SBI YONO Insta Home Top-Up Loan

Looking to tap into the equity of your home for some extra cash? The SBI YONO Insta Top-Up Loan might be the perfect solution. This loan, offered by SBI through their YONO mobile app, allows existing home loan customers to borrow an additional amount on top of their mortgage. Here's a detailed breakdown of everything you need to know about this loan:

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Table of Content

1. SBI YONO Insta Home Top-Up Loan: Highlights

2. Features and Benefits

3. SBI YONO Insta Home Top-Up Loan Interest Rates

4. Fees and Charges

5. Eligibility Criteria

6. Documents Required

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Written By
Amrita Sinha
Amrita Sinha
Amrita Sinha comes with a background in journalism and mass communication, drawing from her roots in journalism, she has found her voice in the world of finance. As an accomplished writer, she specialises in Financial Services, Mutual Funds, Loan Assessments, Banking & Loan Products. She has established herself as a reliable expert in the field, offering valuable advice to those looking to navigate the various aspects of personal finance.
Reviewed By
Amit Prakash Singh
Amit Prakash Singh
Co-Founder, Square Yards & Chief Business Officer, Urban Money
Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

SBI YONO Insta Home Top-Up Loan: Highlights

The SBI YONO Insta Top-Up Loan is convenient and gives quick access to additional funds. Here’s a quick glimpse into its key features:

Feature Highlight
Loan Amount Up to Rs. 5 lakh or 8% of existing home loan limit (whichever is lower)
Interest Rates Competitive, starting at 6.75% p.a. (pre-selected customers)
Processing Fee Rs. 2,000 + applicable taxes
Disbursement Instantaneous
Availability 24/7 through the YONO app
Repayment Flexible repayment options
Purpose For any purpose other than speculative activities

Features and Benefits

The SBI YONO Insta Top-Up Loan offers a plethora of advantages:

  • Fully Digital: The entire process, from application to disbursal, is handled online through the YONO app. No need for branch visits or paperwork.
  • Instant Approval and Disbursement: Get quick approvals and receive the loan amount instantly in your account.
  • Competitive Interest Rates: Enjoy interest rates lower than personal loans, making it a cost-effective option.
  • Overdraft Facility: The loan can be availed as an overdraft, allowing you to use the funds as needed.
  • Minimal Documentation: No need for extensive documentation.

SBI YONO Insta Home Top-Up Loan Interest Rates

Interest rates for the SBI YONO Insta Top-Up Loan depend on various factors, including your existing home loan interest rate and creditworthiness. However, SBI offers competitive rates, starting at 6.75% p.a. for pre-selected customers.

  • SBI Home Loan Schemes For You

Fees and Charges

The loan comes with a processing fee of Rs. 2,000, subject to applicable service tax.

Eligibility Criteria

Not everyone can avail of the SBI YONO Insta Top-Up Loan. Here’s who qualifies:

  • Existing SBI Home Loan Customer: You must be an existing SBI home loan customer.
  • Pre-selected Customer: SBI selects customers based on their creditworthiness and existing home loan repayment records.
  • Minimum Loan Amount: The minimum loan amount you can avail of is Rs. 50,000.
  • Minimum Home Loan Value: Your existing home loan value should be Rs. 10 lakh or above.
  • Minimum Remaining Tenure: There should be a minimum of 3 years remaining on your existing home loan tenure.
  • No Active Top-Up Loan: You cannot have an active top-up loan on your existing home loan.
  • Equitable Mortgage: An equitable mortgage should have been created for your primary home loan.

Documents Required

As the process is completely digital, minimal documentation is required. However, based on your profile, additional documents might be requested.

  • By Professions

  • By Amount

  • By Property

  • By Other

Frequently Asked Questions (FAQs)

What is the validity period of the SBI Insta top-up loan?

The validity period aligns with the residual tenure of the underlying home loan, which must be over three years.

What is the limit of the SBI YONO Insta home top-up loan?

The maximum limit is 8% of the home loan limit or ₹8 lakhs, whichever is lower, with a minimum of ₹50,000 to be availed as a top-up.

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