{"id":9094,"date":"2020-05-04T09:54:07","date_gmt":"2020-05-04T09:54:07","guid":{"rendered":"\/blog\/?p=9094"},"modified":"2021-05-07T13:44:17","modified_gmt":"2021-05-07T13:44:17","slug":"simple-ways-to-pay-for-home-renovations","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/home-repair-loan\/simple-ways-to-pay-for-home-renovations\/","title":{"rendered":"Simple Ways to Pay for Home Renovations"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9094\" class=\"elementor elementor-9094\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-466cc13b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"466cc13b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9471805\" data-id=\"9471805\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-312bccbf elementor-widget elementor-widget-text-editor\" data-id=\"312bccbf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.14.0 - 26-06-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>Whether<br>you live in an ancestral home or a newly purchased one, some renovations or<br>changes are needed with time due to wear and tear. Often, a change may also be<br>required to make the home more comfortable, modern, and livable for the family.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:button {\"backgroundColor\":\"vivid-cyan-blue\",\"align\":\"center\"} --><\/p>\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-background has-vivid-cyan-blue-background-color\" href=\"https:\/\/www.tatacapital.com\/personal-loan\/home-renovation-loan.html\">Know More<\/a><\/div>\n<p><!-- \/wp:button --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>You<br>may not always have the money at your disposal to pay upfront for all expenses<br>needed for a renovation. Liquidating your hard-earned savings for a spruce job<br>doesn\u2019t seem financially prudent either.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>There<br>are many ways to get your renovation project funded &#8211; you can get home repair<br>loans, conduct a garage sale, get a top-up home renovation loan, and more.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Here<br>are some quick and simple solutions you could try:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>Garage sale\/online sale<\/strong><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If<br>you are overhauling your house for contemporary needs, there is a good chance<br>you may be getting rid of a lot of stuff, including white goods, kitchen appliances,<br>wooden items such as chairs, tables, cabinets, etc.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Rather<br>than paying someone to discard them, you could sell a lot of things you don\u2019t<br>need through a garage sale or list it for sale online. Yes, the money you make<br>may not be enough to fund your entire project, but it can surely help to an<br>extent.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>Credit cards<\/strong><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If<br>you are making small changes to your home, like installing a new wardrobe,<br>spending via your credit card could be a good option. The amount could easily<br>be converted into three to six-month EMIs depending on your budget. However, it<br>is important to note that the interest rate on credit cards is one of the<br>highest among all loan products. It could range from 15% to 25% or even more,<br>making the financing very expensive.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>Personal loan<\/strong><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:image {\"id\":9096,\"sizeSlug\":\"large\"} --><\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"400\" src=\"\/wp-content\/uploads\/2020\/05\/simple-ways-to-pay-for-home-renovations-1.jpg\" alt=\"Personal Loan for Home Renovation&nbsp;\" class=\"wp-image-9096\" srcset=\"https:\/\/tata-blog.osian.dev\/blog\/wp-content\/uploads\/2020\/05\/simple-ways-to-pay-for-home-renovations-1.jpg 770w, https:\/\/tata-blog.osian.dev\/blog\/wp-content\/uploads\/2020\/05\/simple-ways-to-pay-for-home-renovations-1-300x156.jpg 300w, https:\/\/tata-blog.osian.dev\/blog\/wp-content\/uploads\/2020\/05\/simple-ways-to-pay-for-home-renovations-1-768x399.jpg 768w\" sizes=\"auto, (max-width: 770px) 100vw, 770px\" \/><\/figure>\n<p><!-- \/wp:image --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>A<br>personal loan for home renovation&nbsp;is one of the quickest and most<br>affordable ways to fund your project. Such a loan&nbsp;offers complete<br>flexibility to manage the repayment terms. Whether it is a small fix-up job or<br>a full-scale remodeling, you can avail of a house renovation loan&nbsp;that<br>will allow you to renovate your home just the way you want to without cutting<br>corners.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>Top-up loan<\/strong><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If<br>you have an existing home loan, you could avail of a top-up loan for your<br>renovations. The eligibility of your top-up loan depends on your current debt<br>exposure with the home financing company and credit risk. If a good chunk of<br>your home loan has been repaid, you may be able to get as much an amount you<br>need.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The<br>advantage of a top-up loan is that you do not need to go through any additional<br>documentation or processing. The loan amount gets added to your existing loan.<br>A top-up loan, however, maybe 1% to 2% more expensive than your existing loan.<br>And it increases your home loan tenure proportionately.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>In closing <\/strong><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>A <a title=\"Home Renovation Loan\" href=\"https:\/\/www.tatacapital.com\/personal-loan\/home-renovation-loan.html\">home renovation loan<\/a> is one of the easiest and economical ways of remodeling your home. Check out a personal loan for home improvement from Tata Capital, which is affordable, convenient and absolutely transparent.<\/p>\n<p><!-- \/wp:button --><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e844b14 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e844b14\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-0aa88f1\" data-id=\"0aa88f1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-668fad0\" data-id=\"668fad0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-cd48bd4\" data-id=\"cd48bd4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Whether you live in an ancestral home or a newly purchased one, some renovations or changes are needed with time due to wear and tear.  <\/p>\n<p><a href=\"https:\/\/tata-blog.osian.dev\/blog\/home-renovation-loan\/simple-ways-to-pay-for-home-renovations\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":9095,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-9094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-repair-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Simple Ways To Pay for Home Renovations - Tata Capital Blog<\/title>\n<meta name=\"description\" content=\"Home renovation costs are very high, but there are ways to pay off such expenses. 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