Home Loan Kaise aur Kab Transfer Kare

Agar aap badhti EMI se pareshan hai, apne sar se home loan ka boj kum karna chahte hai ya phir apko cash ki jarurat hai aur apka bank apko loan topup karvane se inkar kar raha hai to samaj lijiye ki apko loan dusri bank me shift karvane ka time aa gaya hai.

Interest rate dusri bank se kum hone ki vajah se bhi log ek bank se dusri bank me loan transfer karte hai. par kya ye loan transfer karne ka sahi time hai? kahi aap isse loss me to nahi ja rahe? iske bare me vistar se hum apko iss article me batayenge.

Home Loan

Home Loan Kaise aur Kab Transfer Kare

Aap jab 15 ya 20 saal ke liye loan lete hai, tab loan transfer karne ki bohat opportunity milti hai aur dusri bank me kum interset hone ki wajah se aap loan transfer karvate hai.

RBI interest rate kum kare lekin phir bhi aapke bank me interest rate same hi rahe to aise me loan transfer karna jaruri ban jata hai aur agar apka bank top up loan nahi de raha to aap loan ko dusri bank me transfer kare issi me samajdari hai.

Home loan ko transfer karte time ye bato ka dhyan rakhe.

  • Jab aap home loan transfer kare to aap pehle kitni EMI de rahe the aur naye bank me kitni EMI deni hogi uski calculation kare, har bar balance ka transfer faydemand nahi hota, aap ko dekhna hoga ki kitna loan bacha hai aur kitne time ke liye bacha hai ye dekhkar aapko decide karna hai
  • Aapki loan puri hone ke time pe loan transfer na kare isse aapko koi fayda nahi hoga aur jyada paise dene padenge.
  • Loan transfer karne se pehle dusre bank me transfer par kitni processing fees lagegi, stamp duty, legal charges, valuation fees, technical charge sabhi ko calculate karne ke baad loan transfer kare.
  • Bank 0.5% processing fees leti hai aur to aur apko iss par government tax bhi bharna padega.
  • Loan transfer karne ke liye apko id proof, address proof, 3 month ki salary slip, 6 month ka bank statement, last two year ka form-16 aur IT return dena padega. iske alava purane bank se loan ke balance ka certificate aur apne jo property ke document submit kiye hai wo sab naye bank me submit karna padega. sab document verify hone par apko 15 din me loan transfer mil jayega.

Home loan transfer ek achhi facility hai par sari calculation karke loan transfer karna faydemand hai. Iss topic se related koi aur query comment box me puchh sakte hai.

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