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Know about Reduced EMI, additional top-up, & transfer calculation.","topContent":[{"type":"header","data":{"text":"What is Home Laon Balance Transfer","level":2}},{"type":"paragraph","data":{"text":"A home loan balance transfer in India is the process of transferring your existing home loan from one bank or lender to another bank, usually to take advantage of better interest rates, lower EMIs, or improved loan terms. The new lender pays off your current loan, and you start repaying the new loan under the new terms."}}],"hungryForMore":[{"type":"image","data":{"float":"no-float","lazy":true,"src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg ","link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_89120&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_89120","alt":"Check Free Credit Score","title":"Check Free Credit Score","width":230,"height":50}},{"type":"paragraph","data":{"text":"Sign up for a home loan balance transfer plan for a period of up to 30 years and calculate your EMI with lowest interest rates offered at <strong>8.40% p.a.<\/strong> The processing fee applicable ranges from 0.25% to 2% of the loan amount."}},{"type":"table","data":{"rows":[{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>Interest Rate<\/strong>"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"<strong>8.40% p.a.<\/strong>"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Processing Fee"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"0.25% to 2%"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Loan Tenure"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to 30 years"},"type":"paragraph"}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Lowest EMI (per lakh)"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Rs.769"},"type":"paragraph"}]}]}]}},{"type":"paragraph","data":{"text":"<strong>Note: <\/strong>Interest rates starting from 8.40% p.a. onwards.<br>The lowest EMI is calculated by using <a href=\"\/home-loan\/emi-calculator.html\" target=\"_blank\">home loan calculator<\/a>, considering a loan amount of Rs.1 lakh for a period of 30 years with the interest rate and processing fee being 8.40% and 0.25% p.a. respectively."}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_89120&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_89120","linkText":"Check Your Credit Score For FREE"}},{"type":"header","data":{"text":"Best Home Loan Transfer Rates ","level":2}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"content":[{"data":{"text":"Banks"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"highlight":true,"content":[{"data":{"text":"Transfer Rates"},"type":"paragraph"}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/sbi-home-loan.html\" target=\"_blank\">SBI<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"8.50% p.a. onwards"}}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/hdfc-home-loan.html\" target=\"_blank\">HDFC Ltd<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"8.75% p.a. onwards"}}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/lic-home-loan.html\" target=\"_blank\">LIC Housing Finance Limited<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"9.10% p.a. onwards"}}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/axis-home-loan.html\" target=\"_blank\">Axis Bank<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"data":{"text":"Contact the bank for details"},"type":"paragraph"}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/bank-of-baroda-home-loan.html\" target=\"_blank\">Bank of Baroda<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"8.85% p.a. onwards"}}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/canara-bank-home-loan.html\" target=\"_blank\">Canara Bank<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"8.80% p.a. onwards"}}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/union-bank-home-loan.html\" target=\"_blank\">Union Bank of India<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"9.00% p.a. onwards"}}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/kotak-home-loan.html\" target=\"_blank\">Kotak Mahindra Bank<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"data":{"text":"Contact the bank for details"},"type":"paragraph"}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/home-loan\/idfc-bank-home-loan.html\" target=\"_blank\">IDFC First Bank<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"8.85% p.a. onwards"}}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/federal-bank-home-loan.html\" target=\"_blank\">Federal Bank<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"8.80% p.a. onwards"}}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/karur-vysya-bank-home-loan.html\" target=\"_blank\">Karur Vysya Bank<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"9.00% p.a. onwards"}}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/dhanalakshmi-bank-home-loan.html\" target=\"_blank\">Dhanalakshmi Bank<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"data":{"text":"Contact the bank for details"},"type":"paragraph"}],"colspan":1,"rowspan":1}]},{"cols":[{"content":[{"data":{"text":"<a href=\"https:\/\/www.bankbazaar.com\/tamilnad-mercantile-bank-home-loan.html\" target=\"_blank\">Tamilnad Mercantile Bank<\/a>"},"type":"paragraph"}],"colspan":1,"rowspan":1},{"content":[{"type":"paragraph","data":{"text":"9.45% p.a. onwards"}}],"colspan":1,"rowspan":1}]}]}},{"type":"paragraph","data":{"text":"<strong>Note: <\/strong>These are just starting rates that go above the rates mentioned depending on various factors and the final rate offered is at the sole discretion of the concerned lender."}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_89120&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_89120","linkText":"Check Your Credit Score For FREE"}},{"type":"header","data":{"text":"Home Loan Balance Transfer Calculator","level":2}},{"type":"calculator","data":{"type":"HL_ELIGIBILITY"}},{"type":"paragraph","data":{"text":"With technology inculcated into finance, one can effortlessly estimate the details and benefits he\/she would receive from transferring a <a href=\"\/home-loan.html\" target=\"_blank\">home loan<\/a> to another bank. One simply needs to enter the basic details of the existing loan like outstanding loan amount, interest rate, tenure, etc. By entering these details, the calculator would be able to estimate the savings you would incur by transferring your balance to another bank."}},{"type":"image","data":{"float":"no-float","lazy":true,"src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg ","link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_89120&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_89120","alt":"Check Free Credit Score","title":"Check Free Credit Score","width":230,"height":50}},{"type":"header","data":{"text":"How to Transfer Home Loan from One Bank to another?","level":2}},{"type":"header","data":{"text":"Online","level":3}},{"type":"paragraph","data":{"text":"The process that must be followed to transfer the home loan from one bank to another is mentioned below:"}},{"type":"image","data":{"float":"right","alt":"Home Loan Balance Transfer","title":"Home Loan Balance Transfer","src":"https:\/\/static.bankbazaar.com\/images\/india\/home-loan-balance-transfer.webp","width":400,"height":250}},{"type":"paragraph","data":{"text":"<strong>Step 1<\/strong> - Go to the concerned bank's website."}},{"type":"paragraph","data":{"text":"<strong>Step 2<\/strong> - Check all the terms and conditions along with the interest rate and processing fee."}},{"type":"paragraph","data":{"text":"<strong>Step 3<\/strong> - If you are satisfied with the scheme, apply for balance transfer."}},{"type":"paragraph","data":{"text":"<strong>Step 4<\/strong> - You will need to fill in the required fields, including your name, property type, tenure of the existing loan, and the bank's name, among others."}},{"type":"paragraph","data":{"text":"<strong>Step 5<\/strong> - Upon completion, you will be able to view your loan offer."}},{"type":"paragraph","data":{"text":"<strong>Step 6<\/strong> - Pay all the necessary fees and upload your documents."}},{"type":"paragraph","data":{"text":"<strong>Step 7<\/strong> - Complete your application and wait for the approval."}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_89120&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_89120","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Offline","level":3}},{"type":"list","data":{"style":"unordered","items":[{"content":"Obtain all the necessary documents required to transfer your home loan balance from your current lender.","items":[]},{"content":"Obtain a consenting letter from the existing bank along with the outstanding loan amount.","items":[]},{"content":"Provide these documents to the new bank that you wish to transfer the housing loan balance.","items":[]},{"content":"The new lender will then pay off the balance due to your old lender.","items":[]},{"content":"Subsequently, your old loan account will be closed, meaning all payments towards the loan will have to be paid to the new bank.","items":[]},{"content":"All property documents will then be handed over to the new bank, officially completing the process of transferring your home loan.","items":[]}]}},{"type":"header","data":{"text":"What is Home Loan Transfer Eligibility Criteria?","level":3}},{"type":"paragraph","data":{"text":"The eligibility criteria that must be met to avail the home loan transfer facility are mentioned below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Age: 23 to 65 years","items":[]},{"content":"Type of employment: Salaried or self-employed","items":[]},{"content":"Nationality: Resident Indians and NRIs","items":[]}]}},{"type":"image","data":{"float":"no-float","lazy":true,"src":"https:\/\/static.bankbazaar.com\/images\/credit-core-asvg.svg ","link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_svg_89120&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_svg_89120","alt":"Check Free Credit Score","title":"Check Free Credit Score","width":230,"height":50}},{"type":"header","data":{"text":"What are the Documents Required for Home Loan Balance Transfer?","level":3}},{"type":"paragraph","data":{"text":"The documents that must submitted are mentioned below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Identity proof","items":[]},{"content":"Address proof","items":[]},{"content":"Documents related to the existing loan","items":[]},{"content":"Last 3 month's salary slips","items":[]},{"content":"Last 6 months' bank statements","items":[]},{"content":"Last 3 years' balance sheet and profit and loss account statements (Self-Employed)","items":[]},{"content":"Passport size photograph","items":[]}]}},{"type":"header","data":{"text":"Why you need to Transfer your Home loan?","level":3}},{"type":"paragraph","data":{"text":"The main advantages to opt for home loan transfer are mentioned below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The interest rate on your home loan may reduce after refinancing your home loan.","items":[]},{"content":"Either your EMI will reduce and your tenure will remain the same, or your EMI will remain the same and the tenure will become shorter.","items":[]},{"content":"This will make the overall cost of the loan lesser.","items":[]}]}},{"type":"paragraph","data":{"text":"When refinancing a home loan, one must always take into consideration the processing charges and balance transfer fees. If the new bank's interest rate plus these additional charges still prove to be cheaper than the current loan, only then should a customer choose to refinance the loan."}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_89120&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_89120","linkText":"Check Your Credit Score For FREE"}},{"type":"header","data":{"text":"Why and When Must You Avail the Home Loan Balance Transfer?","level":3}},{"type":"paragraph","data":{"text":"<strong>Why?<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"One can avail a home loan balance transfer if he\/she is paying a higher interest rate towards a loan in a bank that offers a lower interest rate.","items":[]},{"content":"If a bank is unwilling to reduce the interest rate despite the fact that you have a cordial relationship with the organization.","items":[]},{"content":"In the occasion that other bank are offering lower rates of interest.","items":[]}]}},{"type":"paragraph","data":{"text":"<strong>When?<\/strong>"}},{"type":"paragraph","data":{"text":"A home loan balance transfer can be availed 12 - 18 months after faithfully paying off your existing housing loan."}},{"type":"header","data":{"text":"What are the Difference Between Home Loan Vs Home loan Balance Transfer?","level":2}},{"type":"paragraph","data":{"text":"<strong>Home loan<\/strong> - A home loan is a loan availed from a bank or other financial institutions in order to purchase a house, land, construct a property or simply to renovate an existing property. A lot of documentation and verification is required to avail a home loan. It also is considerably harder to get a housing loan application approved."}},{"type":"paragraph","data":{"text":"<strong>Home loan balance transfer<\/strong> - This is when you transfer an existing home loan from one bank to another. Also known as refinancing, this also helps an applicant avail lower interest rates and better services. There is lesser documentation involved in home loan balance transfer and it easier to attain when compared to a home loan."}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_HLBUTTON_89120&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_HLBUTTON_89120","linkText":"Know Your Credit Score for FREE"}}],"metaTitle":"Home Loan Balance Transfer - Charges & Current Interest Rates","hideUserReviews":true,"interLinks":{"asLeftNav":false,"items":[{"title":"Home Loans by Banks","items":[{"title":"SBI Home Loan","link":"\/sbi-home-loan.html","text":"SBI Home Loan"},{"title":"Axis Home Loan","link":"\/axis-home-loan.html","text":"Axis Home Loan"},{"title":"HDFC Home Loan","link":"\/hdfc-home-loan.html","text":"HDFC Home Loan"},{"title":"Canara Home Loan","link":"\/canara-bank-home-loan.html","text":"Canara Home Loan"},{"title":"PNB Home Loan","link":"\/punjab-national-bank-home-loan.html","text":"PNB Home 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Calculator"},{"link":"\/home-loan\/land-calculator.html","title":"Land Conversion Calculator","text":"Land Conversion Calculator"},{"link":"\/home-loan\/home-loan-affordability-calculator.html","title":"Home Affordability Calculator","text":"Home Loan Affordability Calculator"},{"link":"\/home-loan\/pmay-subsidy-calculator.html","title":"PMAY Subsidy Calculator","text":"PMAY Subsidy Calculator"}]},{"title":"Home Loan Articles","items":[{"title":"Top Housing Finance Companies In India","link":"\/home-loan\/top-housing-finance-companies-in-india.html","text":"Top Housing Finance Companies In India"},{"title":"Types Of Bank Loans In India","link":"\/home-loan\/different-types-of-bank-loans-in-india.html","text":"Types of Bank Loans In India"},{"title":"What is Home Loan Process","link":"\/home-loan-procedure.html","text":"What is Home Loan Process"},{"title":"What is Home Loan Provisional Certificate","link":"\/home-loan\/home-loan-provisional-certificate.html","text":"What is Home Loan Provisional Certificate"},{"title":"What is Benami Property","link":"\/home-loan\/benami-property-act.html","text":"What is Benami Property"},{"title":"What is Commercial Property Loan","link":"\/home-loan\/commercial-property-loan.html","text":"What is Commercial Property Loan"},{"title":"Partition Deed of Ancestral Property","link":"\/home-loan\/partition-deed-of-ancestral-property.html","text":"Partition Deed of Ancestral Property"},{"title":"Reasons For Home Loan Rejection","link":"\/reasons-for-home-loan-rejection.html","text":"Reasons For Home Loan Rejection"}]},{"title":"Home Loan Resources","expand":true,"items":[{"link":"\/home-loan-interest-rate.html","title":"Home Loan Interest Rate","text":"Home Loan Interest Rate"},{"link":"\/home-loan\/repo-rate.html","title":"Repo Rates","text":"Repo Rates"},{"link":"\/home-loan\/mclr.html","title":"MCLR Rates","text":"MCLR Rates"},{"link":"\/home-loan\/home-loan-processing-fee.html","title":"Home Loan Processing Fee","text":"Home Loan Processing Fee"},{"link":"\/home-loan\/documents-required-for-home-loan.html","title":"Home Loan Documents Required","text":"Home Loan Documents Required"},{"link":"\/home-loan\/plot-loan.html","title":"Compare Plot Loan","text":"Compare Plot Loan"},{"link":"\/tax-benefit-on-home-loan.html","title":"Home Loan Tax Benefits","text":"Home Loan Tax Benefits"},{"link":"\/home-loan\/home-renovation-loan.html","title":"Home Renovation Loan","text":"Home Renovation Loan"}]},{"title":"Schemes and Acts","expand":true,"items":[{"link":"\/home-loan\/pradhan-mantri-awas-yojana.html","title":"Pradhan Mantri Awas Yojana","text":"Pradhan Mantri Awas Yojana"},{"link":"\/home-loan\/pradhan-mantri-awas-yojana-gramin.html","title":"PMAY Gramin","text":"PMAY Gramin"},{"link":"\/home-loan\/pmay-urban.html","title":"PMAY Urban","text":"PMAY Urban"},{"link":"\/home-loan\/rera-act.html","title":"RERA Act","text":"RERA Act"},{"link":"\/home-loan\/property-registration-fees-and-stamp-duty-charges.html","title":"Stamp Duty Charges","text":"Stamp Duty Charges"},{"link":"\/home-loan\/encumbrance-certificate.html","title":"Encumbrance Certificate","text":"Encumbrance Certificate"},{"link":"\/home-loan\/dda-housing-scheme.html","title":"DDA Housing Scheme","text":"DDA Housing Scheme"},{"link":"\/home-loan\/land-record.html","title":"Land Records","text":"Land Records"}]}]},"id":89120,"ogImage":{"src":"https:\/\/static.bankbazaar.com\/images\/india\/home-loan-balance-transfer.webp","width":400,"height":250,"alt":"Home Loan Balance Transfer","title":"Home Loan Balance Transfer","lazy":true},"hideOfferTable":true,"breadCrumb":{"currentPageText":"Home Loan Balance Transfer","otherLinks":[{"link":"\/home-loan.html","text":"Home Loan"}]},"faqs":{"items":[{"answer":[{"data":{"text":"After making on-time payments on your current mortgage for 12 to 18 months, you may apply for a home loan balance transfer."},"type":"paragraph"}],"question":"What is the minimum time for home loan transfer?"},{"answer":[{"data":{"text":"Only once the lock-in term for the same loan has passed may you move your mortgage to a different bank. A house loan's lock-in period typically lasts between six months and a year. You can inquire about the lock-in time for the same with the lender you borrowed money from."},"type":"paragraph"}],"question":"How many times can I do home loan balance transfer?"},{"answer":[{"data":{"text":"When the amount of the outstanding debt is bigger, it is desirable to transfer a mortgage. A home loan's EMI consists of the main amount and the interest amount, just like any other EMI. The principle balance is gradually paid off when the loan matures, lowering the total amount still owed."},"type":"paragraph"}],"question":"Is transferring your house loan balance a wise idea?"},{"answer":[{"data":{"text":"No, provided you repay your EMI on time post the balance transfer, your CIBIL will improve."},"type":"paragraph"}],"question":"Does balance transfer affect CIBIL?"},{"answer":[{"data":{"text":"Although there is no rule prohibiting you from servicing more than one home loan at a time, you are free to have as many home loans as you need in India."},"type":"paragraph"}],"question":"Can I take 2 home loans from same bank?"},{"answer":[{"data":{"text":"Lower interest rates eventually result in lower EMIs and a lower overall cost of the loan. A cheaper interest rate provided by another lender is the main factor that leads borrowers to choose a home loan balance transfer. "},"type":"paragraph"}],"question":"Is a home loan balance transfer a good idea? "},{"answer":[{"data":{"text":"Send a letter or a form to your lender requesting a balance transfer, clearly outlining your reasons for doing so. An NOC or consent letter from your lender will be issued to you; your new lender will need it in order for you to submit an application. Make contact with your new lender and turn in all of your paperwork. "},"type":"paragraph"}],"question":"How does a house loan balance transfer work? "},{"answer":[{"data":{"text":"Yes, there are drawbacks to balance transfers. These include balance transfer fees, increased interest rates following the introductory period, and the potential for more debt if improper spending habits aren't managed. "},"type":"paragraph"}],"question":"What drawbacks may a balance transfer have?聽"},{"answer":[{"data":{"text":"The age range for eligibility for a house loan balance transfer is 23 to 65 years old. At least 12 EMIs must have been paid back to your current lender. You are not allowed to have any unpaid balances with your current lender. You must be a professional with a steady source of income, whether you work for yourself or are salaried. "},"type":"paragraph"}],"question":"Who is qualified to transfer a home loan?"},{"answer":[{"data":{"text":"To avoid needless difficulty, it is preferable to maintain your loan account with your current lender in such a situation. If you have a sizable amount of debt left over and you think your new lender may offer you a better deal, you might want to think about moving your home loan. "},"type":"paragraph"}],"question":"When ought my house loan to be transferred? 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