JoyHome LoanBalance Transfer

Home Loan Balance Transfer

break free from high rates]

Submit your details to get a call from our loan expert.

  • Easy and fast process
  • Lowest rate on all property, incomes
  • Flexibility to change loan tenure
  • Merge loans with top-up
  • Serving in Delhi NCR since 2012.

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Get maximum saving on your loan


Institutions We Deal With…


Locations We Deal and ~Interest Rates 2022

 Approved LocationsLal Dora / Gram Pachayat LandUnauthorized Colony (with sale deed)
Authority Approve Map and Completion Certificate7.10%8.25%-
Without Map House 7.95%8.25%8.25%
Without Map Single Unit Floor (Up to 2nd Floor)7.95%8.40%8.40%
Without Map Flat Up to Third Floor (including Multiple Units)7.95%8.40%8.40%
Fourth Floor / Flat9.90%9.90%12.00%
Narrow Road/Gali (5-8 Feets)10.90%11.25%11.25%
Basement / Lower Ground Floor11.75%--
Fifth Floor12.0012.0012.00
Parking Flat / Stilt Flat / Bacha Flat 12.5%12.5%12.5%
Stone-Slab (Kadi Pathar) Roof12.5%12.7%12.7%

Home Loan Balance Transfer Calculation

Easy as 1-2-3


Trending Home Loan Balance Transfers

Sorted alphabetically

Transfer-from

InstitutionSearch Heat
Bajaj Finserv1010
Canara Bank440
Central Bank of India220
DHFL660
IDBI Bank260
IIFL240
Indiabulls220
LICHFL (to and from)2230
PNBHFL650
Tata Capital220
UCO Bank120
Union Bank430

Transfer-to, and Rate of Interest

Bank's NameLowest Rate Offer
Deutsche Bank7.10%
Axis Bank7.60%
BOB7.95%
HDFC Home Loan8.10%
ICICI Bank8.10%
IDFC First Bank7.95%
Kotak Mahindra Bank7.99%
LIC Housing Finance7.50% (freedom plan)
PNB Housing Finance7.50%
SBI7.55%

Home Loan Transfer Charges

  • Zero foreclosure charges because of RBI guidelines
  • Processing fee to the new bank
  • For “non-standard” cases, Joy Loan’s charge coordination fee 

We charge a small fee in cases with non-standard income, legal or property technical issues. These charges are payable after sanction of your loan. So, you risk nothing.

For high-value standard cases, we can reward you with processing fee cashback. For non-standard cases, we offer a discount on our coordination fee. We do everything to make your loan pleasant and rewarding in a long run.

Apply now and connect to our loan specialist.


FAQ Home Loan Transfer

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With private banks and housing finance companies, it takes 10 to 15 days. PSU bank or PSU HFC takes 20 to 30 days.

1. Zero foreclosure charges because of RBI guidelines
2. Processing fee to the new bank
3. For "non-standard" cases, Joy Loan's charge coordination fee

We charge a small fee in cases with non-standard income, legal or property technical issues. These charges are payable after sanction of your loan. So, you risk nothing.

For high-value standard cases, we can reward you with processing fee cashback. For non-standard cases, we offer a discount on our coordination fee. We do everything to make your loan pleasant and rewarding in a long run.

Renew your home or consolidate your debts. Use home loan top-up as you please.

Banks offer up to 80% loan on your property value (including transfer and top-up)

1. New bank sanctions your loan (10 to 20 days)
2. The new bank makes a demand draft in name of your old bank (3 to 7 days)
3. After receiving payment, old bank will release property papers
4. New bank's lawyer deposits these documents to new bank
5. Bank releases top-up loan amount after receiving property papers from your old bank.

This process is simpler than your first loan process.


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