TJSB Housing Top Up Scheme

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For house repairs, house renovation, to meet personal expenses,etc.
  1. Purpose :
    1. i) House Repairs
      ii) House Renovation
      iii)To meet personal expenses,etc.
  2. Loan Limit : Existing housing loan + new top up loan not exceeding Rs.70 Lacs
  3. Repayment Period :
    1. i) Maximum 120 Months/120 EMIs OR
      ii) Till Expiry of Existing Housing Loan OR
      iii) Till Date of Retirement age if salaried and upto the age of 65 if professional
      Whichever is earlier.
  4. Pre-payment Penalty:Nil
  5. Rate of Interest : 9.50%* p.a.
  1. Who Can Apply :
    1. All the Existing Exclusive Housing Loan Borrowers subject to
      i) Last 3 years satisfactory repayment track record of existing housing loan
      ii) Property should not have link with any other commercial limit funded or non- funded
      iii) Absolute possession of property with the owner.
  1. Related Documents as per bank norms.
  2. Prime Security :Existing Residential Property charged to Housing Loan, if only in the form of ready possession.
  3. Guarantors :
    1. Co-owner if not co-borrower
      Any family member (preferably spouse)
*“Conditions Apply. Loan at sole discretion of the Bank”

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