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LAP Top Up

LAP Top Up

A Loan Against Property Top up is a facility provided by banks and housing finance companies to their existing home loan customers who are facing liquidity crunch and want to add an additional amount on top of their existing loan. It is an ideal option to meet sudden expenditures like medical emergencies, accidents or car repairs.


To apply for a top-up loan, you should be an existing home loan customer with an EMI history that is well-recognized by your bank. In addition to this, you should have a credit report that is favourable.

The process for obtaining a top-up loan is simple and quick. It involves the submission of salary slips, bank statements and address proof as evidence.


As compared to personal loans, top-up loans offer low-interest rates and tax benefits. They are also suitable for meeting home construction or renovation expenses as well as funding for education.


The tenure of a top-up loan varies from lender to lender. Typically, they are sanctioned for up to 20 years.

Tax Benefits:

The principal and interest components of the loan are eligible for a tax deduction. This can be claimed as per Section 80C and 24 (b) of the Income Tax Act.

However, this can only be done if the loan is used for the purpose of construction, renovation, extension or repair of a residential property. It is important to keep a record of the work done with the top-up loan so that the tax benefits can be claimed.

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