Home Loan Balance Transfer Top-Up Calculator

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Overview Required Documents Rates & Charges

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Quick Cash

Requested Loan Amount

₹

Requested Tenure

Net Salary/Income

₹

Monthly Obligation

₹

Cost of Property

₹

Loan Principle Outstanding

₹

Existing EMI

₹

₹0*

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Disclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.

What is Balance Transfer Top-Up Calculator?

A home loan balance transfer facility allows you to transfer your outstanding home loan principal amount to a new lender. A home loan balance transfer calculator can help you evaluate the benefits of transferring your home loan balance and make an informed decision.

With Tata Capital, you can avail of the home loan balance transfer facility to switch your outstanding home loan balance to lower interest rates, starting from just 8.95% per annum*. Additionally, you can avail of a top-up loan over and above your home loan amount to ease your financial worries. You can use our home loan balance transfer calculator or home loan top up calculator to estimate your home loan balance transfer and top-up eligibility with us.

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How to Use a Home Loan Balance Transfer and Top Up Calculator?

You can use a home loan balance transfer and top up calculator to gauge your eligibility for availing of a home loan balance transfer facility and home loan top-up facility. Our home loan top up calculator also displays the maximum top-up loan you can avail of on your existing home loan and the EMIs that you will have to pay for it.

To use our home loan top up EMI calculator, you will have to input the following details in it:

Requested Loan Amount

You can use the slider or type the value in the given box to enter the home loan amount taken by you at the time of your loan application.

Requested Tenure

Home loan tenure refers to the duration for which you’ve taken your home loan. You can enter your home loan tenure in months by using the slider or typing the value.

Net Salary or Income

Enter your take-home salary or annual income after deducting the taxes and investments.

Monthly Obligations

You will have to calculate and enter your fixed monthly obligations at the time of applying for the home loan balance transfer. Your monthly obligations may include your contributions towards PF, insurance premiums, recurring deposits, mutual fund SIPs, and professional taxes, among others.

Cost of Property

The cost of the property will determine the maximum home loan amount you can avail of from Tata Capital. You will need to calculate the total purchase price of your housing property by adding its current market value and other necessary expenses.

Loan Principal Outstanding

Here, you will have to enter your outstanding home loan principal amount in the housing loan balance transfer calculator. This is the total home loan amount that you will have to repay to your existing lender, excluding the interest.

Existing EMI

Lastly, you will be required to enter your current home loan EMI. This is the fixed amount that you’re paying to your lender every month for the repayment of your home loan.

After entering these values in our home top up loan calculator, the following details will be displayed within a few seconds:

Your balance transfer amount
Your total savings
EMI of final eligibility
Final total eligibility
The top-up loan amount you’re eligible for, and
Your monthly savings

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What our customers say about us

Overall the experience was good and hope to continue the same. Also Tata Capital executive were nice and polite from the beginning.

Prasenjit Sen

Loan Against Property | 13 January, 2023

Thank you TATA Group for making India proud with all your hassle free and excellent services, Thanks Team

PRAMOD LINGSHETTY PATIL

Personal Loan | 31 December, 2022

I want to thank Tata Capital for giving Loan, During the process I was kept updated. Wanted to thank Tata Capital executive for answering my queries and keeping me updated on Status. Thank you

G BHASKAR

Personal Loan | 30 December, 2022

This is surprisingly easiest way to avail personal loan. I am completely happy with the service provided. Thank you team TATA CAPITAL!

Venugopal Raju

Personal Loan | 28 December, 2022

I was impressed with the way your staff handles their customers and if i come accross any family or friend who may be looking for any financial assistance, I shall surely recommend Tata capital

SHEELA AVINASH PATEL

Business Loan | 24 December, 2022

One of the best Mobile App, Tata capital only took 3-4 working day for loan approval.

ARJUN KUMAR

Personal Loan | 23 December, 2022

The services of Tata Capital is very good.. Approval process, loan charges are not hidden, every aspect was explained to me by Tata Capital executive before taking loan, very good transparency. Keep it up..

Prasanna Shriram Agashe

Personal Loan | 10 December, 2022

Excellent customer service with clarity and politeness. Thanks to TATA Capital having wonderful field staff.

S hari Haran

Two Wheeler Loan | 08 December, 2022

I am very happy that I got timely loan in my worst time.

THAKOR BHIMABHAI SHANKARJI

Personal Loan | 07 December, 2022

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Popular FAQs

A home loan, or a housing loan, refers to a sum of money borrowed from a financial institution to buy a new house. With a Tata Capital Home Loan, you can avail of high-value financing for convenient tenures at competitive interest rates.

You can apply for a housing loan for the following purposes:

Purchasing a ready-to-move-in or under-construction housing property

Buying a plot of land to construct a house on it

Renovating or repairing your home (Home Improvement Loan)

Adding new spaces to your existing house (Home Extension Loan)

A home loan can help you purchase or construct your dream house without worrying about the requisite finances. At Tata Capital, we understand your housing finance requirements and provide you with the best home loan.

Some benefits of a Tata Capital Home Loan include:

Attractive rate of interest

Loan tenure up to 30 years

Simple eligibility criteria

Flexible repayment solutions

Instant approval

Quick processing

Tax benefits

Door-to-door services

Tata Capital Home Loans are tailored to help you meet all your housing finance requirements. You can use our home loans for the following purposes:

Buying a ready-to-move-in property from the builder

Buying an under-construction property from the builder

Buying a resale housing property

Buying a plot to construct a house on it

Renovating or repairing your existing house

Refinancing an already purchased residential property

Transferring your outstanding home loan balance from another lender

Yes, you can cancel your home loan even after it has been sanctioned. However, the lender may not refund the home loan processing fees that are charged during the home loan sanction process.

If you want to cancel your home loan after receiving your loan sanction letter, you can write to us or contact us on our helpline number. But make sure you do this well before the loan is disbursed.

Yes, you can extend your home loan tenure as long as it is within the maximum loan tenure offered by your lender. At Tata Capital, we offer home loans with maximum tenures of up to 30 years.

By extending your home loan tenure, you can reduce your EMI burden. To increase your home loan tenure, you can contact us on our customer helpline number or visit your nearest Tata Capital branch.

Some common reasons for the rejection of a home loan could be:

Inability to meet the home loan eligibility criteria

Non-submission of the required documents

Low credit score

Incomplete or incorrect details in the home loan application

If your home loan application is rejected by the lender, find out the exact reason behind it. If a low credit score is responsible, take steps to improve your credit score before reapplying. Also, make sure you check your home loan application thoroughly before submitting it.

Find the right Loan for you

Affordable Housing Loan

At Tata Capital, we believe that every single person, regardless of their financial background, deserves a home to call their own.

With this vision, Tata Capital Housing Finance offers affordable home loans at competitive interest rates.

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Home Extension Loan

As the years go by and your family continues to grow, does your house feel smaller?

Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.

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Home Loan for Self-Construction

Instead of buying a ready-to-move-in house, you can choose to purchase a piece of land and construct your house on it brick by brick.

A home loan for self-construction or simply a home construction loan is a special type of home loan given to help borrowers construct their own house on a piece of land or plot.

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Home Loan Top-up

A home loan top-up is a facility offered by lenders under which a borrower can take an additional loan over and above their existing home loan.

The home loan top-up facility is available only for existing home loan borrowers without the need for any additional security or guarantee.

Know More

Home Loan Top-up

Home Loan Overdraft

At times, you may need additional funds to tackle your personal or business expenses.

With Tata Capital’s home loan overdraft facility, you can avail of a home overdraft loan limit of up to Rs. 2 crores. You can withdraw funds from this overdraft housing loan limit as per your needs and then pay it back at your convenience.

Know More

Home Loan Overdraft

Quick Cash

Quick Cash loan is a unique Pre-Approved personal finance top-up linked to your existing Tata Capital Housing Finance Limited (TCHFL) loans. This loan is only for existing TCHFL Home Loan and Home Equity customers.

Apart from its unique features, it also offers other advantages such as faster processing, and a paperless journey, notwithstanding that all this could be availed in just a few clicks at your convenience any day 24*7.

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Balance Transfer

A home loan balance transfer, or simply a home loan transfer, takes place when you transfer your outstanding home loan amount to a new lender from your existing lender.

With Tata Capital Home Loan Balance Transfer, you can transfer your outstanding home loan balance to affordable interest rates. Our home loan interest rates start from just 8.95% per annum*.

Know More

Balance Transfer

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Balance Transfer Top-up Calculator

Requested Loan Amount

Requested Tenure

Requested Tenure

Net Salary/Income

Monthly Obligation

Cost of Property

Loan Principle Outstanding

Existing EMI

₹0*

₹0*

₹0*

₹0*

₹0*

₹0*

What is Balance Transfer Top-Up Calculator?

Avail TATA Capital loans directly from WhatsApp

How to Use a Home Loan Balance Transfer and Top Up Calculator?

Requested Loan Amount

Requested Tenure

Net Salary or Income

Monthly Obligations

Cost of Property

Loan Principal Outstanding

Existing EMI

More Home Loan products for you

Home Loan for government employees

Home Loan for self-employed

Home Loan for women

What our customers say about us

Prasenjit Sen

PRAMOD LINGSHETTY PATIL

G BHASKAR

Venugopal Raju

SHEELA AVINASH PATEL

ARJUN KUMAR

Prasanna Shriram Agashe

S hari Haran

THAKOR BHIMABHAI SHANKARJI

Popular FAQs

Find the right Loan for you

Affordable Housing Loan

Affordable Housing Loan

Home Extension Loan

Home Extension Loan

Home Loan for Self-Construction

Home Loan for Self-Construction

Home Loan Top-up

Home Loan Top-up

Home Loan Overdraft

Home Loan Overdraft

Quick Cash

Quick Cash

Balance Transfer

Balance Transfer

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