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Home Loan Balance Transfer Process

Steps to Apply for Home Loan Balance Transfer

If you’ve been bogged down by the high interest rate at which you took your loan, lack of flexibility, and other unfriendly features of your current Home Loan, you need to take some drastic steps. Refinancing your loan, changing your lifestyle to increasing your savings, or finding a job that pays more, you have many options at your disposal.

Home Loan balance transfer process is one such alternative that lets you transfer your Home Loan to a bank or NBFC that offers better benefits.

Apart from profiting from their lower rate of interest, you also get to increase your savings. Some institutions also offer you better flexibility in EMI, allow Part Pre-payment facility at no charges and foreclosure procedures.

How You Can Go about Transferring Your Home Loan

Getting a NOC from your bank

You’ll have to submit a letter to your current lender requesting for a loan transfer. Most often, the bank might slash the interest rates to retain you as their customer while asking you to pay a one time switch fee to re-book your loan at a lower interest rate. Depending on your requirement, you can either take this offer, or insist on the transfer if you have been following up for a lower rate & your bank hasn’t been responding to your requests.

The bank will give you a consent letter or a NOC that’ll state the remaining balance of your loan. You need to submit this letter to the new lender who would then sanction your loan balance to the previous bank and get an account closure letter.

Your documents would be handed over to the new lender and all your post-dated cheques/ECS would be cancelled.

Credit Approval

The procedure of Home Loan transfer is similar to applying for a new Home Loan. In case you want a Top Up loan, you should state the same when applying for a Balance Transfer to your new lender. The lender then calculates the amount of Top Loan that it can offer to you and also the rate of interest they’ll levy.

Maintaining a good credit score is vital to getting approved for a Home Loan Balance Transfer. With a higher credit score you have better chances of getting a faster approval from your new lender.

To ensure that you have an above average credit score pay your bills on time, don’t default on your EMIs, and limit your credit card usage. During the credit approval process the lender would re-evaluate your existing loan, check your credit history and employment status, and make background checks on property credentials.

This process generally takes about 3-4 weeks and may vary from bank to bank. After your credit gets approved, you’d be given a final quote on your interest rate, tenure, and other related features.

Things to Consider before You Go for a Home Loan Balance Transfer

  • If your existing Home Loan is on fixed interest rate, then you’d have to pay a prepayment penalty of 2-5% of the principal amount before you transfer your loan.
  • If you have a high floating interest rate, then switching to a loan with a lower interest rate would benefit you.
  • Factor in additional processing fees and costs that you’d incur during the application process. This should be ideally reduced from the total savings that you would get by opting for a lower rate to arrive at your Net Savings

Some banks won’t release your documents unless they get a cheque of balance transfer from your new bank. While in some cases, the new lender won’t sanction the loan till all the documents are submitted. In such a situation you can hold a meeting between the two representatives of the banks involved. This would allow both the banks to release the documents and hand-over the cheque, and complete the transfer without any delays.

Research extensively on the internet before you zero in on any proposal. Lenders like Bajaj Finserv offer great features on their Home Loan Balance Transfer like Online Application Process, Instant Online Approval, Minimum Documentation, Additional Top loan at attractive rates, No Hidden charges, Customised Insurance Schemes, and Online Account Access. They also offer facilities like NIL Part Pre-Payment charges, NIL Foreclosure charges, and 3 EMI Holiday.

Doing a comparative study of the different interest rates and features across different lenders would further help you with this.

<<Click here to Calculate Savings on Balance Transfer>>

<<Click here to Apply for Home Loan Balance Transfer >>

Home Loan Balance Transfer

Know About Home Loan and Home Loan Balance Transfer

So, the deal’s finally done between you and the lender. The loan amount will soon be sanctioned and you’ll go about buying the property you’ve eyed for a long time now. Once that’s done and dusted, you’ll have to start repaying the debt.

However, during the process of returning the money you owe, there can be certain stipulations in the agreement that might not sit well with you. It can be the interest rate, the services offered, or non-compliance to your requests.

This is a situation where you can opt for a Home Loan Balance Transfer. Simply put, it’s a process where you transfer the loan balance to another lender with better terms and conditions.

A Home Loan Balance Transfer with a Top-up Loan is another possibility in case of such a switch between lenders. It allows you to avail of an additional loan amount over and above the amount of the Home Loan that you are transferring to the new lender. A Top-up Loan is generally made available at a slightly higher rate than the rate being offered for a Balance Transfer, but is substantially lower than a Personal Loan rate.

Differences between Home Loan and Home Loan Balance Transfer

A Home Loan is subjected to a transfer when there are certain terms and conditions set by the lender that you can’t digest. The primary factor behind the switch is the rate of interest. It’s obvious that borrowers start applying for a transfer because they find lenders who offer a lower rate of interest. Bajaj Finserv, for instance, offers attractive interest rates that will make your repayment process a breeze. They also offer features like – Online Application Process, Instant Online Approval, Minimum Documentation, Additional Top up loan at attractive rates, No Hidden charges, Customised Insurance Schemes, and Online Account Access. They also offer facilities like NIL Part Pre-Payment charges, NIL Foreclosure charges, and 3 EMI Holiday.

Another difference is the availability of a refinancing option. The Home Loan Balance Transfer and Top up plan allows you to transfer the unpaid amount to the new lender with the possibility of gaining additional funds. These funds would be the difference between the initial requested amount and the offered sum. A Home Loan does not work on this principle. There isn’t any refinancing option and you generally only get about 85% of your requested amount.

The Benefits of Balance Transfer

The key benefit of a balance transfer would obviously be the low rate of interest. This can help you in the long run as you’ll have to pay lesser to your lender, helping you to save more. Some lenders also offer fixed or floating rate of interest. However, your choice should depend on your monthly income, expenses, and knowledge about the rise and fall of economy.

The other advantage is that by using the refinancing option you can get 100% of the original Home Loan amount at lower interest rate. Refinancing a Home Loan can sometimes be helpful in easing financial burden as you get access to more funds and pay lower interest charges.

Eligibility Criteria for Home Loan Transfer

Although eligibility for Home Loan Balance Transfer differs from lender to lender, the following criteria remain constant across most lenders. Your application only gets approved, if you meet each and every stipulation.

  • You must be a self-employed or a salaried professional drawing a monthly salary
  • You must be fall in the age bracket of 21-60 years
  • Possession of a good CIBIL score—this score contains your credit history with details of your financial stability
  • Stellar financial details that mention your capacity to repay the loan and the stability of your income
  • Employment details to prove that you work at a stable organization with chances to earn more in the future

Documents for Home Loan Balance Transfer

Here are the documents for Home Loan Balance Transfer process required by financial institutions:

  • Copy of property documents
  • Details of the outstanding loan amount
  • Foreclosure letter

For Salaried Candidates

  • Employment certificate
  • Pay slip copies
  • Tax Deducted at Source (TDS) certificate
  • Bank statements and latest Form 16 issued by the employer

For Self-Employed Individuals

  • Copy of audited financial statements for the past couple of years
  • Copy of the partnership deed if the venture is co-owned
  • Copy of Memorandum of Association (MOA) and Articles of Association (AOA)
  • Profit and loss account details for the last few years
  • Income tax assessment details

Home Loan Transfer Procedure

A Home Loan Balance Transfer process involves a series of steps that must be carefully followed at all costs if you’d want the switch to be successful.

Here’s how you go about filing for one with your lender(s):

  • First, you must place a request for a transfer by submitting a letter to your current lender
  • If they agree, a letter of consent, no objection certificate (NOC), foreclosure letter, and a loan statement reflecting your repayment track record will be presented to you
  • Then approach the new lender by filling up the application form with your photograph and submitting the documents mentioned above
  • Identification, address, date of birth, and signature proofs must also be submitted
  • You’d then have to provide proof of your property’s ownership
  • NOC from builder or contractor
  • Proof of income with salary slips, bank statements, Form 16, and IT returns
  • Business continuity proofs like appointment letter
  • Once you pass the eligibility and verification of documents, the lender will submit a cheque of the balance loan amount to the old lender
  • Once your old lender receives it, the transfer of outstanding debt takes place with the cancellation of post-dated cheques

Always on the Lookout

The miscellaneous charges associated with the transfer is one area you must always focus on before making the switch. Although some lenders have completely waived off these charges, there are still a few who impose a fee for prepayment. If the penalty is quite high, it’d be best to stick to your old lender. NBFCs like Bajaj Finserv offer benefits like Nil Part Pre-payment charges, Nil Foreclosure charges and Zero Hidden costs on their Home Loan Balance Transfer.

Besides this charge, some lenders also demand a processing fee that is 0.5-1% of the loan amount. This is the reason why you must always utilize a Home Loan Balance Transfer Calculator to take stock of the situation, compare policies, and plan well.

<<Click here to Apply for Home Loan Balance Transfer >>

Why You Should Transfer Your Home Loan

4 Things to Consider Before You Transfer Your Home Loan

A Home Loan transfer, also called a balance transfer, is an option you can use when you wish to avail of a lower rate of interest on your Home Loan. Here, you can transfer your Home Loan from your current lender to someone with a more reasonable interest rate and better features.

An additional loan amount over and above your current outstanding Home Loan is known as a Top Up loan. You can opt for it when you go for a Home Loan Balance Transfer and get the benefit of lower interest rates on additional funds.

Why You Should Transfer Your Home Loan?

You can transfer your loan from your current financial provider if you think that the loan is proving to be too expensive. This will allow you to save on exorbitant interest payments and even lower your EMIs. While this might seem like an interesting offer, there are other points to consider.

A Home Loan Balance Transfer basically involves approaching another lender and negotiating a lower rate of interest with them to refinance your Home Loan. When this happens, you end up prepaying the loan with your current financier and taking a new loan with another bank.

You will benefit from lower interest rates or even lower EMIs, but these factors alone shouldn’t be your Home Loan transfer reasons.

As a borrower, you must be aware of every term and condition before you take on this financial responsibility.

Here are four points to consider before you transfer your Home Loan balance.

Do a Thorough Cost Benefit Analysis

Remember to analyse your current financial situation before you transfer your loan. Here are some guidelines to help you.

  • If you’re paying a fixed rate of interest to your current borrower, it’s not advisable to move as you will have to pay a heavy prepayment penalty and other Home Loan Balance Transfer charges.
  • If your loan has a lengthy tenure, transferring it to a lender who offers a shorter tenure might help you save money.
  • Be on the lookout for hidden costs in the process. For instance, taking a new loan needs a stamp duty to be prepared, a charge that is not included in the processing fee.

Collateral for Outstanding Balance

If you’ve already paid off a huge chunk of your loan, don’t offer the original collateral to the new bank. There’s no point in giving the bank a security that is worth more than the outstanding balance of your loan. You can offer lesser collateral to the new lender and if they insist on the complete assurance, make sure that they lower the rate of interest further.

Analyse the Charges and Benefits of Allied Accounts

Most banks require you to open a savings account when you avail of a loan with them to route the funds to that account. In this case, it is wise to find out the charges applicable and the facilities they will provide to you. For instance, Bajaj Finserv, offers Online Application Process, Instant Online Approval, Minimum Documentation, Additional Top up Loan at attractive rates, No Hidden Charges, Customised Insurance Schemes, and Online Account Access. They also offer facilities like NIL Part Pre-Payment charges, NIL Foreclosure charges, and 3 EMI Holiday.

Understand the Terms and Conditions

Before signing that all important contract, remember to read all of the terms and conditions attached to the loan of both banks. Some banks might include buying some sort of insurance from specific company or opening a number of saving accounts.

Don’t be deceived by a lower interest rate or any other marginal benefit. Take all the factors into consideration and weigh the pros and cons before you make the decision to opt for a balance transfer.

<< Click here to Calculate Savings on Balance Transfer >>

<< Click here to Apply for Home Loan Balance Transfer >>

Doctor Loan

Doctor Loans: Financial assistance for life savers

A Doctor Loan is financial aid for professional doctors who run their own clinics, work in hospitals or are government officials. You could be one of them, dreaming about opening a private clinic or the owner of a hospital looking to provide better medical services to the public. But, as you know, running a medical establishment is not an easy job. It requires meticulous planning and mammoth investments.

Of course, utilizing the income you’ve amassed over the years can be an option, but not a feasible one as you wouldn’t have funds to address personal emergencies in the future.

To tackle this issue, Bajaj Finserv offers lucrative Doctor Loans. On top of the numerous features and benefits they provide, Bajaj Finserv is also organizing a flash sale on Doctor Loans. Let’s take a look at what the Doctor Loan entails and more importantly, the fantastic sale you could avail the benefits

The amount, tenure, and repayment flexibility

Perhaps the biggest advantage of taking a Doctor Loan from Bajaj Finserv is that you’ll be entitled to an amount of up to Rs.30 lakh. You can submit your application online without having to contact the lender or submitting a collateral. Isn’t that convenient?

Then comes the tenure. You’ll be glad to know that the time for repayment is between 12 to 60 months. But the repayment period can be cut short thanks to the flexible repayment method. Under this scheme, you’ll be able to save more money in the long run by cutting down on interest charges by prepaying the principal amount.

No hidden charges and the benefit of surveillance

Here’s another benefit— You’ll be able to pay off a major chunk of the debt or clear it altogether without having your budget sabotaged. And all this will be possible under your watchful eyes as you’ll be able to access your loan details online and get alerts on repayment schedule and pre-approved offers through SMS/calls.

The offer that’ll leave your heart palpitating

As mentioned before, the flash sale conducted by Bajaj Finserv for Doctor Loans brings amazing offers. Here’s the deal:

  • You walk away with an Amazon gift voucher worth Rs.5000 when you sign up for a Doctor Loan that amounts to a maximum of Rs.10 lakh.
  • However, if your loan exceeds the Rs.10 lakh limit, the same Amazon gift voucher doubles to a worth Rs.10,000

However, keep in mind that this offer is only valid on the 19th, 20th, and 21st of April.

Deepak Reddy

Challenging yourself and people you employ needs to be a constant process.

Curiosity is the biggest driver to growth for self-motivated people. They are never happy with the status quo and often look for new challenges.

Author Hal Gregersen urges business leaders to ask questions in an interesting article published in Harvard Business Review. He argues that sometimes asking uncomfortable questions means making tough decisions about an existing strategy.

Human resource is the department which understands the importance of asking questions the most. The question that the HR department needs to ask is, if they are ‘just people managers’. They can help bring about a culture change and hence help in building a better organizational culture. Managers are constantly under pressure to figure out ways to enhance efficiency and productivity of the organization by raising questions and improving the existing processes. As a manager, you need to challenge yourself and everyone within the organization.

A high-level of employee engagement is rewarding for businesses. A people-centric approach is claimed by many organizations. However, focusing on moving forward constantly usually makes companies stand out. These companies then, in a way, become ‘future’ ready to manage any potential risks they may face in terms of talent.

Click here to read the entire article.

 

This CEO of a million dollar IT company was once a farm labour earning rs.5 a day

Noted American trial lawyer Louis Nizer once said, “I know of no higher fortitude than stubbornness in the face of overwhelming odds.”

And obstinate Jyothi Reddy indeed was.

Despite being born in a destitute family, Jyothi Reddy had an unwavering belief in her dreams. She wanted to get rich and have enough food and clothes. Jyothi was made to realise the importance of money quite early in life, when she and her sister had to leave their home and pretend to be motherless to get admitted to an orphanage as their father was not able to provide for the family. During the five years she spent in the orphanage, she missed her mother the most but meeting her was not an option. Such hardships fuelled the fire of her ambition. She started learning several vocational arts at the orphanage and focused on her education.

However, the circumstances took a turn for the worse when she was married off to farm labourer ten years older to her, at the age of sixteen. Her husband was uneducated and would earn a measley five rupees a day. She too had to join him in the fields in order to provide for their new-born daughter who was born within a year of marriage. Another daughter followed the next year making Jyothi a mother of two at eighteen. The collective income of this couple was barely enough to feed four mouths.

Jyothi started exploring other avenues.

She got to know about an opportunity that could get her out of the fields, pay better and reconnect her to the world of education. A school built by the government to provide villagers basic education needed volunteers for Rs. 150 a month. Jyothi grabbed the opportunity.

This was the work she put her heart into and was promoted soon after. Jyothi could afford milk and fruits for her children now. To earn a little more money, she started stitching petticoats at nights. She also learned typewriting to acquire more skills.

Determined to change her condition, she completed her graduation and post-graduation from an open university. This qualified her to be a special teacher in a government school for Rs. 398 a month. To utilize the two hours she had to spend commuting each day to reach her school, she would sell sarees to co-passengers. Deprivation taught her to value time.

A chance meeting with a relative settled in the US opened a new world to her. She started learning computers and saving money for visa and passport to go to the land of opportunity.

Leaving her daughters in a missionary hostel, Jyothi flew to America. She worked at gas stations, video shops, as a porter and babysitter to get by.

She managed to save 40,000 dollars and started a software company KEYSS in Phoenix. The current worth of her company is claimed to be more than 15 million dollars.

She also got her teenage daughters to US and sent them to American schools to finish their education.

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Her fight is far from over. But knowing her past achievements, no challenge looks too big for Jyothi Reddy.

(Content Produced By Contagio Media. Photo via JyothiReddy.com)

Ritesh Agarwal

The 21 year old who is shaking the foundations of India’s hospitality industry

Ritesh Agarwal’s hotel room aggregation model is an original—and a winner. Here’s the story of Oyo.

Ritesh Agarwal was born in November 1993 in Cuttack, Odisha. He finished his schooling in his home state and then moved to Delhi to get a bachelor’s degree. What he did instead was drop out and not tell his parents about it, not knowing how they would react. Still 18 at the time, Agarwal decided to fulfil his childhood dream of becoming an entrepreneur. And thus started his gutsy journey to setting up Oyo, the company that is growing so rapidly, it has shaken India’s hospitality industry to the core. As things stand, Oyo is hurtling towards a billion-dollar evaluation, which will make it a rare Indian first start-up unicorn – a term reserved for companies with ten-figure valuations.

But before Oyo, there was Oravel.

Shortly after he dropped out, Agarwal, who comes from a Marwari business family, decided to make a dent in the hotel industry. He was selling SIM cards in his home town. Now, he had set himself a bigger target, and it came out of his own dissatisfying experiences with budget hotels. There was no set standard of service at these establishments, he felt. Unclean toilets, spotted sheets, stale food, no WiFi, no air-conditioning, just to list a few problems that plague them.

Straight out of college, Agarwal started Oravel, a website that worked on the AirBNB model and aggregated BNB facilities, private rooms and serviced apartments across India.  It received a seed investment of Rs. 3,000,000 from VentureNursery. Later in 2012, Agarwal was selected for the 20 Under 20 Thiel Fellowship, from Peter Thiel, the founder of Paypal.

With a $100,000 grant from the Fellowship and the mentoring he received there, Agarwal now received the boost to turn Oravel into Oyo. In 2014, Oravel shut operations and Oyo began its dizzy ascent. In 2015, it had $125 million in investments from SoftBank, Greenoaks Capital, Sequoia Capital and Lightspeed India.

Agarwal’s plan? To provide branded, standardised and affordable services across India’s fragmented hotel market. It is an original idea. There’s no other business model like it in the world. Agarwal started aggregating hotel rooms under the Oyo Rooms brand. The rooms would provide clear signage, clean white sheets, complimentary breakfast, WiFi, clean washrooms, the option to pay by card, among a host of other services – all at affordable rates starting at Rs. 999.

By August 2015, Oyo had enlisted 15,000 rooms in 86 cities with plans to add 50,000 more rooms across 100 cities by the end of the year, as per a report in the Financial Express.

Just to put those numbers into perspective, Oyo is now the leading hotel room provider in India, leaping over the Taj Hotel group which boasts of an inventory of around 9,000 rooms. With India conquered, don’t think that Agarwal is resting on his laurels.

“Oyo Rooms aims to become the largest hotel network in the world,” it says in a presentation made to investors. Don’t be surprised if this boy from a tiny town from south Odisha pulls it off.

(Produced by Contagio Media. Photo via Oyo.)

This IIT engineer converts trash into toys to make science learning fun

Having succeeded at his dream of making thrifty toys, Arvind Gupta is now going online with his educational videos and books.

Ursula K. Le Guin, the famous author, once remarked thus: “The creative adult is the child who has survived.”

And so it is for this engineer from IIT Kanpur. Arvind Gupta was working at TELCO when he realised that making tractors was not something he wanted to do forever. He was passionate about science and wanted to share his interest with others. He was keen to show the world how fun the subject can be.

Arvind took study leave for one year and started teaching rural children as part of the Science Teaching Programme in Hoshangabad, Madhya Pradesh, in 1978.

He did not want to rely on conventional textbook teaching methods for science. He was of the opinion that kids learn faster by doing. Students are more likely to take interest in something they can touch, feel and see. For example, the geometric concepts of the triangle as taught by textbooks can be boring, while the same explained with the aid of a triangular toy will be entertaining and effortless learning.

Arvind wanted to change the classroom environment so that the students can feel free and involved. He wanted them to enjoy the learning process. He was of opinion that instead of lecturing, a teacher should focus on interacting with students. He should encourage children to come up with questions. Kids should be allowed to break apart things so that they can learn to put them back together. He wanted his students to love science as much as he did, so he decided to simplify the learning and turned complex theories into toys.

Arvind used throwaway stuff for making his contraptions. He chose junk because it was inexpensive and easily, locally available to everyone.

He converted plastic bottles, matchsticks, matchboxes, balloon, battery, safety pins, tyre tubes, toothpaste tubes, cardboard boxes, newspaper, straw etc. into innovative toys like motor boats, rockets, water fountains, geometric shapes, flutes, fan cars, vacuum suctions, up-down doll etc. The list runs in to the hundreds.

Arvind presents a toy in the classroom, let children play with it and then explain how it worked. This is a clever way to make kids familiar with otherwise boring and difficult looking scientific theories. He avoids technical jargon and explains everything in simple language. He also teaches kids how to recreate the toys. Resultantly, the students feel more excited and involved and the classrooms become more interactive.

Arvind has also created copyright free video tutorials for his innovations and uploaded them on his website to share his knowledge with more students in different locations. These tutorials are available in several languages.

He also has a popular YouTube channel which is accessed by viewers from 234 countries in 8 languages.

Arvind’s first book ‘Matchstick Models and Other Science Experiments’ was quite popular and sold more than five lakh copies. It was reprinted in 12 Indian languages.

Arvind has also been awarded numerous times. He has been covered extensively by media and was invited to talk on several reputed platforms like INK.

Arvind is now planning to go a step further and create science and math activities to cover the whole curriculum. His model will include simple toys and short videos explaining difficult concepts. Through his website, he wants to connect with the students from the poorest countries in Asia, Africa and Latin America to provide them readily available, comprehensive, low cost study material. He also envisions to be a valuable resource library for teachers and parents worldwide.

(Content Produced By Contagio Media. Photo by Nandagopalrl/Wikimedia Commons under CC BY SA 3.0)