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/24 months

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