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Top-up loans generally have attractive interest rates. They differ based on the lending bank and the type of existing loan on which you take a top-up loan. Below are the factors that affect a top-up loan's interest rate:

  • Type of the existing loan (home loan, personal loan or car loan)
  • Interest rate of your existing loan (A top-up loan may have an interest rate same as or 0.25% to 1% higher)
  • Your eligibility
  • Your relationship with the lending bank
  • The lender's policy
  • Your credit profile (factors like your credit score and nature of employment)

Loan details like the sanctioned amount and tenure

What are the Factors Affecting Top-Up Loan Interest Rates