Irrespective of the number or type of loans you already have, if you meet your lender’s income and eligibility requirements, you will be sanctioned another loan. However, repaying two loans is no easy task and there are a few things you should keep in mind if you are planning to avail of a Home Loan and a personal loan together.
How Can You Take a Personal Loan and a Home Loan Together?
Consider Opting for a Top-up Loan
These days, most lenders offer a Top-up Loan to borrowers who opt for a Home Loan Balance Transfer. If you need funds to cover your interior cost or expand your business, you can consider availing a Top-up Loan instead of a personal loan first. Top-up Loans offer several advantages over personal loans.
To start with, Top-up Loans are low-interest loans. One can expect to pay a 1% to 2% higher interest rate than what they are paying on their Home Loan. Personal loans, on the other hand, are quite expensive. The interest rate on these loans varies between 12% and 25%. Further, while one must pay personal loans within 5 to 7 years, Top-up Loans come with a long repayment tenor. The repayment period for a Top-up Loan would be the same as that for your Home Loan. However, one can avail of a Top-up Loan only after they have paid a certain number of EMIs and have been a reliable borrower.
If you meet these conditions, apply for a Top-up Loan instead of a personal loan.
Maintain a Good Debt-to-Income Ratio
The debt-to-income ratio refers to the ratio of all of one’s monthly debt payments and gross income. In other words, when you divide all your EMIs by your total net income, you get your debt-to-income ratio. An individual can get a personal loan and a Home Loan together if their debt-to-income ratio is under 40% to 50%. In simple words, if your current liabilities exceed 50% of your total income, your lender will perceive risk in lending you funds and therefore, it is quite unlikely that you will get a second loan.
Maintain an Excellent Credit Score
If you already have a Home Loan and wish to avail of a personal loan, know that a lender will approve your application only when you have an excellent credit score.
When it comes to Home Loans, lenders sanction loans to individuals with a CIBIL score above 750. However, if you want two loans at the same time, you can convince your lender of your creditworthiness and repayment capacity and the best way to do that is to maintain an excellent score. If you want to opt for a Home Loan and a personal loan together, maintain a CIBIL score of 750 plus.
Read Also: How to Pay Off Your Home Loan Quicker
Borrow What You Can Easily Repay
This is the first rule of borrowing: borrow what you can easily repay. Paying off two loans is no easy task. If you think it will be hard for you to pay the EMIs of both loans simultaneously, it is recommended that you take only one loan and go for interiors after a few months or years when you have built up some savings.
Let us now look at the eligibility criteria and document requirements for a Home Loan. Since Home Loans are sizeable loans that go on for years, lenders prefer extending loans to borrowers who can meet their eligibility and document requirements for these loans.
Document Required for a Home or Personal Loan
Whether you are applying for a Home Loan, know that preparing in advance will help you experience a hassle-free loan application process. So, whether you are applying for a Home Loan or a personal loan, keep these documents ready with you:
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Mandatory documents such as PAN Card or Form 60
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KYC documents (i.e. address and identity proof documents, such as Aadhaar Card, Passport, Driving License, Utility Bills, etc.)
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Passport-size photographs
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Form 16 or latest salary slips (for salaried individuals)/ ITR Document and P&L Statement for the last 2 years (for self-employed individuals)
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Bank account statements for the last 6 months
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If you are a self-employed applicant, you must provide documents for proof of business that establish a minimum of 5 years of business vintage.
Please note that personal loans are approved and processed more easily than Home Loans and therefore, if you are just applying for a personal loan, you may not need these documents. However, if you are applying for a Home Loan, your lender may ask you for more documents, over and above these.
*Terms and conditions apply.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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How to Connect with Bajaj Housing Customer Care2023-06-27 | 5 Min
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How to Access Your Login Details in Bajaj Customer Portal?2024-02-02 | 5 min
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Home Loan Burden Management: Five Tips2022-06-27 | 3 min
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A Complete Guide on the Benefits of Joint Home Loan2022-11-16 | 5 min
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How to Calculate Home Loan EMIs2022-06-14 | 5 Mins
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Making Financial Planning Easy with a Home Loan EMI Calculator2023-09-06 | 2 min
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All You Should Know About Home Loan Disbursement and Sanctioning Process2024-03-19 | 3 Min
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Difference Between Co-owner, Co-borrower, Co-Applicant, and Co-Signer in Home Loan2023-08-31 | 6 min
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How Do You Overcome Home Loan Repayment Burden?2023-02-13 | 2 min
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Best Credit Score for Home Loans & How to Improve Yours2023-08-31 | 6 min
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Home Loan vs Loan Against Property: A Complete Comparison2023-11-29 | 4 min
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A Complete Guide for Home Loan Insurance2023-04-03 | 4 min
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What Are the Pros and Cons of Home Loan Balance Transfer?2023-02-01 | 4 min
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How to Check Your Bajaj Housing Finance Home Loan Status2022-06-22 | 4 Min
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Benefits of a Home Loan2023-02-20 | 4 min
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Is It Mandatory to Take Insurance with a Home Loan?2023-08-01 | 5 min
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Secured vs Unsecured Loan - Know the Difference2023-08-24 | 2 min
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How to Choose the Best Home Loan?2023-08-09 | 4 min
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Difference Between Bank Rate and Repo Rate2023-09-22 | 5 min
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Increase or Decrease Effects of Repo Rate2023-08-29 | 7 min
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Understanding the Benefits of a Home Loan EMI Calculator2023-07-12 | 5 min
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Tips to Avoid Rejection of Your Home Loan Application2023-08-01 | 3 min
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Check Housing Loan Eligibility with Home Loan Eligibility Calculator2023-07-12 | 5 min
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Tips to Get Home Loan with Minimum Down Payment in India2023-07-11 | 5 min
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Factors That Determine Your Home Loan Eligibility2023-07-24 | 8 min
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Differences Between Repo Rate and Monetary Policy Tools2023-07-28 | 5 min
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What Happens to a Home Loan in the Case of the Borrower's Death?2023-04-17 | 4 min
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Taking a Home Loan to Buy a Property for Investment? Here Are 5 Points to Consider2023-04-17 | 5 min
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Know All About the HRA Benefit on Payment of House Rent2023-04-03 | 6 min
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A Guide to Statutory Liquidity Ratio2023-02-22 | 5 min
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Get Your Down Payment Funds Ready with These 5 Easy Steps2023-03-20 | 5 min
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5 Strategies to Manage High Home Loan EMIs Effectively2023-02-22 | 6 min
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Why Is Credit Score Important for Home Loan Lenders?2023-03-21 | 5 min
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Importance Of a Good Credit Score in The Home Loan Process2023-03-20 | 4 min
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Home Loan EMI Calculator Benefits and It’s Features2023-02-21 | 4 min
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4 Key Benefits of Home Loan Balance Transfer to Bajaj Housing Finance Limited2023-01-09 | 5 min
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Five Important Factors to Keep in Mind When Prepaying Your Home Loan2023-01-17 | 6 min
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A Step-by-Step Guide to Home Loan Balance Transfer Application2022-12-20 | 6 min
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Factors to Consider Before Opting for Home Loan Balance Transfer2022-12-14 | 5 min
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Top Things to Keep Track of While Doing a Home Loan Balance Transfer2022-12-18 | 7 min
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Smart Things to Consider Before You Apply for a Home Loan2022-12-14 | 5 min
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Factors to Consider Before Applying for a Home Construction Loan2022-12-02 | 5 min
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6 Point Differentiation Between Home Loan Vs Home Construction Loan2023-02-15 | 6 min
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Which is the Best Option: Land Purchase Loan or Home Loan?2023-02-01 | 6 min
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10 Reasons Why a Housing Loan Application May Be Rejected2023-02-20 | 3 min
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Why Should You Choose a Balance Transfer on Your Home Loan?2023-02-01 | 4 min
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What Factors Decide Your Home Loan Interest Rates?2023-05-29 | 6 min
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The Importance of a Home Loan NOC2023-01-31 | 7 min
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Five Tips to Choose the Right Digital Platform for Home Loans2023-02-09 | 3 min
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Types of Home Loans Available in India2022-06-28 | 5 Min
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How to Pick the Best Home Loan Tenor that Suits Your Budget