Borrow more on your existing mortgage at lower rates than personal loans. Roll it into a single EMI for renovations, education, or debt consolidation with extended tenures and tax benefits.
Everything from eligibility to documentation in one compact guide.
| Interest Rate | 8.45–9.25% p.a. |
| Tenure | Up to 20 years |
| LTV Ratio | Up to 80% |
| EMI Integration | Single EMI Logic |
| Tax Benefits | Sec 24B & 80C |
| Lender | Rate (p.a.) | Fee |
|---|---|---|
| SBI | 8.00% – 10.50% | 0.35% |
| Axis | 8.75% onwards | 1% |
| HDFC | 9.00% – 10.95% | 1% |
| ICICI | 9.75% – 10.25% | Insta |
Freedom for travel, weddings or debt.
Minimal papers for existing users.
Switch lenders with Top-Up funds.
Specifically for home improvements.
| Property | Residential/Clear Title |
| History | No EMI bounce in 1 year |
| Tenure | After 6mo clear repayments |
| CIBIL | 750+ score preferred |
| Cost | Lower rates than Personal Loans |
| EMIs | Single consolidated monthly payment |
| Collateral | Secured against existing property |
| Speed | Faster disbursal for existing users |
Digital First Experience: Apply from the comfort of your home. Scan your docs, fill in your details, and get digital approval in record time.
Expert Offline Support: Prefer a face-to-face interaction? Visit our partner branches and get guided assistance for a seamless verification process.
Extensive Network: Leverage our 20+ top-tier banking partnerships to secure the lowest possible interest rates and highest eligibility.
| EMI Capacity | Check debt-to-income ratio |
| Loan Purpose | Define for tax eligibility |
| Fees | Processing/Admin charges |
Summary: A smart, cost-effective way to unlock funds—often 1–2% lower than personal loans—at 20-30 year tenures. Ready to maximize borrowing? Secure lowest rates via Myloans today.