Top Up Loan - Explained

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6 жыл бұрын

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".

Пікірлер: 359

@AssetYogi 10 ай бұрын

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

@ganeshsawant2148 5 жыл бұрын

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 5 жыл бұрын

Dhanywaad Ganesh ji:)

@learningarmy88 3 жыл бұрын

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

@umi167 3 жыл бұрын

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

@AssetYogi 3 жыл бұрын

Thank you 😊

@praveenpahal007 5 жыл бұрын

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

@nikhilrandhave3951 3 жыл бұрын

Mukul you are great man..... Thanks

@nareshmaru1547 5 жыл бұрын

Thanks sir bahut accha explain kiya thanks again

@dhananjaytlkhd 6 жыл бұрын

Thank you sir very helpful video for me

@avinashkhopade4708 2 жыл бұрын

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

@AssetYogi 2 жыл бұрын

Glad it was helpful!

@avinashkhopade4708 2 жыл бұрын

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

@yashgala5741 6 жыл бұрын

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

@varinderwadhwa7235 6 жыл бұрын

Top up loan loan agains property me bhi hai kya

@gideonjake6475 2 жыл бұрын

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!

@harshvardhanchavan550 3 жыл бұрын

Sir aapki all videos best hai.

@paravej 5 жыл бұрын

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

@iliyasahmedritti9403 3 жыл бұрын

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

@freeclips9825 5 жыл бұрын

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

@AssetYogi 5 жыл бұрын

Thank you for appreciation Vikash 😊

@mrmajnustar882 3 жыл бұрын

Womo

@sachinrajendran8580 4 жыл бұрын

Brilliant explanation. Thank you sir and God Bless You

@kunnudev7250 5 жыл бұрын

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

@amitkumarsavita8842 2 жыл бұрын

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

@prathameshpotnis1071 4 ай бұрын

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

@tilakghosh640 9 ай бұрын

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

@VishalPatel-1309 5 жыл бұрын

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

@devnarayandewangan6126 5 жыл бұрын

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?

@dnyaneshwarrajguru6918 Жыл бұрын

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

@AssetYogi Жыл бұрын

Keep watching

@santoshthorave8859 6 жыл бұрын

Sir very helpful video banate ho aap thanks

@AssetYogi 6 жыл бұрын

Jankar khushi huyi ki mere videos helpful hain 😊

@rajansharma9755 3 жыл бұрын

Very well explained. 👏👏👏

@AssetYogi 3 жыл бұрын

Thanks R.K

@SandhyaSingh-np4yy 5 жыл бұрын

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

@sheetaldiwakar1762 2 жыл бұрын

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

@AssetYogi 2 жыл бұрын

Keep watching

@capradiptakumarnaik4568 3 жыл бұрын

Very clever information sir, thanks

@AssetYogi 3 жыл бұрын

You are welcome

@yashvardhansingh5681 4 жыл бұрын

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

@AssetYogi 4 жыл бұрын

I hope this will be useful Yashvardhan :)

@mrmajnustar882 3 жыл бұрын

Pikinav thi

@markozraturi 6 жыл бұрын

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

@MSwarsi1707 6 жыл бұрын

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

@rakesh834 4 жыл бұрын

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

@sushilkumarsharma8423 27 күн бұрын

Sar aapki video bahut acchi lagi main bhi top up loan Lena chahta hun ismein kya-kya kharcha aaega kya ismein login fees Lagti Hai

@naveenms3298 Жыл бұрын

Can it use be used to invest in stocks

@healthwithwealth18 4 ай бұрын

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??

@himankjain8698 6 жыл бұрын

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 6 жыл бұрын

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

@imranakhan9282 6 жыл бұрын

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

@NAVINKUMAR31291 5 жыл бұрын

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

@abhishekmithun4475 5 жыл бұрын

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 5 жыл бұрын

I've noted the topic suggestion for future videos.

@dattatangadkar003 5 жыл бұрын

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

@vijayjain9174 2 жыл бұрын

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

@Khanak8119_Shivansh Жыл бұрын

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

@harshitsingh8004 4 жыл бұрын

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

@mahendrarajput5402 5 жыл бұрын

Very nice lecture sir

@AssetYogi 5 жыл бұрын

Thank you Mahendra 😊

@bijoydasgupta5565 Жыл бұрын

Nice explained

@gauridhuruv3318 4 жыл бұрын

Kindly make video on personal loan Balance Transfer

@aharijitesh4971 22 күн бұрын

Sir mera prosanal loan chal rha he jiski 2 emi let pay ki mene to mere cibil me let payment show ho rhe he pr ab mene last 6 emi time se hi pay ki he or mere loan liye hue 15 month ho gye he to ab muje top up loan mil skta he kya

@nirmalchauhan2511 4 жыл бұрын

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

@nikitatirky3402 7 ай бұрын

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

@monil.joshi4 4 ай бұрын

What should be ideal tenure for top up loan

@vickybhardwaj9011 4 жыл бұрын

Sir icici insta save Salary Account key benefits ki video bana do es ki video koi nahi bana raha ,or sir icici salary account k sath free credit card Miley ga ja nahi or limit kitni hogi. (Fd insta account vs icici insta salary account konsa best hai)

@mokaddespurkait4349 5 жыл бұрын

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

@Shahndj Жыл бұрын

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 Жыл бұрын

Contact your Bank Please

@sardarkhan2351 Жыл бұрын

Property value registry wali mani jayegi ya market value

@yashbirhooda6041 5 жыл бұрын

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?

@rahul4545 4 жыл бұрын

Bhut Acha video thank u

@AssetYogi 4 жыл бұрын

Keep supporting Rahul :)

@neerajgandhi4405 4 жыл бұрын

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

@ashwanipatkar3673 4 жыл бұрын

Sir namaskar topup lone kitne bar le sakte hai pls info

@darmasrat8330 5 жыл бұрын

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

@subhash28783 5 жыл бұрын

It return & record pe nahi milega kya

@sunny5444 5 жыл бұрын

Sir meri 22 lacs ki property hai isse. On cash lena sahi hai ya home loan krna

@bleeelabai3921 5 жыл бұрын

sir last you told u can transfer 52.5 lac to other Bank.My doubt is as the reason for shifting loan is non satisfaction over top up loan given, how can we transfer 52.5 lac ?loan we can only transfer 30 lac loan?

@sharmishthachatterjee9908 6 жыл бұрын

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 6 жыл бұрын

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

@murarikumar-iv4fx 3 жыл бұрын

Sir I have to personal loan & home loan I wanted to close my personal loan than take home loan top up is it will best for me

@dipakjadhav8125 2 ай бұрын

Mera home loan 2 month pehle start hua he..kya me top up le sakta hu?

@devendramohite4435 5 жыл бұрын

Sirjee, Agar Mera abhi personal loan chalu hai aur mai under construction mai flate book kiaya hai. To Kya mujhe Mera personal loan Jo 5 lacs ka loan hai use add karke bank mujhe home loan desakti hai Kya.. plz suggest kijiye...

@NeerajSingh-dn2jl 6 жыл бұрын

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

@AssetYogi 6 жыл бұрын

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

@rehmatali5649 4 жыл бұрын

Top up lone property purchase ke le sakte he

@pratikpatil2335 2 жыл бұрын

Good informative 👍👌

@AssetYogi 2 жыл бұрын

Thanks for liking

@quickrecstuff9949 Жыл бұрын

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?

@123TheStoryTeller Жыл бұрын

Sir ye top-up interest fixed rehta hai ya floating?

@adityasaxena5562 11 ай бұрын

Thank you sir.

@shobhitgarg5707 4 жыл бұрын

Very informative

@AssetYogi 4 жыл бұрын

Keep supporting Shobhit :)

@dips_1 10 ай бұрын

Sir top up loan ka emi alag se hota hai kya aur home loan ka emi alag hota hai kya bank vale tho ase bol diya hai seperately emi hai karke home loan aur topup loan home loan add ho ke nhi atha emi

@PanditKeshriNandan 4 жыл бұрын

Thank you Sir.

@AssetYogi 4 жыл бұрын

Hope it's helpful

@msastrology87 Жыл бұрын

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

@mayursharma2506 3 жыл бұрын

Intrest rate conversion benefit

@binitakumari8238 2 жыл бұрын

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 Жыл бұрын

Which bank is this?

@rashmichaitanya42 10 ай бұрын

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

@rajusardar1519 5 жыл бұрын

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

@NaveenKumar8190 Жыл бұрын

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

@parekhjitendra8887 Жыл бұрын

V.nice information thanks

@AssetYogi Жыл бұрын

Thanks Parekh.

@life-is-awesom 4 жыл бұрын

sir agr kisi ke pas salary slip ni hai or na hi wo ITR BHRTA HAI TO PHIR USKO 5 LAKH TAK KA LOAN KESE MILEGA

@subhash28783 5 жыл бұрын

Incom lavel jaruri he kya

@yashthakur2097 5 жыл бұрын

Kitne dino ke bad parsnal loan pe top loan mil jata he

@izajulansari7635 6 жыл бұрын

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

@akashsinghal1218 2 жыл бұрын

Yes

@nehakapilgusaiwal4868 5 жыл бұрын

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

@sureshbhagore8094 6 жыл бұрын

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

@AssetYogi 6 жыл бұрын

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.

@devahire7906 3 жыл бұрын

Thank you very much

@AssetYogi 3 жыл бұрын

Hope it's helpful 😊

@palashchanda4166 8 ай бұрын

Foreclosure possible for Top-up Loan?

@sayaliparde7814 5 жыл бұрын

Hi sir Sayali Here... Me ek company me RM Hu.... Please meri ek request he aapko ki, client ko kaise unsecured loan Ka Rate of interest kaise convince kre. Because it's a High rate.... So please help me

@awanishkumar7747 Жыл бұрын

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 Жыл бұрын

@sandipchauhan7425 5 жыл бұрын

top up loan mai pre payment charge lagta hai?

@sumitsaxena4048 10 ай бұрын

सर जो current home लोन चल रहा है। top up लोन भी उतने ही tenure तक मिलेगा। या उससे जायदा का भी मिल सकता है मेने 10 साल का होम लोन लिया था अब 7 साल रह गए है। Top Up लोन अगर में 15 साल का लेना चाहु तो मिल सकता है क्या या नही सर जी बताए

@Ajay260176200806 5 жыл бұрын

Superb. Very useful information for a common man

@AssetYogi 5 жыл бұрын

Thank you so much 😊

@avinashvasumane3454 6 жыл бұрын

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

@bktumma 9 ай бұрын

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.