There should not be any limit to your dreams. When it comes to buying your dream home, you can always apply for a home loan and get your funds to ensure you don't miss out on it. However, you can now apply for Top-Up loan on your existing Home Loan and use the fund to fulfill your dream such as home renovation, wedding, etc. A top-up loan is an additional loan provided by a housing loan company on an existing home loan, with minimal documentation so that you never stop dreaming bigger.