The Balance Transfer of Existing Loans is a financial facility that allows borrowers to transfer their outstanding loan balance from one bank or financial institution to another offering better terms. This option helps customers take advantage of lower interest rates, reduced EMIs, longer repayment tenures, or improved service benefits, thereby easing their financial burden.
It is commonly used for loans such as home loans, personal loans, car loans, and business loans. By shifting to a new lender, borrowers can save a significant amount on interest payments and manage their repayments more effectively.
| Eligible Loan Types | Home, Personal Loan, Business Loan |
| Interest Rate Range | 8% – 18% (Varies By Loan Type) |
| Service Mode | Online |
| Maximum Loan Amount | Up To ?5 Crore+ |
| Processing Fees | 1% |
| Location | All India |
| Foreclosure Charges | As Per Existing Lender Policy |
| Income Eligibility | Based On Salary |
| Legal Verification | Mandatory Property/Document Check |
| Loan-to-Value Ratio (LTV) | Up To 80% |
| Disbursement Mode | Direct Transfer To Existing Lender |
| Refinance Facility | Top-Up Loan Available |
| Customer Type | Salaried / Self-employed |
| Prepayment Option | Allowed |
| Loan Tenure | Up To 10 Years |
| Support | Dedicated Loan Advisor For Documentation |
| Valuation Requirement | Property Valuation For Secured Loan |
| Service Provider | Cash Chahiye Financial Services |
| Origin | India |
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