BALANCE TRANSFER · SWITCH & SAVE

Switch Your Home Loan, Save Real Money

If your existing home loan carries a high rate, poor service, or you're simply curious what a better lender would cost you, Nivāsa can match you to an RBI-authorised partner offering better terms — often for less than you're paying today.

See Savings Before You Switch Zero Commission Top-Up Available

See Your Savings

What would switching actually save you?

Enter your current loan details — the numbers update instantly. This is a soft estimate; your matched lender may quote a different final rate.

Outstanding Loan Amount₹18,00,000

Remaining Tenure (Years)12 yrs

Your Current Rate (p.a.)11.0%

Nivāsa-Matched Rate (p.a.)9.2%

Rates shown are illustrative. Your actual current rate is on your existing loan statement; your matched rate depends on the partner lender and your profile.

Monthly EMI Savings

2,180

Current EMI₹19,650

Nivāsa-Matched EMI₹17,470

Total Interest Saved₹3,14,000

Start My Switch →

How Switching Works

The process, start to finish

Share your current loan details. Outstanding amount, current rate, and remaining tenure — from your latest loan statement.
We match you to a better-fit lender. Based on your profile and the property, from our 10+ RBI-authorised partners.
The new lender pays off your existing loan directly. You don't handle the payoff yourself.
You continue on the new loan, at the new rate and terms, with your EMI adjusted accordingly.

Want to borrow more at the same time? Many partner lenders offer a top-up loan bundled with the balance transfer — useful if you're switching anyway and also need funds for renovation, a business need, or another goal.

Documents checklist

Aadhaar and PAN
Latest loan statement showing outstanding balance and rate
Original property documents (held by your current lender — they release these to the new lender directly)
Income proof appropriate to your employment type
Last 6–12 months of EMI payment record

Get Started

Start your switch

Soft check only — this does not affect your CIBIL score.

Check Eligibility →

Questions

Balance Transfer FAQ

Nivāsa charges zero commission for the switch. Some lenders may charge a processing fee on the new loan or a foreclosure charge on the old one — we show these upfront before you decide.

A balance transfer involves a credit check with the new lender, which can cause a small, temporary dip — but consistent repayment on the new loan typically offsets this within a few months.

Yes — many partner lenders offer a top-up loan alongside a balance transfer, letting you access additional funds at the same time as switching.