Joy – Home Loan – Faridabad – Double Unit Flats Transfer

Home Loan Balance Transfer for Double-Unit Flats in Faridabad

Get Free Eligibility Check

✅ Available for Greenfield Colony, Sainik Colony, and Springfield Colony

✅ Interest rates start at Just 8.25%

✅ EMI savings of ₹10000 to ₹20000 monthly on 50L loan

✅ 2-Weeks Fast Approval from leading PSU institution

✅ Trusted Delhi NCR Loan Expert Since 2012

See My EMI Saving

Apply now for guaranteed saving in your EMI.

Still Stuck with High EMIs on Your Double-Unit Flat?

Since 2019, property registration (sale deed / registry) for double unit flats—where builders constructed two flats on one floor—has been officially stopped by authorities in Faridabad. Despite this, thousands of residents in Greenfield Colony (Sector 42, 43, 45), Sainik Colony (Sector 49), Springfield Colony (Sector 31) and a few other locations had already purchased these flats and availed home loans through NBFCs and a few banks.

👉 These NBFCs are no longer issuing new loans or offering loan transfers in such properties—but they continue to charge high interest rates, often 11% to 14%, from existing borrowers.

Over the last few years, many lenders have increased rates for existing customers, especially those in Greenfield Colony, Sainik Colony, and Springfield Colony, where the loan amount range from ₹30L to ₹1.2Cr.

The result? Homeowners with eligible repayment histories are now stuck paying ₹10,000 to ₹20,000 more per month (/50 Lakhs) — and they had no option to reduce their EMIs.

🟩 Greenfield Colony: High ticket posh builder floors, mostly Sector 42/43, PIN 121003 🟦 Sainik Colony: Large builder floor population in Sector 49 🟨 Springfield Colony: builder flat / floor layouts in Sector 31, PIN 121002.

Why Transfer Your Loan with Joy Loan in Greenfield, Sainik, and Springfield Colony

Are you stuck with a high-interest home loan on your Greenfield Colony double-unit flat? Learn how Joy Loan can help you reduce EMIs and interest rates through a smooth balance transfer…

At Joy Loan, we’ve partnered with specialized PSU lending institutions and private NBFCs who understand the concerns of builder floor home loans in Faridabad — and can offer home loan balance transfers for double unit flats. Whether you’re in a posh Greenfield flat, a builder floor in Sainik Colony, or a Springfield home — this is the most practical route to reduce your loan burden fast.

Transfer Your Home Loan at Lower Interest — Even If You Own a Double Unit Flat

🎁 Additional Benefits:

We don’t just transfer your loan—we make your entire financial setup smoother and smarter:

✔️ Loan Tenure Flexibility

Increase or decrease your loan tenure as per your monthly budget. Whether you’re aiming for faster closure or lower EMIs, we customize everything based on your financial requirement and strategy.

✔️ Top-Up Facility with Debt Consolidation

Need extra funds or want to merge multiple loans into one? Our top-up option lets you handle personal, renovation, or business expenses—while saving on interest. No restrictions on use—this top-up gives you freedom to invest, upgrade, or spend where it matters most.

✔️ Fast & Easy Loan Transfer Process

From login to disbursement, our expert team handles everything with precision and speed—so you never feel stuck or confused.

✔️ Dedicated Local Presence in Faridabad

We know Faridabad inside-out. Our consultants guide you through every legal, property, and bank-specific nuance relevant to your area.

✔️ Pay Our Loan Coordination Fee After Approval

No upfront payment risk. Pay our coordination fee only when your loan is approved—guaranteed transparency and peace of mind.

💬 Why Customers Trust Us Year After Year

We aren’t just a loan agency—we’re your long-term partners in financial growth:

Serving the Delhi NCR market since 2012
1000s of successful loan transfers
Expert consultation available on-demand
Seamless coordination from login to final disbursement

👉 It’s time to stop overpaying. Let us handle the transfer while you enjoy peace of mind.

Start My Transfer

Easy application, and complete support for home loan transfer.

Coverage in Faridabad’s Builder-Floor Colonies

Whether you own a double-unit flat in Greenfield, Sainik, or Springfield Colony, our local experts make your balance transfer seamless. Each neighbourhood faces unique loan challenges—high NBFC rates, stalled approvals, regulatory hurdles—but we’ve built partnerships and processes tailored to Faridabad’s top sectors.

Greenfield Colony (Sector 42/43/45) Lower your EMI on premium double-unit flats with an 8.25% balance transfer—fast approval in just 2 weeks.
Sainik Colony (Sector 49) Escape 11–14% NBFC rates and switch to PSU lenders offering reduced interest and dedicated local support.
Springfield Colony (Sector 31) Navigate builder-floor restrictions effortlessly and secure one of Faridabad’s lowest home-loan rates on your double-unit property.

Home Loan Balance Transfer for Double-Unit Flat in Faridabad: 4 Easy Steps

Looking to lower your EMI on a double-unit flat in Faridabad? Our simple 4-step balance transfer guides you from start to finish. We handle your application, get bank approval, disburse funds to your old lender, and help to move your property papers to the new bank. You keep your home loan—now at a lower rate—with zero hassle.

See Real EMI Savings in Faridabad

Colony	NBFC ROI (Old)	New ROI Offered	Monthly EMI	Savings/Month
Greenfield Colony	11.5%	8.25%	₹53,331	₹10,718
Sainik Colony	13.2%	8.25%	₹59,293	₹16,690
Springfield Colony	12.75%	8.25%	₹57,691	₹15,088

Case Study: Loan amount 50 Lakhs for 20 years.New offer @8.25%, EMI ₹42,603

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Banks / NBFCs We Deal With…

*We are independent consultants. We do not represent or act on behalf of any bank. Logos are not used to imply affiliation.

Help Me Choose

We connect you with the right lender for your needs.

Are You Eligible to Switch?

Ready to lower your EMIs on a double-unit flat in Faridabad? First, check if you qualify for a Home Loan Balance Transfer.

How It Works

📋 Free Eligibility Check: We verify your loan history and run a quick credit scan.
🔗 Bank & NBFC Tie-Up: We match you with PSU banks and NBFC partners offering the best rates.
🗂️ Document Collection & Submission: Our team helps you gather and upload all required papers in one go.
💸 Disbursement & Lower EMI: Funds are paid to your old lender, and your loan moves to the new bank at a lower rate.

Key Eligibility Snapshot

Minimum 6 months of on-time repayments on your current home loan (maximum 2 bonusing in last 12 months)
Property located in Greenfield Colony, Sainik Colony, or Springfield Colony, Faridabad
Loan-to-value ratio (LTV) of 80% or less

🧠 Frequently Asked Questions: Home Loan Balance Transfer for Double-Unit Flats in Faridabad

1. Can I Transfer my Home Loan for a Double-Unit Flat in Faridabad?

Yes. Even though sale-deed registrations were halted in 2019 for double-unit flats, we’ve tied up with a leading PSU and private NBFCs to handle balance transfers in Greenfield Colony, Sainik Colony, and Springfield Colony.

Your existing loan continues—just at a lower rate.

2. What are the Eligibility Criteria for Transferring My Loan in Greenfield Colony?

You Need:

CIBIL score of 720+
A clean EMI repayment history (0 delay payment in last 6 months, not over 1 EMI bounce in last 12 months)
KYC, income, banking and other property related documents

3. How Much EMI Can I Save on a ₹50 Lakh Loan Through a Balance Transfer?

With rates starting at 8.25%, you can save between ₹10,000–₹20,000 per month on a ₹50 Lakh loan—up to ₹2.4 Lakh annually. That’s financial relief you’ll feel every month.

4. Will I Get Better Interest Rates in Sainik Colony Compared to My Current NBFC Loan?

Absolutely. Existing NBFC loans in Sainik Colony often carry 11–14% rates. By transferring to our partner PSU housing finance company, you lock in rates from 8.25%, plus a 2-week fast-track approval.

5. Why NBFCs No Longer Offer Fresh or Transfer Loans on Double Unit Flats in Greenfield, Sainik & Springfield Colonies?

Since 2019, the government has halted registration of double-unit flats. Because NBFC can not execute sale deed in favor of an auction winner, a defaulted double-unit flat becomes legally unsellable. As a result, NBFCs no longer offer new loans or balance transfers on these properties.

Existing NBFC home loans continue to run, but at higher interest rates to compensate for the added risk.

6. Can I Get a Loan Against Property on Double-Unit Flat in Faridabad?

Yes. ROI for a loan against property (LAP loan) on these properties double-unit flats starts from 9.75% with the same 2-week approval process.

7. Can I Get a Home Loan to Buy Double-Unit Flat on GPA in Faridabad?

No. For such transactions, we offer Personal & business loans for GPA flats. Our expert consultants assess your income and structure the loan accordingly.

Visit our GPA funding page or drop us a message. We’ll arrange an expert consultation and guide you through personal/business loan options for GPA-based purchases.

8. How Long Does the Balance Transfer Process Take?

From application to disbursement, it typically takes 2 weeks—provided documentation clearances. Our end-to-end coordination ensures no unnecessary delays.

9. What Documents Are Required for a Springfield Colony Loan Transfer?

You’ll need:

KYC and income related documents
Bank statements for last 12 months
Loan account statement, and LOD letter from existing banker
Property related documents

10. How Much is the Processing Fee?

For PSU Institute, total charges from application to disbursement amount to ₹26,000–28,000 (irrespective of loan amount).

This covers the application (login) fee, legal and valuation charges, processing fee, stamp duty, and SARFAESI charges. Each component is payable at different stages, directly to the bank or bank’s appointed lawyer, or valuator.

Private NBFCs charge a processing fee between 0.75% to 1.25% + GST

Deep Faridabad Expertise: Since 2012, we’ve focused exclusively on Delhi NCR’s loan landscape—specializing in those tricky double-unit flats that others avoid.
Exclusive PSU Tie-Ups: We partner with top PSU banks to secure rates from just 8.25% and 2-week fast approvals—even when NBFCs say “no.”
End-to-End Support: From your first online login through legal checks, valuation, sanction, to final disbursement, our in-house team manages every step.
1000s of Satisfied Customers: Thousands of Faridabad homeowners have saved lakhs on EMIs and benefited from our expert guidance on technical and legal hurdles.

With Joy Loan, you’re not just transferring a loan—you’re unlocking peace of mind, expert advocacy, and real savings on your double-unit flat.

Apply for Your Home Loan Transfer Now!

Lock 8.25% Rate Today

Stop paying extra. Start saving today.