Home Loan Balance Transfer
Compare your current home loan with a new lender's offer to calculate net interest savings and break-even month.
Quick Summary: Home Loan Balance Transfer
A home loan balance transfer can save you lakhs in interest if you move to a lender with a lower rate early in your tenure. In FY 2026-27, ensure the new rate is at least 0.5% lower to justify the processing fees and legal charges. This calculator identifies the exact 'Breakeven Month' where your savings exceed the switching costs.
How to use the Home Loan Balance Transfer
- 1
Enter Current Loan Details
Input your outstanding balance, current interest rate, and remaining months.
- 2
Enter New Offer
Input the interest rate and processing fees offered by the new bank.
- 3
Check Interest Savings
Review the total interest saved over the remaining tenure and the reduction in EMI.
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Regulatory Disclaimer
Last verified May 2026
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.