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  • Home Loan for Existing Customers

    Existing customers of banks and Non-Banking Financial Companies (NBFCs) who have a savings account, current account, fixed deposit account, or other types of investments with the financial institution, can avail home loans with several benefits ranging from lower interest rates on housing loan to flexible repayment tenures.

    Features and Benefits of Home Loans for Existing Customers

    The features and benefits of housing loans for existing customers are as given below:

    • The home loan interest rate for existing customers may be lower depending on other factors such as salary, credit score, relationship with the bank, etc.
    • Top-up loans are provided to existing customers which help to provide more funds for the property, whether it is for purchase, construction, repair, or renovation
    • Only minimal documentation may be required for existing customers

    Best Home Loans for Existing Customers

    Home Loan for Existing Customers Best for
    HDFC Home Loan Door Step Service
    SBI Home Loan Instant top up home loan
    Axis Home Loan Low income
    PNB Home Loan Flexible loan amount
    Indiabulls Home Loan Multiple Repayment

    You can find out which is the best housing loan and home loan interest rates for your requirements by comparing home loan schemes from different lenders. Details of housing loans for existing customers of leading banks are given below:

    1. HDFC Bank Home Loan

      HDFC Bank Home Loans can be availed by existing customers who can enjoy the following attractive features:

      • Technical and legal assistance to make the right property selection
      • Doorstep service
      • Special interest rate for women borrowers

      Explore: HDFC Home Loan

    2. State Bank of India Home Loan

      SBI Home Loan allows existing customers to avail home loans with instant top-up loans. The home loan scheme has the following features:

      • Avail interest subsidy under Pradhan Mantri Awas Yojana (PMAY) Credit Linked Subsidy Scheme (CLSS) if you meet the eligibility criteria
      • Overdraft facility available
      • Low interest rates

      Explore: SBI Home Loan

    3. Axis Bank Home Loan

      Axis Bank has a wide range of home loan schemes that cater to the different requirements of its existing customers. These home loan schemes have attractive features, some of which are as given below:

      • Loans with reducing monthly instalments
      • 12 Equated Monthly Instalments (EMIs) off on regular payment of EMIs at the end of the 4th, 8th, and 12th years
      • Available for minimum combined family monthly income of Rs.8,000

      Explore: Axis Home Loan

    4. PNB Housing Finance Limited Home Loan

      PNB Housing Finance Limited Home Loan for existing customers can be used to purchase, construct, extend, or improve their homes as well as to buy a plot of land for residential purposes. The key highlights of the scheme are as given below:

      • Loan amount can be increased if costs escalate at any time during the project
      • Online application that is quick and easy
      • Up to 30 years repayment tenure

      Explore: PNB Housing Loan

    5. Indiabulls Housing Finance Limited Home Loans

      Indiabulls Home Loans provide easy and quick online management of home loan accounts for existing customers along with other benefits such as:

      • Instant home loan approval online
      • Low interest rates
      • Multiple options for repayment of the loan

      Explore: Indiabulls Housing Loan


    Having a good relationship with a bank or NBFC over a long period of time can pay off in the long term when it is time to apply for a home loan as you can get attractive interest rates, flexible repayment tenures, and other attractive features for being a loyal customer. This can make the process of applying, getting sanctioned, and getting your home loan disbursed in an easier and quicker manner.


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