Tata Capital

Balance Transfer & Top-Up Loan


Home Loan Balance transfer need not only mean saving money, you can also utilize the same for investing in different options. After all securing a home loan is not the end of journey. Balance transfer - by switching to another lender may give you a better deal. While a balance transfer will certainly reduce your EMI outgo, there is no one-size-fits-all solution for everybody. To know if it will help you, you need to decipher its workings and calculate the actual benefit before taking a call.
1] How much Home loan you had taken 2] For how many years Home loan was taken 3] What is your current rate of Interest 4] How many months you have paid Home loan emi 5] Name of the Bank Home loan taken
Home Loan Balance Transfer Calculator involves doing a simple math which in turn would save you from coughing up your hard earned money. All you need to do is insert your existing home loan rate and prepayment charges and based on that it gives you instant quote of four other bank rates as well and tells you how much you can save.

Tata Capital Housing Finance Ltd – PLR
Effective From TCHFL PLR *  
    10th Dec '13 16.75% 1st Oct '11 16.5% 20th Dec '10 14.75%
    1st Sep '13 16.65% 1st Jul '11 16.0% 15th Nov '10 14.25%
    1st Mar '13 16.4% 1st Apr '11 15.5% 1st Jan '09 13.75%
RATE OF INTREREST FIX OR FLOTING SUBJECT TO SCHME
LOAN AMT Min. Rs. 200,000 - Max. Rs. 3CRORE OR HIGHER LOAN SUBJECT TATA CAPITAL CAPING
TERM 25 YEARS OR RETIREMENT AGE 60 YEARS
TRACK RECORD NEED PRIVIOUS NEED GOOD TRACK RECORD EMI PAYING ON REGULAR BASIC
TOP –UP LOAN FACILITY TOP-UP LOAN FACILITY GIVEN YOUR PROPERTY MARKET VALUE IS HIGER PRIVIOUS BALANCE TRANSFER LOAN A MT –LOAN USED TERM 15 YERAS MAX
Repayment Mode Equated Monthly Instalments (EMI) - Monthly Rest Basis
Processing fees as per scheme applicable [ once paid will not refunded ]
SANCTION CONDITION READ SANCTION LETTER CAREFULLY
Sanction letter Valid for 90 days
Title or Legal charge In built in the processing fees [ DOCUMENT AS PER LICHFL REQUREMENT ]
Valuation In built in the processing fees [VALUATION PURPOSE REQUREMENT APPROVED PLAN COPY+ AGREEMENT COPY OR OC COPY AS PER VALUAER REQUREMENT]
DOCUMENT REQIURE IN BALANCE TRANSFER CASE REQURE 1] ORIGINAL LIST OF DOCUMENT PRIVIOUS FINANCE COMPANY 2] OUT-STANDING LETTER3] ALL CHAIN OF AGREEMENT XEROX COPY 4] APPROVED PLAN & C.C COPY OR O,C COPY 5] SHARE CERTIFICATE COPY IF ISSUE
Disbursement Valid for your property document require as per company term & condition otherwise processing fees once paid will not refunded
INSURANCE APPICABLE AS PER SANCTION AUTHORITY
Security 0.20% total loan amt [example 100000 loan equitable mortgage] 1. Equitable Mortgage of House/Flat OR Deposit of Title Deeds
Security Other franking as per loan scheme + notary
Intimation mortgage applicable
TDS 1% TDS PAY TO GOVT AGREEMENT VALUE 49,99,999/ ABOVE MUST PAY 1% TDS
List of document MAIL SEND CONCERN DEPT AFTER DISBURSE YOUR LOAN
SECURE FEES AS PER COMPANY POLICY IF APPICABLE
FORECLOSER CHARGES AS PER COMPANY POLICY IF APPICABLE
EMI BOUNCE CHARGE 1000 RS
CALCELATION CHARGE 1000 RS
PREPAYMENT CHARGE 0.25% APPICABLE SUBJECT TO APPROVAL OF TATA CAPITAL
TOP-UP LOAN USED Renovation of property Asset acquisition Business needs Consolidation of debt Refinance on self financed property
COMMITMENT charges AS PER COMPANY POLICY IF APPICABLE

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