Home Loan Balance Transfer helps you reduce your EMIs by moving your outstanding loan from other financial institutes to Bajaj Finserv for lower interest rate. You can get additional top-up loans, and enjoy features such as Flexi Hybrid Home Loan, 3 EMI holiday, pre-payment facility, and nil foreclosure charges.
Our newest offering – Flexi Hybrid Home Loan, enables you to manage your finances better with an interest-only period of up to 4 years*. With no limit on number of pre-payments or withdrawals, you can avail benefits of both – flexi-interest and flexi-term loan with Bajaj Finserv Home Loan Balance Transfer facilities.
You can use Home Loan Transfer Calculator to compute your savings, and your top-up loan eligibility.
Bajaj Finserv’s Balance Transfer is amongst the best in the industry for the following reasons:
3 EMI Holiday feature (For Salaried Individuals only)
Flexi Hybrid Home Loan
No hidden charges
Nil foreclosure charges
Online account management
Customised insurance solutions
Apply now for hassle-free online application for Bajaj Finserv Home Loan Transfer, and learn about some of its exciting features below:
Buying a home comes with many unforeseen expenses that you can’t always plan for. That’s where Bajaj Finserv Top-up Loans come in. Get the advantage of a top-up on your existing home loan with Bajaj Finserv at low home loan interest rates and a hassle-free application process. In addition, our top-up loan come without the need for you to submit collateral, as they are just an add-on to your existing home loan.
Bajaj Finserv Top up Loan is a unique benefit offered to our home loan balance transfer customers. If you have transferred your home loan balance to us, you will be eligible to apply for a top-up loan after one year.
You can prepay any amount. However, the prepayment transaction should not be less than the total amount of 3 EMIs. There is no limit on the maximum amount. This is subject to you clearing your first EMI.
Bajaj Finserv offers Home Loan Balance Transfer facility only for those properties that are ready to occupy, or already occupied. In order to avail this facility, you should have completed the payment of more than 12 loan EMIs without any dues/bounces.
In addition, your outstanding loan amount must be greater than Rs.5 lakh. Once you’re eligible for a home loan transfer, you will need to submit the following documents:
Bank statements of salary account for last 6 months
Voter's ID card, Driving license, Job card issued by NREGA/Aadhar card/PAN card (PAN card only as identity proof)
Passport/Voter's ID card/Driving license/Aadhar Card
Types of Fees
*Applicable following 1st EMI clearance
Enter your personal details, including your name, date of birth, address, and contact details
Input your income details, so we can find the best deal that suits your financial standing.
The next set of details you need to submit pertain to your employment status.
Submit the details of the existing property for which you need balance transfer loan.
Using our state-of-the-art eligibility calculator, you’ll be able to know what kind of offers we have in store for you.
Share details of your new home, including its location and size, so we can help you get the best deal
Upload copies of all your documents, including ID, address, signature proof, photographs, employment and income details on our website.
Get a top-up loan without any extra documentationCALCULATE NOW
Calculate your monthly EMI, installments and rate of interest applied on the loan amountCALCULATE NOW
Determine your Home Loan eligibility and accordingly plan the application amountCALCULATE NOW
Pay only interest during the initial flexi-interest loan tenorAPPLY NOW