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Property BT / Top-Up

Transfer your home loan and save up to ₹15 lakh

Switch your existing home loan or LAP to a lower interest rate — and get an extra top-up over and above for any need.

Interest Rate

Starting 8.35% p.a.

Loan Amount

Up to ₹50 Lakh top-up

Tenure

Up to 30 years

Key Benefits

Why choose our Property BT / Top-Up?

  • Save up to 1.5% interest with balance transfer
  • Get additional top-up funds instantly
  • Lower EMI burden
  • No prepayment penalty on floating rate
  • Top-up can be used for any purpose
  • Long tenure matching original loan
Top Features

What makes it different

  • Balance transfer + Top-Up in one process
  • Quick NOC coordination from existing lender
  • Online eligibility check in 2 minutes
  • Best rates from 30+ partner banks
  • Zero processing fee offers available
  • Dedicated transfer specialist
Eligibility

Are you eligible?

  • Existing home loan or LAP of 6+ months
  • On-time EMI history for last 12 months
  • Property must have clear title
  • Age 21-65 (salaried) / 70 (self-employed)
  • Indian resident
Documents

What you'll need

  • Existing loan statement & sanction letter
  • Latest 12 months EMI repayment track
  • Property documents (chain)
  • Income & KYC documents
  • Foreclosure letter from existing lender
EMI Calculator

Property BT / Top-Up EMI Calculator

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Get your Property BT / Top-Up approved today

Our loan expert will call you within 30 minutes with the best offer from 30+ banks.

  • No hidden charges
  • 100% paperless application
  • Dedicated relationship manager

Apply for Property BT / Top-Up

Fill the form — we'll handle the rest.

FAQ

Frequently asked questions

How much can I save with balance transfer?

Customers typically save ₹5-15 lakh over the loan tenure depending on outstanding amount and tenure.

How much top-up can I get?

You can usually get up to ₹50 lakh as top-up over and above the existing loan balance, subject to eligibility.

Does BT affect my CIBIL score?

No — a balance transfer is treated as a fresh loan and has no negative impact on your credit score.

What is the cost of balance transfer?

Foreclosure charge from old lender (usually nil for floating-rate loans) + processing fee on new lender.

Can I get a top-up without balance transfer?

Yes, if your current lender offers top-up. Otherwise BT + Top-Up is the way.