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HOME LOAN BALANCE TRANSFER

Transfer Your
Home Loan

Instant Provisional Sanction
Higher loan amount with Top up facility
Extended tenure up to 20 Years
Digital Application Process

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Read the HomeBuyer’s Smartbook

Calculate EMI

Home Loan Balance Transfer Overview

Balance Transfer refers to transferring of outstanding Home Loan Balance from one financial institution to another, for a lower Interest Rate or Top-up Loan or higher Tenure. If you are looking for ways to save for the future, switch to ICICI Bank Home Loan Balance Transfer option. It’s a smart move, as it lets you transfer your Home Loan outstanding balance to ICICI Bank, at a Repo Rate linked rate of interest.

Balance Transfer Calculator

Calculate your monthly savings

₹

( Months Years )

₹10,026

₹

Outstanding Principal Amount

₹

₹5,00,000
₹3,00,00,000

Current Interest Rate

Current Outstanding Tenure

( Months Years )

Illustrative Interest Rates (In %)

Required Tenure

( Months Years )

Your Existing Home Loan

ICICI Bank Home Loan

₹ 30,000

₹ 20,000

Monthly EMI

You Save ₹10,201/month

₹ 30,000

₹ 20,000

Total Amount Paid

Amount You Save

₹24,48,240

Apply Now Get A Callback

₹

₹65,43,590

₹50,43,590

₹60,000

₹40,000

Apply Now

Documents required for Home Loan Balance Transfer

KYC Documents

Aadhaar Card
Proof of current residence

Income Documents

Income documents are not required
Documents can be asked for, on a case-to-case basis

Transfer your existing Home Loan to ICICI Bank

As a home owner, it is important that you know about ways to save on loan repayment and manage your budget.

Explore our Home Buyers Guide

Transfer your existing Home Loan to ICICI Bank

Home Loan Balance Transfer FAQs

Expand All | Collapse All

How many times can I do a Home Loan balance transfer?

A borrower can transfer a Home Loan multiple times. However, you can only do a Home Loan balance transfer after the lock-in period ends. The lock-in period usually ranges from 6-12 months.

What is the minimum tenure for a Home Loan balance transfer?

You can apply for Home Loan Balance Transfer after paying EMI’s for 12-18 months on your loan. The minimum balance transfer amount is above Rs 15 Lakh. The minimum CIBIL score requirement is 700 for a Salaried, and 750 for Self Employed applicant

* On a case to case basis lower seasoning and CIBIL score can also be considered.