Top Up Loan for HL Borrowers

In case of balance transfer, then the repayment history of the previous bank/HFC/NBFC may be taken in to consideration towards 12 EMIs

Minimum –Rs.1.00 lakhs 

Maximum- As per existing FOIR, LTV & income eligibility norms of SIB Home Loan.

Minimum -1 year 

Maximum- Equal to the balance tenor of HL / 7 years ( whichever is higher ) .

• There should not be any over dues in existing Housing Loan.
• Only completed residential properties with registered title ownership is eligible for Top Up Loan.
• Top-up loan cannot be given for Repairs & renovation. The same may be considered under HL-Repairs and Renovation.
• Only one Top Up loan is permissible against one residential property secured under SIB HL.

Salaried Class

Business Class

KYC Docs (PAN Card and Aadhar Card and Photographs)

KYC Docs (PAN Card and Aadhar Card and Photographs)

KYC Docs (PAN Card and Aadhar Card and Photographs)

ITR for the two years with computation sheet

ITR for the two years with computation sheet

ITR for the two years with computation sheet

Salary Slip/Pension Statements for 3 months deed etc to be taken

Recent financials of the firm

Salary Slip/Pension Statements for 3 months

Account Statement for 6 months

Account Statement for 6 months.

Account Statement for 6 months

Title deeds, Possession Certificate, Location certificate and sketch, encumbrance certificate, Tax Paid Receipts