Top Up Loan - Explained

What is a top up loan on home loan and how it is better than a personal loan or car loan - explained with calculation in Hindi. Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/.
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You can apply for a top up loan with any of the major banks like SBI, ICICI, HDFC, Axis Bank, PNB etc.
In this video, I have talked about the top up loan eligibility, calculation, advantages and how you can apply for a top up loan either from the same bank where you have your existing home loan or how you can transfer to another bank.
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Related Videos:
Home Loan - Process: • Home Loan का पूरा Proc...
होम लोन पर टॉप अप लोन क्या हैं और ये पर्सनल लोन से कैसे बेटर होता है - कैलकुलेशन के साथ हिंदी में एक्सप्लेन किया गया है। आप किसी भी मेजर बैंक से टॉप अप लोन के लिए अप्लाई कर सकते हैं जैसे SBI, ICICI, HDFC, Axis Bank, PNB आदि।
इस वीडियो में मैंने बात की है टॉप अप लोन के एलिजिबिलिटी, कैलकुलेशन, अडवेंटजेस के बारे में और कैसे आप टॉप अप लोन के लिए उसी बैंक में अप्लाई कर सकते हैं जिसमे आपका होम लोन है या फिर कैसे आप लोन को दूसरे बैंक में ट्रांसफर कर सकते हैं।
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• Top Up Loan - Explained
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In this video, we have explained:
What is top up loan?
What is the definition of top up loan?
How top-up loan is better than the personal loan or any other loan?
What are the benefits of top up loan?
How to calculate eligibility for top up loan?
How much interest rates you have to pay for top up loan?
How can you use top up loan?
What are the advantages of top up loan?
When you can claim tax benefits from top up loan?
How to take top up loan?
टॉप अप क्या है?
टॉप अप लोन की परिभाषा क्या है?
पर्सनल लोन या किसी भी अन्य लोन की तुलना में टॉप-अप लोन कैसे बेहतर है?
टॉप अप के लाभ क्या हैं?
टॉप अप लोन के लिए एलिजिबिलिटी कैसे कैलकुलेट करें?
टॉप अप लोन पर इंटरेस्ट रेट्स कितनी होती है?
आप ऊपर अप ऋण टॉप अप लोन का उपयोग कैसे कर सकते हैं?
टॉप अप लोन के फायदे क्या हैं?
आप टॉप अप लोन से टैक्स बेनिफिट्स कब क्लेम कर सकते हैं?
टॉप अप लोन कैसे लें?
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Hope you liked this video in Hindi on “Top Up Loan".

[@AssetYogi]

Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/

[@dhananjaytlkhd]

Thank you sir very helpful video for me

[@nareshmaru1547]

Thanks sir bahut accha explain kiya thanks again

[@umi167]

Your method is teaching is so easy that anyone non finance background persons can to understand 👍🙏

[@AssetYogi]

Thank you 😊

[@ganeshsawant2148]

गुरु जी आपके समझाने का तरीका सहज सरल लाजवाब👌🏽 हैं। आपका मैं फैन ह्यो गया हूँ। आप बहोत बड़ी सेवा कर रहे हैं। कृपया आप आगे भी इसे जारी रखे. आपका दिल से धन्यवाद

[@AssetYogi]

Dhanywaad Ganesh ji:)

[@freeclips9825]

Thank you very much sir.. Proud to have u here..

[@AssetYogi]

Thank you for appreciation Vikash 😊

[@mrmajnustar882]

Womo

[@nikhilrandhave3951]

Mukul you are great man..... Thanks

[@harshvardhanchavan550]

Sir aapki all videos best hai.

[@yashgala5741]

Thank you sir awesome explanation of the each and every topic sir your financial knowledge was awesome

[@varinderwadhwa7235]

Top up loan loan agains property me bhi hai kya

[@gideonjake6475]

Sorry to be off topic but does anybody know of a method to log back into an Instagram account..? I stupidly forgot my account password. I would appreciate any tricks you can offer me!

[@paravej]

Very nice sir.... Your content help me a lot....

[@rajansharma9755]

Very well explained. 👏👏👏

[@AssetYogi]

Thanks R.K

[@learningarmy88]

Sir your way of teaching is simply awesome, where you start from zero to be hero. Will you able to make video on processing of commerical document where we check the CIBIl of borrower and prepare financials as per the banking norms and later check current ratio ,debt to equity ratio ,debt service coverage ratio and interest coverage ratio. I seen your videos on CIBIL and ratios as well. I would like to know what are red signals or negative signal which as a processing officer should be kept in mind while analysing the CIBIL report . Some banks prepare financials based on their own judgement.for example my bank take gold and jewellery as fixed assets instead of long term investments. I

[@avinashkhopade4708]

Another great video! Thanks for making such informational and helpful videos.

[@AssetYogi]

Glad it was helpful!

[@avinashkhopade4708]

@@AssetYogi Your content and presentation are of great quality. Thnx.

[@santoshthorave8859]

Sir very helpful video banate ho aap thanks

[@AssetYogi]

Jankar khushi huyi ki mere videos helpful hain 😊

[@sheetaldiwakar1762]

thank you so much sir well explained .... 😇😇

[@AssetYogi]

Keep watching

[@kunnudev7250]

Sirji plz provide videos for different types of transactions and vouchering in cbs system

[@mahendrarajput5402]

Very nice lecture sir

[@AssetYogi]

Thank you Mahendra 😊

[@yashvardhansingh5681]

Thank you so much sir. For such a valuable info. 🙏🙏🙏

[@AssetYogi]

I hope this will be useful Yashvardhan :)

[@mrmajnustar882]

Pikinav thi

[@praveenpahal007]

Mukul Sir your all videos are very informative, but request you to please share a video about loan, shall we take loan or not.

[@capradiptakumarnaik4568]

Very clever information sir, thanks

[@AssetYogi]

You are welcome

[@PanditKeshriNandan]

Thank you Sir.

[@AssetYogi]

Hope it's helpful

[@sachinrajendran8580]

Brilliant explanation. Thank you sir and God Bless You

[@dnyaneshwarrajguru6918]

Sir your video is very helpful for me.. Thank you so much sir.. 🙏

[@AssetYogi]

Keep watching

[@adityasaxena5562]

Thank you sir.

[@rahul4545]

Bhut Acha video thank u

[@AssetYogi]

Keep supporting Rahul :)

[@shobhitgarg5707]

Very informative

[@AssetYogi]

Keep supporting Shobhit :)

[@gauridhuruv3318]

Kindly make video on personal loan Balance Transfer

[@devahire7906]

Thank you very much

[@AssetYogi]

Hope it's helpful 😊

[@bijoydasgupta5565]

Nice explained

[@iliyasahmedritti9403]

Hi sir aap bohot ache se samjate hain. Kya top up loan ko bhi precessing fee hoti hai?

[@VishalPatel-1309]

Sir, bank transfer karvana privet bank me acha rahega ya public bank me..

[@darmasrat8330]

Make video on paying banker and collecting banker and also on endorsement

[@jaishriram6997]

Thank you sir

[@AssetYogi]

Hope it's helpful

[@pratikpatil2335]

Good informative 👍👌

[@AssetYogi]

Thanks for liking

[@devnarayandewangan6126]

I have an existing home loan on my current property which is almost paid but i haven't closed the loan yet. As my current loan is from SBI maxgain having OD account, i can withdraw my parked amount in that account for any other purpose. I have recently booked a new property for which i will need to arrange around 50% of money as i have some savings to pay rest 50%. Is it wise to close the current home load and get a new home loan for the new property or do you suggest to get a top up loan from my existing home loan to arrange for 50% money? Which option is better?

[@amitkumarsavita8842]

what are exact TAX benefits on Home loan Topup ( if taken or Home purpose) ??

[@udaimanglani2824]

Thank you.

[@AssetYogi]

You're welcome!

[@nirmalchauhan2511]

If possible can you please make video on title clear of a property

[@vinodKumar-yz4kg]

Nice video

[@prathameshpotnis1071]

Very well explained But share investment kiya to kon dekhega.. Plz tell

[@tilakghosh640]

Please confirm me sir top up loan emi is calculated on present cibil score or the present homeloan interest .?

[@MSwarsi1707]

Home loan Mai ITR files show Karna hoga sir ji please reply me sir

[@vilastarange975]

Well explained

[@AssetYogi]

Thanks Vilas

[@parekhjitendra8887]

V.nice information thanks

[@AssetYogi]

Thanks Parekh.

[@opporealme4737]

Thanks very thanks

[@AssetYogi]

Hope it's helpful 😊

[@himankjain8698]

Hi sir, very informative videos. I am sure you must be using some excel sheets with formulas in it for better financial management and time saving. If you have such sheet can you share the same.

[@AssetYogi]

I have already shared some excel calculators. You can download from here - assetyogi.com/calculator/

[@sayyadsayyadmohiddin2488]

Thank you very much bhai

[@AssetYogi]

Welcome

[@abhishekmithun4475]

Please also make a video on Credit card balance transfer Vs personal loan top vs any other way to resolve high payment due on Credit card !!

[@AssetYogi]

I've noted the topic suggestion for future videos.

[@nitintanwar1822]

sir, kaya me apane cc a/c ko intrest rate jada hone par bhi dosare bank me apana cc a/c transfer kar sekta hun kaya please suggest

[@EverythingTrainer]

Nice information... thanks

[@AssetYogi]

Hope it's helpful :)

[@SandhyaSingh-np4yy]

Hi Sir, How you have calculated the income of 80000 for getting a loan of 40lakhs. Have you used any multiplier

[@anilkhendad3121]

Thanks sir

[@AssetYogi]

Hope it's helpful Anil :)

[@nileshpardeshi4871]

Good information Sir

[@AssetYogi]

Thanks

[@subhash28783]

Incom lavel jaruri he kya

[@NeerajSingh-dn2jl]

Sir ek video aap home loan insurance par banye ki home loan insurance cover vs term plan is best?

[@AssetYogi]

Term plan is best. But yes I will make a video on home loan insurance for sure.

[@naveenms3298]

Can it use be used to invest in stocks

[@markozraturi]

Sir High security pasaword SMS nhi araha ....wht i do...already registerd mob num in bank

[@mdmukim5758]

Sir aap Kis City Main Rahety ho

[@rakesh834]

Pehle home loan liya . phir top up bhi karaya . ab hdfc se sbi me home loan shift karna thik rahega kya ?

[@drshoaibquadri8650]

Good

[@neerajgandhi4405]

Sir pl loan k top up plan ko lena chahiye k nahi

[@EnglisMatters]

Mera home loan k sath personal loan bhi hai ... bt personal loam 3 year k liye hai .. kya mein personal loan home loan topup mein convert kr sakta hu ...

[@AssetYogi]

Bilkul kar sakte hain.

[@mayursharma2506]

Intrest rate conversion benefit

[@sardarkhan2351]

Property value registry wali mani jayegi ya market value

[@harshitsingh8004]

Sir kya car ka top up loan foreclosure karke NOC le sakte hai?

[@imranakhan9282]

Sir existing personal loan ka top up krane ka kya mtlb h

[@subhash28783]

It return & record pe nahi milega kya

[@Khanak8119_Shivansh]

Meri loan axis me he to muje topup aur transfer dono ki jarur he to best bank suggest kare Sai

[@nikitatirky3402]

Hlo mera ek question h ki jese mere ek parsanal loan chal Raha but kisi wajah se me top up loan Lena chahti hu to kya mujh wo loan mil skta h aur kitne time ka tenure hoga aur kitne intrest rate par milega jitna me parsonal loan par currently de rahu utna ya badh k

[@azizsarkar3692]

Very good

[@AssetYogi]

I hope this will be helpful :)

[@dattatangadkar003]

bhai ye margin money kya hota hai .... ispe ek video bansod or please reply I'm waiting

[@healthwithwealth18]

when i take topup loan my bank give me insurance for top up loan for five years but loan tenure is 15 years?? what to do should i insured my loan or not??

[@avdheshmishram]

Very nice

[@AssetYogi]

Thanks 😊

[@izajulansari7635]

existing personal loan ke against bhi topup loan le sakte h na

[@akashsinghal1218]

Yes

[@rashmichaitanya42]

Sir top up bank tavi deti hai jub home ki registry ho gai ho.

[@Shahndj]

Hello Sir, first of all I would like to Thank you for this amazing video. I have taken a SBI home loan almost 4 years ago and I am paying EMI regularly. I had to stop the construction work due to Covid. Recently I have started the work and 85 to 90% work is done. Due to inflation I need more funds, in this case can I apply for SBI top up loan? or do I have to complete the ongoing construction work 100% first.

[@AssetYogi]

Contact your Bank Please

[@mokaddespurkait4349]

sir mara pass car loan ha laking my usko top up kar na caha ta hu , ky sa karu .......

[@binitakumari8238]

My bank told me that they can only give 30% of the previous or the main home loan. Since my home loan was for 30lakhs, I am only eligible for 8lakhs top up. They didn't factor in the current value of the property

[@souravdas8629]

Which bank is this?

[@sureshbhagore8094]

what strategy we can apply to buy property without down payment or no money?

[@AssetYogi]

You can raise downpayment amount from other sources for eg. another loan like loan against other property or personal loan etc. But you will also be exposing yourself to high leverage risk.

[@manasaryan3803]

Good info

[@AssetYogi]

Keep learning :)

[@afsanashaikh5558]

Sir aap bhot best explain krte ho keep going on 👌

[@AssetYogi]

Thanks for appreciation

[@vijayjain9174]

Sir transfer mein fir se nayi calculation suru hone ka koi dar/fhay ..!?

[@avinashvasumane3454]

Hi Mr.yogi,I want to know can top up loan be used to buy another house or property??

[@bktumma]

You can use for buying another property and car and anything. I just said to my credit manager that i am going to buy Residential Plots. He approved my loan. Generally they check the property value and repayment capacity. They canot sanction beyond repayment loan amount.

[@sharmishthachatterjee9908]

Sir, can I take a top-up loan , the same time I am taking the home loan ? The person from whom I am buying the property is charging a lumpsum extra amount which is above the cost of property, which I do not have at present !!!! My current savings will be used in registration as this is a 2nd hand property.

[@AssetYogi]

Yes, if you have sufficient limit, it is possible. You can speak to your bank.

[@rajusardar1519]

Sir mera ek personal loan hai. Kaise o bala loan ka opur topup korenga.. Plzzz. Or kitna emi ka bath topup melaga.

[@pandurangbolewad7571]

Super sir

[@AssetYogi]

Thanks 😊

[@yashbirhooda6041]

agr hm home loan dusre bank me transfer kre or fir top up loan le to dono loan ke total amount pr hme income tax rebate milegi kya?

[@ashwanipatkar3673]

Sir namaskar topup lone kitne bar le sakte hai pls info

[@quickrecstuff9949]

i have home loan with canara bank with 18lac and paid 8 lac , remaining is 10 lac and the property value is 45 lac , but manager says you have to do the mortgage again on topup and need to pay other charges for topup and its around 20k. is it true?

[@kavidhai143]

Topup loan kitna time lesakte

[@nehakapilgusaiwal4868]

Kya bl pr top up loan liya ja skta h... Pls btaiye sir

[@AnythingEverythingwithRM]

if I am taking top up loan for home improvement do i need to submit any specific documents or else how it will be identified that my purpose is home improvement, buying car or etc.

[@AssetYogi]

No you don't have to submit any proofs to the bank.

[@alishaantil316]

Hi, Since you are looking for home improvement loan, you can apply for a personal loan. To know more about the procedure, documentation required and eligibility criteria, you can view over here: www.bajajfinserv.in/personal-loan-for-home-improvement

[@Rahulbajaj561]

@@AssetYogi then how'd they come to know whether I've used the loan for share trading or not if i dont have to submit any proof?

[@Rjharsh1]

sir mene hdfc se mortgage loan liya hai 2015 me abhi muje topup karvana hai to kya me karva sakta hu?

[@AssetYogi]

Yes, you need to contact loan branch

[@awanishkumar7747]

Hi Sir, Is there a way to avail the top-up loan from another bank without transfering the entire home loan, like multiple mortgage loans ?

[@AssetYogi]

No

[@manishvarade4980]

Kya topup loan ka bhi homE loan prootection insurance hota he

[@AssetYogi]

Banks Bundle it together for safety

[@prabhu4141]

Sir maynay 2dho loan le hay Home loan and Home improvement loan le pechlay saal may. Kya may abhi top up loan lay saktha hu

[@AssetYogi]

yes

[@rehmatali5649]

Top up lone property purchase ke le sakte he

[@monil.joshi4]

What should be ideal tenure for top up loan

[@naveenkumar8190]

sir, agar hme home loan clear karke closs karwate h to kya topup loan bhi clear karna hota h kya?

[@msastrology87]

Topup loan pe jo intrest rate hota hai wo only topup amount pe lagta hai ya fir hamare pahle wale loan pe bhi wo hi lag jata hai