Shubham Housing Finance Home Loan Balance Transfer

Transfer your existing housing loan to Shubham Housing Finance easily through Bajaj Markets. It is helpful especially for those with informal income sources. This transfer facility also helps you lower your EMI burden and enjoy better loan terms. 

You can get a lower interest rate starting from 9.90% p.a. on your home loan with this balance transfer option. Furthermore, you can benefit from extended tenures of up to 30 years and a loan amount of up to ₹50 Lakhs. Furthermore, you can opt for customisable EMIs, which enable you to manage your loan better.

The eligibility requirements for getting a balance transfer facility from Shubham Housing Finance are as follows:

• You must be between 21 and 70 years of age

• You must have a bank account

• You must reside in a city where Shubham Housing Finance’s office is located

Your credit score can also affect your loan eligibility. These individuals can be co-applicants to the loan:

• All the owners of the property being financed

• All individuals whose income is considered for the loan

Here is the list of documents required for Shubham Housing Finance Home Loan Balance Transfer:

• A duly filled application form

• Proof of Identity, such as PAN card, voter’s ID, and passport

• Proof of residence, like an Aadhaar card, utility bills, or a passport

• Documents of income proof

• Bank statements

• Property documents

Here is how to apply for a Shubham Housing Finance Home Loan Balance Transfer on Bajaj Markets:

1. Select the ‘Check Offer’ button on this page

2. You will be redirected to the page with an online application form

3. Specify your profession by choosing either Salaried Employee or Business Owner

4. Provide your mobile number to continue with the eligibility check

5. Agree to the terms of use and permit the sharing of your details where required

6. Click ‘Apply Now’ to finalise and submit your application

Once you submit the form, a representative will reach out to you to take the process further. 

You can easily track the status of your Shubham Housing Finance Home Loan Balance Transfer through different channels. Options include phone, email, online, or branch visits. These methods help you get real-time updates on your application progress.

• Check via Customer Care Helpline

Call the toll-free number 1800 258 2225 to speak with a representative. After verifying your loan details, they will provide the latest update on your balance transfer status. 

• Check via Email Support

Send an email to customercare@shubham.co with your loan application details. The support team will share the current status along with any further steps required from your end. 

• Check via Branch Visit

Visit the nearest Shubham Housing Finance branch to inquire about your loan transfer status. Relationship officers at the branch will provide personalised assistance and guidance on documentation, if required.

The lender gives you easy options to access your loan statements, either annually or on request, through different channels, including:

• Annual Statements: You will automatically receive your account statement and interest certificate after the close of the financial year 
• Branch Request: You can visit the nearest branch and request a copy of your loan statement or repayment schedule 
• Customer Care: You can call the helpline at 1800 258 2225 or send your loan details to customercare@shubham.co to request your loan statement 

Shubham Housing Finance offers flexible repayment options for its home loan balance transfer facility to ensure convenience. You can choose from the following methods:

• NACH (National Automated Clearing House)

You can set up standing instructions with your bank to enable automatic EMI deductions each month. This ensures timely payments without manual effort and reduces the risk of missed EMIs.

• ECS (Electronic Clearing System)

ECS also allows monthly EMIs to be auto-debited directly from your bank account. This method ensures consistency and ease of repayment throughout the loan tenure.

• Prepayment

You can repay your loan amount ahead of schedule, either partially or fully. Shubham Housing Finance does not levy any penalty on prepayments, helping you save on interest and close the loan faster.