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@SSV could you please loop who can help here![]()
Hi everyone,
I took homeloan of 12.5L in Tata Capital Housing Loan in dec 2022. Current rate of interest is 13.75% I want to balance transfer homeloan to bank.
Is it a good decision to balance transfer? Suggest me a best bank for low interest rates.
@SSV could you please loop who can help here![]()
Hi everyone,
I took homeloan of 12.5L in Tata Capital Housing Loan in dec 2022. Current rate of interest is 13.75% I want to balance transfer homeloan to bank.
Is it a good decision to balance transfer? Suggest me a best bank for low interest rates.
Hi everyone,
I took homeloan of 12.5L in Tata Capital Housing Loan in dec 2022. Current rate of interest is 13.75% I want to balance transfer homeloan to bank.
Is it a good decision to balance transfer? Suggest me a best bank for low interest rates.
Below require more details from you like tenure, and how easy its for your monthly EMI currently you're paying etc.
Understand the transfer charges and compare with your pending interest amount. With this amount, I suggest double check or if possible try to pre-pay instead of transfer, unless tenure is too long.
But anycase, it needs more details like how much EMI you're paying or tenure pending and financial capability etc.
Double check the charges and effort before BT.
Tenure is 20yrs and i am paying ~16k everymonth. My income is very low. I am planning to pre-closure the loan as partial payments in future once i am financially stable.
As of today CIBIL score is 785, hdfc is offering 8.75% with the existing tenure.Looking for banks which provide less than this.Good .. here are some calc. that might help you..
(it depends on CIBIL, not know how much HSCB offering you)
12.5L - 20Yrs - at 13.75% apprx. you're paying -- 24L+ as interest
and if new bank offering at 9% apprx. your interest -- 15L+ as interest
above assumption is based on whole 20Y, not sure how many years passed to you and how much left. But it helps to decide transfer cost and at how much.. Good luck!
My village comes under Gram Panchayat so banks have not provided loans. I contacted hdfc and icici as they were said HL can be provided for only Municipalities.13.75% for a home loan? Seems ridiculously high. Also rule of thumb, never take loans in Non-Banking Financial Company (NBFC)
Was anyone else not giving you a loan?
If you are in Bangalore, DM me. I have an agent who can do thisHi everyone,
I took homeloan of 12.5L in Tata Capital Housing Loan in dec 2022. Current rate of interest is 13.75% I want to balance transfer homeloan to bank.
Is it a good decision to balance transfer? Suggest me a best bank for low interest rates.
I don't think this is true. A lot of my friends had home loans with HDFC, SBI on flats that were under Gram Panchayat.My village comes under Gram Panchayat so banks have not provided loans. I contacted hdfc and icici as they were said HL can be provided for only Municipalities.
Hence I choose Tata Capital Housing Loan
Yeah. I heard it before but not happened in my caseI don't think this is true. A lot of my friends had home loans with HDFC, SBI on flats that were under Gram Panchayat.
Write to HDFC loans head or someone similar to like that. Check at HDFC website for email addressYeah. I heard it before but not happened in my case
Yeah. I heard it before but not happened in my case
Write to HDFC loans head or someone similar to like that. Check at HDFC website for email address
May i know what is the total loan amount and tenure also how much you are paying monthly?I have hdfc at 8.45 %
when i enquired about home loan 3 months back, they mentioned partial payments can be done , but the minimum amount they will accept is three times of monthly emi.As of today CIBIL score is 785, hdfc is offering 8.75% with the existing tenure.Looking for banks which provide less than this.
HSBC is not servicible in my area. Does HDFC allows partial payments whenever i need ?
Which bank it is ?when i enquired about home loan 3 months back, they mentioned partial payments can be done , but the minimum amount they will accept is three times of monthly emi.
1.5 cr.May i know what is the total loan amount and tenure also how much you are paying monthly?