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Gaurav Mohta | Answer |Ask -Follow

Answered on Oct 26, 2022

Question by Chandru on Oct 26, 2022Hindi

Money

I took Home Loan from HDFC and Top up loan (For that Home loan). I closed the Main Home loan. Can I do balance transfer to other Lender for the Top up Loan (Only Top up Loan which is not Mortgage)?

Ans: A top up loan by definition is a loan given by your lender over and above your regular home loan for additional expenses incurred. Since your current lender has lent it to you on the basis of your creditworthiness and payment history, a balance transfer in this case will not be possible.

Only a home loan borrower can apply for a top up loan. Instead, you can take a personal loan if the amount is smaller.

If you close your existing home loan plus top up loan and need some funds for some use, you can apply for a loan against property separately from another lender. This option will be suitable for a larger amount and a longer tenure.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Ans: Identifying a capable and honest dentist is crucial for your oral health and well-being. Here are some tips to help you find one:

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Question by Salman - Nov 14, 2024Hindi

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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