HOUSOFAILoans / Home loan transfer & top-up
Move your home loan. Keep the difference.
If your rate is higher than what lenders offer new customers, switching can cut your EMI or your tenure. We check which lenders will take your loan over, and what top-up you can get with it.
- Typical amount
- ₹5 L – ₹10 Cr
- Tenure
- Up to your remaining term
- Best for
- Loans 1+ year old
Check home loan transfer & top-up options
Takes 30 seconds. Free, with no obligation.
Who it suits
- You have paid at least 12 EMIs on time
- Your current rate is noticeably above today's offers
- You want a top-up for renovation, education or business
What lenders usually look for
- Clean repayment on the current loan
- Stable income (salaried or self-employed)
- Clear property papers held by your current lender
Requirements vary by lender, profile and city. Your expert confirms them on the call.
Work out your EMI
Move the sliders to see the monthly EMI and the total interest over the loan.
Rates are indicative. The lender sets your actual rate after checking your profile.
Documents to keep ready
A typical list for this loan. Share documents only through the secure link your expert sends you.
Questions about home loan transfer & top-up
Will switching cost me anything?
The new lender may charge processing and legal fees. We show you the net saving after these costs before you decide.
Does a transfer hurt my credit score?
A new enquiry is recorded, but a clean transfer and continued on-time EMIs usually keep your score healthy.
Can I get extra money while transferring?
Most lenders offer a top-up with the transfer, based on your property value and income.