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If you have a home loan, you can take a top-up loan on it to meet additional expenses. While the housing loan funds your property purchase, you can use the top-up loan for home renovation, repair or construction to make the property more suitable to your needs. The top-up loan can also finance your personal and business expenses like medical emergency, child's education or marriage, and business expansion. There are many benefits of taking this loan. You can borrow up to ?1 crore and enjoy an instant disbursal, low interest rates, a long tenure, simple documentation and an overdraft facility.