I have an old 3BHK purchased in 2011 and was looking for a full-scale refurbishment of the same. After discussing with a few friends, I had decided to avail a Personal Loan and approached Rupee Funding for the same. However, during discussion with them, it came up that there was already a Housing Loan running on the house; based on this, they advised me that a better option would be to avail a ‘top-up’ on the Housing Loan (at below 8%) instead of a high interest personal loan (11%). This resulted not only in lower EMIs, but also a more comfortable tenor on the loan. It was a good decision to go to them, instead of going to a Bank directly for Personal Loan.