Home Loan Balance Transfer - Reduce EMI | MyFinanceCare

Transfer Your Home Loan and Save More on EMI Reduce Your EMI Burden

Shift your existing home loan to another bank for better interest rates, lower EMI, top-up loan options and improved repayment terms.

Top Bank Offers

Compare Leading Bank Loan Offers

Check interest rate, processing fee, loan amount and choose the most suitable offer with expert support.

#1

State Bank of India

SBI Home Loan Balance Transfer

Public Sector Bank

Interest Rate 7.10% – 9.25%

Processing Fee As per policy

Loan Amount Outstanding loan + top-up

Tenure Up to 30 Years

Apply Now Bank Website

Transfer your home loan to SBI and reduce EMI.

Lower EMI
Top-up option
Long tenure
No hidden charges

#2

HDFC Bank

HDFC Balance Transfer

Private Bank

Interest Rate 8.35% – 10.00%

Processing Fee Up to 0.50%

Loan Amount Outstanding loan + top-up

Tenure Up to 30 Years

Apply Now Bank Website

Balance transfer with attractive rate and quick process.

EMI saving
Top-up loan
Fast approval
Digital process

#3

ICICI Bank

ICICI Balance Transfer

Private Bank

Interest Rate 8.40% – 10.25%

Processing Fee Up to 0.50%

Loan Amount Outstanding loan + top-up

Tenure Up to 30 Years

Apply Now Bank Website

Shift your existing home loan for better rate and repayment terms.

Lower interest
Top-up option
Flexible EMI
Quick approval

#4

Bank of Baroda

Bank of Baroda Balance Transfer

Public Sector Bank

Interest Rate 8.40% – 10.35%

Processing Fee As per policy

Loan Amount Outstanding loan + top-up

Tenure Up to 30 Years

Apply Now Bank Website

Move your home loan to Bank of Baroda for better terms.

Affordable EMI
Public sector bank
Top-up support
Simple transfer

#5

Union Bank of India

Union Bank Balance Transfer

Public Sector Bank

Interest Rate 8.40% – 10.40%

Processing Fee As per policy

Loan Amount Outstanding loan + top-up

Tenure Up to 30 Years

Apply Now Bank Website

Transfer existing home loan with better repayment plan.

Better rate
Flexible tenure
Top-up support
Low charges

#6

Axis Bank

Axis Bank Balance Transfer

Private Bank

Interest Rate 8.45% – 10.50%

Processing Fee Up to 1%

Loan Amount Outstanding loan + top-up

Tenure Up to 30 Years

Apply Now Bank Website

Transfer your loan with convenient process and top-up support.

Fast process
Top-up available
Better EMI
Flexible tenure

#7

Punjab National Bank

PNB Balance Transfer

Public Sector Bank

Interest Rate 8.45% – 10.45%

Processing Fee As per policy

Loan Amount Outstanding loan + top-up

Tenure Up to 30 Years

Apply Now Bank Website

Balance transfer option with long tenure and low EMI support.

Long tenure
EMI saving
Top-up option
Trusted bank

#8

Bank of India

Bank of India Balance Transfer

Public Sector Bank

Interest Rate 8.50% – 10.55%

Processing Fee As per policy

Loan Amount Outstanding loan + top-up

Tenure Up to 30 Years

Apply Now Bank Website

Refinance your home loan with simple transfer support.

Simple process
Low EMI
Top-up option
Trusted bank

#9

LIC Housing Finance

LIC Housing Balance Transfer

Housing Finance Company

Interest Rate 8.50% – 10.75%

Processing Fee As per policy

Loan Amount Outstanding loan + top-up

Tenure Up to 30 Years

Apply Now Bank Website

Balance transfer with housing finance company support.

Trusted HFC
Flexible EMI
Top-up option
Long tenure

#10

Bajaj Housing Finance

Bajaj Housing Balance Transfer

NBFC

Interest Rate 8.60% – 11.00%

Processing Fee Up to 1%

Loan Amount Outstanding loan + top-up

Tenure Up to 30 Years

Apply Now Bank Website

Balance transfer with flexible policy and high top-up option.

High top-up
Flexible policy
Quick approval
High ticket size

Benefits

Best Home Loan Balance Transfer Offers

Save money by transferring your existing home loan to a bank offering better rates, lower EMI and suitable top-up loan options.

Benefits will be updated soon.

Why MyWealthCare

Why Choose MyFinanceCare for Balance Transfer?

We analyze your existing loan, compare new bank offers, calculate savings and help you complete the balance transfer process smoothly.

Bank Comparison

Compare multiple lenders before applying.

Eligibility Guidance

Understand profile fitment before submission.

Document Support

Get a smoother file login experience.

Transparent Process

Clear communication from enquiry to closure.

Loan Schemes

Top Bank Schemes & Offers

Explore common bank-wise features before applying for a suitable loan option.

Low interest rate options.
Daily reducing balance benefit for home loans.
No hidden charges.
Prepayment benefits as per bank policy.
Concession options for eligible women borrowers.

Fast processing support.
Flexible repayment options.
Digital journey and customer support.
Suitable options for salaried and self-employed profiles.

Quick pre-approval options.
Flexible tenure options.
Minimal documentation support for eligible customers.
Digital loan tracking and assistance.

Competitive rate options.
Transparent terms and charges.
Longer tenure for eligible products.
Suitable for stable income and property-backed profiles.

Expert Guide

Home Loan Balance Transfer Guide & Key Highlights

Understand lender benefits, eligibility factors and documents before applying.

Interest Rate

Rates depend on loan type, profile and lender policy.
Credit score and income stability can affect pricing.
Existing obligations may impact eligibility.

Eligibility

Age, income, employer/business profile and banking history matter.
Salaried and self-employed customers can apply.
Final approval depends on bank policy.

Documents Required

PAN card and Aadhaar card.
Income proof, salary slips or ITRs.
Bank statements and property papers where applicable.

Processing Support

Eligibility check before application.
Document review and lender comparison.
Regular status coordination during processing.

Key Features

This loan product helps customers meet important financial goals with structured repayment, bank comparison support and professional assistance. Final interest rate, loan amount, tenure and charges depend on the lender policy and customer profile.

Eligibility Overview

Applicants are generally evaluated based on age, income stability, credit score, existing loans, employer or business profile, banking conduct and product-specific requirements.

Documents Required

Common documents include PAN card, Aadhaar card, income proof, bank statements, employment or business proof and any additional documents requested by the lender.

FAQs

Frequently Asked Questions

Clear answers to common questions before you start your loan application.

FAQs will be updated soon.

Apply With Confidence

Need help choosing the right bank offer?

Speak with MyWealthCare and get guided support for eligibility, documentation and lender comparison.

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