₹30 lakh ke outstanding ko 9.4% se 8.5% par transfer karne se EMI ₹31,146 se ghata kar ₹29,542/month ho jayegi. 15 saal me kul interest bachat ₹2,88,681 — ₹10,000 fee nikalne ke baad bhi net bachat ₹2,78,681. EMI me har mahine ₹1,604 ki rahat alag.
Loan Balance Transfer Calculator
Balance transfer hota kya hai?
Balance transfer (BT) me tumhara chalta hua loan ek bank se dusre bank me chala jata hai — naya bank purane bank ko poora outstanding chuka deta hai, aur tum nayi (aam taur par kam) rate par naye bank ko EMI dene lagte ho. Home loan me ye sabse aam hai, kyunki rakam badi aur tenure lambi hoti hai — rate me 0.5–1% ka fark bhi lakhon ka ho jata hai.
Upar ka example dekho: sirf 0.9% rate ka fark (9.4% → 8.5%) ₹30 lakh par 15 saal me ₹2,88,681 ki bachat hai. Yahi wajah hai ki home loan lene ke 2–3 saal baad ek baar market rate se apna rate milana har borrower ki aadat honi chahiye.
BT karne se pehle ye 5 kharch gin lo
- Processing fee: Naya bank aam taur par loan ka 0.25–1% leta hai (kai baar capped rakam). Calculator me fee wale khane me yahi daalo.
- Purane bank ke charges: Floating rate par foreclosure charge aam taur par shunya hota hai, lekin MODT/registration aur document charges lag sakte hain.
- Legal + valuation: Property ki dobara checking par kuch hazar ka kharch aa sakta hai.
- Stamp duty: Kuch rajyon me naye agreement par stamp duty lagti hai.
- Samay aur mehnat: Kagaz, application, verification — 2–4 hafte ka process samajh kar chalo.
Ek chaal: pehle apne hi bank se baat karo
BT ka kagazi jhanjhat uthane se pehle apne maujooda bank ko batao ki tumhe bahar 8.5% mil raha hai. Kai bank purane customer ko rokne ke liye rate conversion de dete hain — chhoti si conversion fee par wahi rate, bina bank badle. Agar bank maan jaye to BT ki bachat bina kharch-mehnat ke mil gayi. Na mane, tab transfer ka process shuru karo.
Ek chetavni: BT ke saath aksar "top-up loan" ka lalach diya jata hai. Top-up matlab aur zyada karza — sirf rate ghataane aaye the, rakam badha kar mat lautna, warna bachat karza badhne me doob jayegi.
FAQs
Balance transfer kab faydemand hota hai?
Jab naye rate aur purane rate me kam se kam 0.5% ka fark ho, outstanding bada ho (₹15–20 lakh+) aur tenure kaafi bachi ho (5 saal+). Kul bachat fee aur kharchon ke baad bhi spasht badi ho, tabhi process ki mehnat vasool hai — calculator me fee daalkar net bachat dekh lo.
Kya personal loan ka bhi balance transfer hota hai?
Haan, hota hai — lekin personal loan ki tenure chhoti aur rakam chhoti hoti hai, isliye bachat aksar kam nikalti hai. Wahan aksar dusra rasta behtar hai: ek saste personal loan se mehenga credit-card dues band karna (debt consolidation).
BT ke liye credit score kitna chahiye?
Naya bank tumhe naye customer ki tarah aakta hai — 750+ score par best rates aur aasan approval milta hai. Maujooda loan me koi missed EMI ho to pehle 6–12 mahine saaf record banao, phir apply karo.
BT me tenure dobara poori ho jati hai kya?
Ye tum par hai. Naya bank aksar lambi tenure pesh karta hai (EMI kam dikhti hai), lekin usse interest bachat ghul jati hai. Samajhdari: bachi hui tenure hi rakho, ya usse kam — rate bhi kam, tenure bhi wahi, tabhi asal bachat hai.
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