🔄 Home Loan Balance Transfer Calculator

Kam interest rate par loan shift karne ka soch rahe hain? Balance Transfer Calculator me current loan aur naye offer ki details daaliye — monthly saving, total interest bachat aur break-even, sab ek jagah.

📅 Last updated: October 2026

Transfer ka fayda nikaaliye

Current loan aur naye offer ki details enter karein.

Current Loan

Outstanding amount

₹5 lakh₹5 crore

Current interest rate

7%15%

Remaining tenure

1 year30 years

New Loan Offer

New interest rate

7%15%

Processing fee

0%2%

Aapki monthly saving

₹1,765

per month

Current EMI₹40,571

New EMI₹38,806

Total interest saving ₹3,17,709

Processing fee ₹20,000

Break-even period ~12 months

Estimate: saving = (current EMI − new EMI) × remaining months − fee. Break-even = fee ÷ monthly saving.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

How to Use

Outstanding loan amount daalein (bank statement ya loan account se).
Current interest rate aur bache hue saal daalein.
Naye offer ka rate aur processing fee % daalein.
Monthly saving, total interest bachat aur break-even period dekhein.

Formula

EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1)

Saving = (Current EMI − New EMI) × bache hue mahine − processing fee. Break-even (mahine) = processing fee ÷ monthly saving.

💡 Example

Example: ₹40 lakh outstanding, 15 saal bache, 9% se 8.25% par shift → EMI ₹40,571 se ₹38,806/month, monthly saving ₹1,765, total interest bachat ≈ ₹3.18 lakh. 0.5% fee (₹20,000) lagbhag 12 mahine me recover ho jaati hai.

FAQs — Home Loan Balance Transfer Calculator

Jab rate me 0.5% ya zyada ka fark ho, loan ke shuruati saalon me hon, aur bachi hui tenure lambi ho. Loan ke aakhri 3–4 saalon me transfer ka fayda kaafi kam ho jaata hai.

Processing fee 0.25–1%, legal/technical charges ₹5,000–15,000, aur kabhi-kabhi foreclosure charge. Total cost ko expected saving se compare karein — break-even 12–18 mahine ke andar hona chahiye.

Naye loan ki enquiry se temporary 5–10 points gir sakte hain. Time par EMI bharne se score wapas improve ho jaata hai — long term me koi nuksaan nahi.

Existing loan statement, repayment track record, property papers, income proof aur ID/address proof. Naya bank khud property verification karta hai.

Haan — kai banks transfer ke saath top-up dete hain (property value ke hisaab se). Top-up ka rate thoda zyada hota hai, isliye uska hisaab alag se karein.