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What is a Home Loan Balance Transfer?

A home loan balance transfer, or simply a home loan transfer, takes place when you transfer your outstanding home loan amount to a new lender from your existing lender. In such a case, the lender who has originally extended the home loan gets the unpaid principal amount, and the borrower is required to pay EMIs at the home loan balance transfer interest rate offered by the new lender.

With Tata Capital Home Loan Balance Transfer, you can transfer your outstanding home loan balance to affordable interest rates. Our home loan interest rates start from just 8.75% per annum*. 

Why Should You Transfer Your Home Loan to Tata Capital?

You can transfer your outstanding home loan balance to Tata Capital and enjoy lower interest rates and greater flexibility. Additionally, our home loan balance transfer process is seamless and hassle-free. Below are the reasons why you should transfer your home loan balance to Tata Capital:

  • Lower EMI with Attractive ROI

    Perhaps, the primary reason for doing a housing loan balance transfer is the lower interest rate offered by a new lender. The lower your home loan interest rate is, the lower would be your home loan EMIs. Tata Capital offers the most competitive home loan interest rates in India, starting from just 8.75% per annum*.

  • Qualify with Top-up Loan

    Get a home loan of up to Rs. 5 crores to meet all your housing finance requirements. In addition to this, you can avail of a home loan top-up to meet your additional requirements with ease. 

  • Reduce EMIs with an Increase in Tenure

    We provide you the flexibility to extend your home loan tenure for up to 30 years. Thus, you can choose to avail of our home loan balance transfer facility to increase your home loan tenure and subsequently reduce your monthly EMI.

  • Quick Sanction and Disbursal

    Another reason for transferring your home loan balance to us is that we ensure quick sanctions and disbursals. It means that you don’t have to wait too long to acquire financing for buying or constructing your house.

  • Minimum Documentation

    You can avail of our housing loan balance transfer facility with minimal documentation. Additionally, our home loan balance transfer process is easy and involves a few simple steps. You can apply for a home loan transfer with us online or offline.

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What are the Eligibility Criteria for Home Loan Balance Transfer?

The eligibility criteria for home loan balance transfer may vary from lender to lender. For transferring your home loan balance to Tata Capital, you need to fulfill the following eligibility requirements:

  • The property for which you have taken a home loan should either be occupied or at least ready to be occupied

  • You should not have any outstanding dues on your existing home loan

    • Note - The eligibility criteria may differ from case to case based on the customer’s profile. There can be some other eligibility requirements for a home loan balance transfer with Tata Capital.

Is it Possible to Get a Home Loan Balance Transfer with Top-Up?

With Tata Capital, you can avail of the home loan balance transfer with a top-up facility. Your home loan top-up amount and your home loan balance transfer interest rate will be calculated based on your eligibility. You can use our home loan balance transfer and top-up calculator to know your home loan top-up amount instantly.

What is a Home Loan Balance Transfer Calculator?

 

A home loan balance transfer and top-up calculator is a simple online tool that can help you determine your eligibility for transferring your home loan balance to us. You can also evaluate the monthly savings that you can make on transferring your home loan balance to us. 

To use our home loan balance transfer calculator, you will need to input the following details in it:

  • Requested Loan Amount

    This is the principal home loan amount that you’ve borrowed from your existing lender

  • Requested Tenure

    This is the duration for which you want your home loan with the new lender

  • Net Salary or Income

    This is your take-home salary or annual income after deducting the taxes and investments

  • Monthly Obligations

    This is the sum of your monthly commitments or requirements, including the EMIs for other loans

  • Cost of Property

    This is the total purchase price of your housing property plus the additional taxes and expenses

  • Loan Principal Outstanding

    This is your outstanding home loan principal amount with your existing lender

  • Existing EMI

    This is your current home loan EMI charged by your existing lender

    • Once you enter these details in our home loan balance transfer calculator, it will display the maximum balance transfer amount you’re eligible for and the total savings you can make every month by choosing to transfer your outstanding home loan balance to us.

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What our customers say about us

Service provided by Manoj Patel in Surat vesu Branch was helpful and because of his support we were able to close loan.

Prakash Patil

Home Loan | 23 Aug, 2024

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Excellent A1 Services. The Lady at the Customer Desk is very Cooperative and helpful so that my work completed without the time frame. The name of the Lady is Amruta Pathak. God bless her and her family. Thanks and Regards for the entire team of Tata Capital.

Nandlal Lal Arora

Home Loan | 13 Aug, 2024

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Very good & prompt service, and we have spoken to Mr. Manish also, and he always helps us to provide our request. Thank you, Ms Apurva Shende & Manish Padwal

Farhang Ahmed Azar

Home Loan | 24 Jul, 2024

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