Who doesn't love additional toppings over things? Be it mouthwatering toppings on your favorite pizza or additional sugar coated candies, toppings do enhance the attractiveness of the product of your choice.

Loan products have also started coming with additional top up facilities. And these facilities are termed as top up loans. Top up loans are toppings over your existent loans. A person can take a top up loan by mortgaging his existing house or even on existent home loans. Thus these loans are incremental toppings on your home loans.

If a person is a borrower of home loan and he needs an additional sum of money for renovation, painting or modification of his house, he can opt for top up loans. But that does not mean that top up loans are restricted to the purposes related to a house. A top up loan can be availed for any purpose like children's education, daughter's marriage or for buying some extra property.

Since the top up loan is taken on the existing home loan, so as the person pays for his home loans he also pays for the top up loans.