Home Loan Balance Transfer
break free from high rates
- 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…
We connect you with the right lender for your needs.
Locations We Deal and ~Interest Rates 2022
Type / Location of Property | Approved Area | Gram Pachayat / Village | Freehold / Unapproved (with sale deed) |
---|---|---|---|
Approve Map, Completion Certificate | 7.10% | 8.25% | - |
Without Approved Map House | 7.95% | 8.25% | 8.25% |
Without Map Flat Up to 2nd Floor | 7.95% | 8.40% | 8.40% |
Without Map Third Floor Flat | 7.95% | 8.40% | 8.40% |
Without Map Fourth Floor Flat | 9.90% | 9.90% | 12.00% |
Narrow Road/Gali (5-8 Feets) | 10.90% | 11.25% | 11.25% |
Basement / Lower Ground Floor | 11.75% | - | - |
Without Map Fifth Floor Flat | 12.00 | 12.00 | 12.00 |
Parking Flat / Stilt Flat / Bacha Flat | 12.5% | 12.5% | 12.5% |
Stone-Slab (Kadi Pathar) Roof | 12.5% | 12.7% | 12.7% |
Home Loan Balance Transfer Calculation
Easy as 1-2-3
[CP_CALCULATED_FIELDS id=”13″]
Trending Home Loan Balance Transfers
Sorted alphabetically
Transfer-from
Bank / NBFC | Search Heat |
---|---|
Bajaj Finserv | 1010 |
Canara Bank | 440 |
Central Bank of India | 220 |
DHFL | 660 |
IDBI Bank | 260 |
IIFL | 240 |
Indiabulls | 220 |
LICHFL (to and from) | 2230 |
PNBHFL | 650 |
Tata Capital | 220 |
UCO Bank | 120 |
Union Bank | 430 |
Transfer-to, and Rate of Interest
Bank's Name | Lowest Rate Offer |
---|---|
Deutsche Bank | 7.10% |
Axis Bank | 7.60% |
BOB | 7.95% |
HDFC Home Loan | 8.10% |
ICICI Bank | 8.10% |
IDFC First Bank | 7.95% |
Kotak Mahindra Bank | 7.99% |
LIC Housing Finance | 7.50% (freedom plan) |
PNB Housing Finance | 7.50% |
SBI | 7.55% |
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
Time it Takes
With private banks and housing finance companies, it takes 10 to 15 days. PSU bank or PSU HFC takes 20 to 30 days.
Home Loan Transfer Charges
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.
Home Loan Top-up
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)
Home Loan Balance Transfer Process
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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