Balance Transfer

Home Loan & Mortgage Loan Balance Transfers are primarily used for High value loans, where rising tenures and expensive EMIs become too troublesome, due to flux in market conditions. A Home Loan Balance Transfer can go a long way in helping sustain a long tenure home loan or loan against property and also gives one the option of working with competing banks for better rates.

Maruti Fincorp gives you the most competitive rates and special offers for home loan and general-purpose loan balance transfers.A list of banks Maruti Fincorp works with are IDFC Bank,  ICICI Bank, Axis Bank, HDFC Bank, Kotak Bank, PNB, Yes Bank, Standard Chartered Bank, Deutsche Bank, Aditya Birla Finance, RBL, Indusind Bank, India Infoline, TATA Capital, Shriram Finance, LNT, Fullerton, PNB Housing Finance Limited, Edelweiss, Capital First, HDB, IDFC First, Money Matters Finance Ltd to name a few.

Home Loan Balance Transfer :

When the floating rate of the interest increases, the banks do not increase the EMIs but they increase the tenure of Home Loan. Pre-payment of your home loan does not have any penalty and switching your home loan balance to a new bank has never been easier! Balance Transfer for Home Loans and Personal Loans is a product, offering the customer a choice to transfer the outstanding balance of the home loan availed for better terms & conditions, EMIs and possibly well sized savings that could be better invested elsewhere.

Many customers look at Home Loan Balance Transfers as making their loans more efficient. When you switch the loan you also get a Top up if required on the value of the existing property as per the recent market value. In some cases, the nature of Floating Interest Rates leaves customers with longer tenures, higher EMIs and so on. Many customers find their solution in Home Loan Balance Transfers which help to move from higher rate of interest to lower rate of interest or increase in loan components as Top ups.

Fill the form at the end to check your eligibility and get the best rate for your balance transfer.

Mortgage Loan Balance Transfer :

High value Mortgage loan, loan against property, and multiple loans from different banks and credit cards can be consolidated into one high value loan using Personal Loan Balance Transfers. Due to floating interest rates being the norm for high value loans, customers may still retain their original EMIs but might end up with a much longer loan tenure. This is an undesirable situation for a loan taker, but a position that many find themselves in.

A personal loan balance transfer can help customers better manage their various loan products, possibly with a more competitive interest rate.

Top Up Your Home Loan, Mortgage loan & Personal Loan :

Customers can apply for a Top-Up on their Home Loans & Personal Loans using the Balance Transfer facility as and when they need to meet their personal requirements (other than for speculative purposes) or to possibly consolidate two loans from seperate banks to a single larger loan from a different banking provider, with a more competitive interest rate. Customers can benefit from some additional funds against the security of property. Customers opt for top up loans for many reasons, some of which are mentioned below

  • Furnish your home
  • Buy consumer durables
  • Child’s education expenses
  • Daughter's Marriage
  • Family holiday
  • Buy a new vehicle
  • Consolidate two active loans under a single provider

Documents Required for Home Loan & Mortgage Loan Balance Transfers:

Balance Transfer for Home Loans & Personal Loans, like most other financial products has fairly stringent documentation requirements. In order to help you understand the documents you need to keep handy before applying for a loan, we have compiled a list of items that can be of use to you

The following documents are required by financial institutions to process a home loan balance transfer.

  • Pan card
  • Company ID card
  • Residence proof
  • Self owned residence / Latest Electricity Bill / Landline Bill / Credit Card Bill.
  • Rented residence / Current rent agreement with latest electricity of the flat, with a permanent residence proof.
  • Latest CTC
  • Latest Salary slip for the last 3 months
  • Till Date salary account statement bank statement for last 6 months
  • Form No.16 – Latest.
  • Loan Repayment Track Records (if any)
  • Forecloser Letter & List of Original Documents kept with the bank (These letters are to be obtained from the existing bank from where the loan is active. [Original letters obtained to be submitted.])
  • Property Documents in case of Residential / Commercial premises
  • Photocopies of all documents relating to the property to be mortgaged. [Original Documents will be collected at the time of disbursement]

Eligibility For Home Loan & Personal Loan Balance Transfer (BT):

  • Balance Transfer Loans have a fair amount of eligibility criteria that can help you obtain the right deal. Below, we will list some of these requirements to help you get a Balance Transfer for your loan.
  • Resident Indian: Salaried or Self-employed
  • Vintage of at least six months
  • Good repayment track record
  • Repayment Track Record of Existing Loans

NOTE: The eligibility of the Balance Transfer will be based on the seasoning and track-record of existing loan only ñ Minimum Clear Repayment Track Record of 18 Months is required.

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