When should I consider a home loan balance transfer?

You should consider a transfer when the new bank's interest rate is at least 0.50% lower than your current rate, and you still have more than 10 years left on your loan tenure.

Home Loan Balance Transfer

Compare your current home loan with a new lender's offer to calculate net interest savings and break-even month.

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Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.