monthly Installment (EMI):

Documents & Forms

Other Products

Home Loan

Balance Transfer

Loan Against Property

Real Estate Finance