What is a Home Loan Balance Transfer?
A home loan balance transfer moves your existing home loan from your current lender to a new lender offering a lower interest rate. A 0.5% reduction on a ₹50 lakh loan over 20 years saves approximately ₹3.5–₹4 lakh in total interest.
When Does a Balance Transfer Make Sense?
Consider it when your current rate is at least 0.5% higher than the best available rate and you have at least 5+ years of remaining tenure.
Costs of a Balance Transfer
Processing fee at new lender: 0.5–1% of outstanding loan. Legal and technical verification: ₹5,000–₹15,000. Calculate your break-even period—typically not worthwhile if break-even exceeds 18 months.
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