Switch & save on existing loan

Property BT / TOP-UP

Transfer your existing Home Loan or LAP to a lower interest rate and get additional funds as Top-Up.

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At a glance
Interest from

8.50% p.a.

Tenure

Up to 25 years

Max amount

₹ 10 Cr

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Why this loan

Key benefits

Save Lakhs

Even 0.5% lower rate can save lakhs over loan tenure.

Extra Top-Up

Get additional funds over and above the transfer amount.

Faster Process

Pre-existing loan = faster sanction & disbursal.

Zero Hassle

We coordinate with both old and new lender.

Features

  • Transfer Home Loan or LAP
  • Top-Up of up to ₹50 L over BT amount
  • No prepayment charges on floating rate
  • Better EMI tenure restructure
  • Free credit consultation

Eligibility

  • Existing loan must be 12+ months old
  • No EMI bounces in last 12 months
  • CIBIL 700+ preferred
  • Stable income

Documents Required

  • Existing loan sanction letter & statement
  • Foreclosure quote (when available)
  • KYC & income proof
  • Property documents
  • Bank statements (6 months)
Calculate

Property BT / TOP-UP EMI Calculator

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Customers

What our borrowers say

★★★★★

"Smooth process, my Property BT / TOP-UP was approved in just 4 days. Highly recommended."

A
Anita
Pune
★★★★★

"Got a much lower rate than my bank was offering. Saved a lot on EMI."

R
Ravi
Hyderabad
★★★★★

"Great support from the advisor — every question answered in real time."

S
Sneha
Chennai
FAQ

Questions about Property BT / TOP-UP

Foreclosure is free on floating-rate loans. New lender may charge a processing fee (typically 0.5-1%).

Up to 70% of property value minus current outstanding, capped by income.

Get your Property BT / TOP-UP today

Talk to an advisor — no fees, no obligation.

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