logo
Home Loans
Calculators
Resources
Partner with Us
Find Properties
Free Credit Report
Loading...

Why Consider a Home Loan Balance Transfer?

A balance transfer allows you to move your existing home loan to a new lender offering better terms. Our expert team helps you find the best offers across leading banks and housing finance companies.

Lower Interest Rates

Switch your home loan to get competitive interest rates from 8.50%* p.a. and save in lakhs

Top-up Loan Facility

Get additional funds against your home loan at lower interest rates for renovation and other needs

Flexible EMIs

Choose your home loan tenure and enjoy lower EMIs by switching to flexible repayment plans

Simple and Fast Process

100% digital process with guaranteed fast disbursals

Home Loan Balance Transfer Calculator

Check your savings with a home loan balance transfer calculator.

₹
₹1.0 Lacs.₹10.0 Cr.
%
2 %30 %
Yr
1 Yr30 Yr
New Loan
%
2 %20 %
Yr
1 Yr30 Yr
Total Savings on Transfer
₹0

Existing EMI
₹0
New EMI
₹0
Monthly Savings
₹0
Total Savings on Transfer

Savings

₹ 0

Speak to a Home Loan Expert Today

Free Consultation

Steps To Transfer Your
Home Loan To A New Bank

1Free Consultation

Share your current loan details with our experts for a preliminary analysis

2Compare Offers

Get personalized offers from multiple banks with detailed comparisons

3Document Collection

We'll help you gather and organize all required documents

4Application Processing

Our team handles the complete application process with your chosen bank

5Loan Disbursement

Quick disbursement with end-to-end support until completion

Pros and Cons of Home Loan Balance Transfer

Advantages

Lower Interest Rates

Better Service

Top-up Facility

Tenure Flexibility

Better Features

Tax Benefits

Considerations

Processing Fees

Documentation

Time Investment

Property Valuation

Foreclosure Charges

Break-Even Period

What is a Home Loan Top Up?

A Home Loan Top Up is an additional loan amount that you can borrow from your existing home loan lender, using your property as collateral. It's like getting a second loan on top of your existing home loan, but at much lower interest rates compared to personal loans or credit cards.

Key Features:

  • Interest rates similar to home loan
  • Loan amount up to ₹50 lakhs*
  • Tenure up to 30 years
  • Tax benefits under Section 24
Apply NowLearn More
TOP BANKS, BEST OFFERS

Only the best Balance Transfer Bank Partners

₹50,00,000
20 Years

Kotak Mahindra

HDFC

SBI

Bajaj Finance

Axis Bank

TATA Capital

Bank Of Baroda

Karur Vyasya Bank

ICICI Bank

Bank Of India

IDBI Bank

IDFC First Bank

Canara Bank

LIC HFL

Punjab National Bank

IIFL

Aditya Birla Housing Finance Ltd

Sammaan Capital

Piramal Capital & Housing Finance

Aadhar Housing Finance Ltd.

Equitas Small Finance Bank

Aavas Housing Finance

South Indian Bank

Shriram Housing Finance

Mahindra Housing Finance

Ujjivan Small Finance Bank

Jana Small Finance Bank

Union Bank Of India

HSBC

Federal Bank

Grihum Housing Finance

L&T Housing Finance

RBL Bank

Cholamandalam

DCB Bank

Dhanlaxmi Bank

Hinduja Housing Finance

Repco Home Finance

Can Fin

Kotak Mahindra
Compare Now
Upto 5crMax 30 Years₹ 44,185 - ₹ 47,7558.75% - 9.85%
HDFC
Compare Now
6cr - 10crMax 30 Years₹ 44,185 - ₹ 47,0978.75% - 9.65%
SBI
Compare Now
Upto 5crMax 30 Years₹ 41,822 - ₹ 47,2618.00% - 9.70%

WHY CHOOSE US

The Credit Dharma Advantage

India’s most trusted home loan platform with 200+ happy customers
Credit Dharma Advantage

Credit Dharma Assured

creditdharma
Others

Lowest Interest Rates offers

YES
NO

Approval Time

1-2 Weeks
3-5 Weeks

Lifetime Support

YES
NO

Funding

Upto 100%*
Upto 85%

Process

Simple & Digital
Loads of Paperwork, Branch Visits
Lowest Interest Rates
Lowest Interest Rates
Save more with every EMI
Simple & Digital Process
Simple & Digital Process
Hassle free experience
Guaranteed Fast Approval
Guaranteed Fast Approval
Quick disbursals, no delay
Lifetime Support
Lifetime Support
Dedicated Home Loan Expert
Be a part of the
Credit Dharma Advantage
We handle everything for you
Avatar 1Avatar 2Avatar 3Avatar 4Avatar 5
verified
Support
verified
Maximum Funding
verified
Documentation
verified
Best Loan Offers
whatsapp   Talk to an Expert

Home Loan Balance Transfer Guide

Documents
Eligibility
Common Mistakes
Necessary Documents For A Home Loan Balance Transfer
Ensure you have all these documents ready for a smooth process.
For a home loan balance transfer, the key documents required include your current home loan statement, loan sanction letter, and property documents such as the sale deed and title documents. You'll also need to provide proof of identity (such as a passport, Aadhaar card, or driver's license), proof of address (utility bills, rent agreement, etc.), and income proof, which typically includes salary slips or IT returns for salaried individuals and bank statements.
KYC Documents
Income Documents
Business Owner Documents
Existing Loan Documents
Property Documents
Frequently Asked Questions About a Home Loan Balance Transfer

Get detailed answers to the most frequently asked questions, tailored for your peace of mind.

What are the benefits of a home loan balance transfer?

How can Credit Dharma assist me in cutting costs on my existing home loan?

What documents are required for a home loan balance transfer?

How does credit score affect home loan balance transfer?

Who is eligible for a home loan balance transfer?

What are the benefits of a home loan balance transfer?
Key benefits are lower interest rates, flexible tenure, saving on EMIs, access to higher loan eligibility, switching lender in case of poor services etc. This helps in reducing overall interest outgo.
How can Credit Dharma assist me in cutting costs on my existing home loan?
What documents are required for a home loan balance transfer?
How does credit score affect home loan balance transfer?
Who is eligible for a home loan balance transfer?
logologo
Fast. Transparent. Spam Free.
Getting a home loan in India is none of the above.
At Creditdharma we are changing that and making your home buying journey stress free. Top Experts, Best Banking Partners and Super Easy Process.
Quick Links
Blogs
Home Loan Eligibility
Balance Transfer
Calculators
About Us
Partner with Us
Become an Advisor
Properties
Glossary
IFSC Code Search
Refer & Earn
Free Credit Report
Home Loan Score
Help
Sitemap
Get in Touch
Enzyme Office Spaces , 27th Main, 480/B, 18th Cross Road, HSR Layout, Bengaluru, Karnataka 560102
linkedininstatwt/x
General Enquiry
contact@creditdharma.in

Home Loans From Top Banks

SBI

SBI Home LoansSBI Home Loan EMI CalculatorSBI Home Loan Eligibility CalculatorSBI MaxGain Home LoansSBI Privilege Home LoanSBI Home Loan StatementSBI Home Loan Customer Care

HDFC

HDFC Home LoansHDFC Home Loan EMI CalculatorHDFC Home Loan Eligibility CalculatorHDFC Loan Against PropertyHDFC Home Loan with Overdraft FacilityHDFC Home Loan StatementHDFC Home Loan Customer Care

LIC Housing Finance

LIC Housing Finance Home LoansLIC Home Loan EMI CalculatorLIC Home Loan Eligibility CalculatorLIC Plot Loan DetailsLIC Home Loan StatementLIC Home Loan Customer Care

Bank of Baroda

Bank of Baroda Home LoansBank of Baroda Home Loan EMI CalculatorBank of Baroda Home Loan Eligibility CalculatorBank of Baroda Loan Against PropertyBank of Baroda Home Loan StatementBank of Baroda Home Loan Customer Care

IDBI Bank

IDBI Bank Home LoansIDBI Bank Home Loan EMI CalculatorIDBI Bank Home Loan Eligibility CalculatorIDBI Bank Home Loan Interest RatesIDBI Bank Home Loan StatementIDBI Bank Home Loan Customer Care

ICICI Bank

ICICI Bank Home LoansICICI Bank Home Loan EMI CalculatorICICI Bank Home Loan Eligibility CalculatorICICI Bank Home Loan Top-UpICICI Bank Home Loan StatementICICI Bank Home Loan Customer Care

AXIS Bank

AXIS Bank Home LoansAXIS Bank Home Loan EMI CalculatorAXIS Bank Home Loan Eligibility CalculatorAXIS Bank Loan Against PropertyAXIS Bank Home Loan StatementAXIS Bank Home Loan Customer Care

BAJAJ Housing Finance

BAJAJ Housing Finance Home LoansBAJAJ Housing Finance Home Loan EMI CalculatorBAJAJ Housing Finance Home Loan Eligibility CalculatorBAJAJ Housing Finance Sambhav Home LoanBAJAJ Housing Finance Home Loan StatementBAJAJ Housing Finance Home Loan Customer Care

Resources

Best Home Loans in Your City

Home Loans in BangaloreHome Loans in HyderabadHome Loans in MumbaiHome Loans in DelhiHome Loans in ChennaiHome Loans in JaipurHome Loans in Pune

Home Loans by Amount

Home Loan for 40 LakhsHome Loan for 45 LakhsHome Loan for 50 LakhsHome Loan for 55 LakhsHome Loan for 60 LakhsHome Loan for 65 LakhsHome Loan for 70 Lakhs

Home Loans by Salary

Home Loan for 40,000 SalaryHome Loan for 50,000 SalaryHome Loan for 60,000 SalaryHome Loan for 70,000 SalaryHome Loan for 80,000 SalaryHome Loan for 90,000 SalaryHome Loan for 1 Lakh Salary

Trending Home Loan Options

Home Loans for Salaried IndividualsHome Loans for Business OwnersPlot cum Construction LoansLoan Against Property DetailsHome Loan Top-Up DetailsHome Loan for NRIsHome Loan Without ITR Documents

Tools

Home Loan EMI CalculatorHome Loan Balance Transfer CalculatorCompare Home LoansHome Loan Eligibility CalculatorBuy vs Rent CalculatorFind Branch Details with IFSC CodeHome Loan Tax Benefits CalculatorFOIR CalculatorCheck Your Credit ScoreHome Loan Prepayment CalculatorHome Loan Insurance CalculatorProperty Budget CalculatorHome Loan with Overdraft CalculatorCapital Tax Gains CalculatorExplore CD Approved PropertiesPlot Loan EMI CalculatorRental Yield CalculatorHome Loan Downpayment Calculator30-30-30-10 Calculator

Compare Home Loans

HDFC vs SBI Home LoansHDFC vs ICICI Home LoansHDFC vs BAJAJ Housing FinanceSBI vs AXIS Home LoansBank Of India vs SBIBank of Baroda vs AXIS BankHDFC vs Bank of BarodaSBI vs IIFL Housing FinanceSBI vs ICICI BankSBI vs BAJAJ Housing FinanceAXIS Bank vs ICICILIC vs SBI Home Loans

Best Home Loan Offers

Best Banks for a Home Loan Balance TransferBest NBFCs for a Home LoanBest Small Finance Banks for Home LoansBest Housing Finance CompaniesBest Public Sector BanksBest Options for Independent Properties
© Copyright Tres Commas Technologies Pvt. Ltd.
CIN : U72900KA2021PTC143997
Privacy Policy | Terms & Conditions
Disclaimer : The information contained in this website is presented purely for information purposes only provided as service to the internet community at large. It does not constitute insurance advice and we do not guarantee the accuracy, adequacy or the completeness of the information contained here.