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BALANCE TRANSFER & TOP UP

Your own home gives you a deep sense of comfort, achievement, and holistic happiness. Why not let your home loan add to that joy? We are here as your partners to get you home with the lowest interest possible. By moving your current home loan to Piramal Capital & Housing Finance, you will have access to our expertise and guidance in restructuring your debt with a cash-out that you can use for multiple purposes - you can reinvest it in your business, reinvent your interiors and raise funds for other miscellaneous needs.

Balance transfer is an easy process that your dedicated relationship manager will guide you through. Our customized process flow will ensure that you have a smooth transaction and the tenure and EMI will be structured to suit your personal requirements. At Piramal Capital & Housing Finance, we put people first and hence make sure all your loan requirements are taken care of.

An additional top up is available on the loan amount depending on your requirement.

Apply Now

GET READY FOR YOUR NEW HOME!

PURPOSE
    WE OFFER LOANS FOR:
  • Transfer of existing home loans from other financial institutions. You can also avail an additional top up as per your requirement.
  • A simplified process is available for customers running a home loan for more than 18 months
MAXIMUM LOAN
    We offer loan up to 90% of the current market value of the property, subject to regulatory guidelines.
MAXIMUM TERM
    Up to 30 years subject to your retirement age.
TOP UP
    As you transfer your loan with us, a top up option is available depending on your specific requirements.
    Maximum possible cash out available depending on the current value of your property.
ADJUSTABLE INTEREST RATE HOME LOAN
Rate of interest is linked to Retail Prime Lending Rate (RPLR) and is subject to vary with changes in RPLR.
ELIGIBILITY CRITERION
    Customer Segment
  • Salaried Individuals (Both resident as well as Non Resident Indians)
  • Self Employed Individuals (Customized schemes for doctors, CAs and other professionals)
  • Self Employed Non Individuals
INTEREST RATES
Interest Rates starting from 8.85%* p.a
Retail Prime Lending Rate (RPLR) – 15.80% p.a (effective February 5, 2019)

MITC

EQUITY CASH OUT
INTEREST STARTS ON THE DAY YOU ACCEPT THE CHEQUE AND NOT WHEN WE PRINT IT.
DEDICATED RELATIONSHIP MANAGER
Get expert advice and support at every step of your home-buying experience. Don't worry or stress about waiting in long queues online or offline - just call your dedicated relationship manager!
ELIGIBLE CUSTOMER SEGMENT
  • Salaried and Self Employed Individuals.
  • Proprietorship Firms
  • Private Limited Companies / Closely held limited Companies
  • Partnership firms / LLPs
LOAN AMOUNT
  • From 20 Lakhs to 10 Crores
INCOME CLUBBING
  • Income of close family members ( Spouse / Parent / Children ) can be clubbed.
  • Incomes of siblings can be clubbed, subject to conditions, if they are co-owners in property
LOAN TO MARKET VALUE
Loan amountupto 30 Lakhsupto 30 -75 LakhsMore than 75 Lakhs
FundingUpto 90%80%75%

The above is subject to market value of the property and repayment capacity of the customer, as assessed by PCHF

PHOTO IDENTITY PROOF
    Any one of the below mentioned documents:
  • Passport
  • PAN
  • Aadhar Card
  • Driving License
  • Voter ID Card
CURRENT RESIDENCE ADDRESS PROOF
    Any one of the below mentioned documents:
  • Passport
  • Ration Card
  • Aadhar Card
  • Driving License
  • Voter ID Card
AGE / DOB PROOF
    Any one of the below mentioned documents:
  • Passport
  • Ration Card
  • Driving License
  • Birth Certificate (issued by Government body)
  • School leaving certificate (10th)
BUSINESS / EMPLOYMENT PROOF
    Salaried customer:
  • ID card with date of Joining / appointment letter.
  • Self Employed Professional and Non professional:
  • Shops and establishment certificate
  • Trade license certificate
  • SSI Registration Certificate
  • Sales Tax / VAT /GST Registration certificate
  • Self Employed Professionals:
  • Proof of professional qualification is required in addition to above mentioned document if customer is applying in individual capacity
INCOME DOCUMENTS
    Salaried customers:
  • Payslip for last 3 months.
  • Latest Form 16 or ITR
  • Performance Appraisal letter / Bonus letter - as proof of bonus ( if applicable)
  • Self Employed customers with income proof:
  • ITRs for last 2 years with computation of income, P&L, Balance sheet , Schedules and auditors report ( If applicable)
  • Financials should be audited if mandatory as per regulations or annual turnover is more than 2 Crores, else these need to be CA certified.

Testimonials

We are in the business of financial planning but the day I finalised my property, I needed to get a loan and I found Piramal to be the best option. They cater to all the requirements of the customers and helped me at every single step along the way.

Nirmal Dand,
Financial Planner
nirmal-dand