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PNB Housing Finance Home Loan Balance Transfer

Transferring the balance of your home loan to PNB Housing Finance enables you to enjoy low interest rates starting from just 8.50% p.a. Apply for this facility on Bajaj Markets and benefit from an easy online transfer process with minimal documentation.

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With the AAA-rated lender, you can enjoy lower prepayment or foreclosure charges, with no fee on floating-interest loans. Also, you can repay the loan at your convenience over extended tenures ranging up to 30 years.

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Your Home Loan Balance Transfer EMI
₹ 1,153,370
Total Interest Amount
₹ 265,213,281
Principal Amount
₹ 15,00,00,000
Total Payable Amount
₹ 4
Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
Months drop-down-img
  • Years
- +
Min value reached
Max value reached
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You can also make instant comparisons between loan offers from multiple providers on Bajaj Markets.

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Furthermore, you can gain deeper insights into your loan instalments with the free amortisation schedule, which is provided with each calculation. 

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PNB Housing Finance Home Loan Balance Transfer Interest Rates

When you transfer your home loan to PNB Housing Finance, you can benefit from competitive interest rates that depend on your credit score and employment category. The applicable interest rate for balance transfers is as follows:

Loan Type

Interest Rate

Interest Rate

8.50% p.a. onwards

Disclaimer: The mentioned details are subject to change at the lender’s discretion.

Other Fees and Charges Related to PNB Housing Finance HLBT

PNB Housing Finance home loan balance transfer comes with additional charges on HLBT services, including processing fees, prepayment charges, and rate conversion fees. Some of the applicable charges are listed below.

Particulars

Charges

Processing Fee

1% of the loan amount + GST

Prepayment Charges

Up to 3% of the prepaid amount + GST

* No repayment/foreclosure fee on floating-interest loans.

Cheque/eNACH Bounce Charges

₹750 to ₹1,000 + GST

Overdue Charges

Up to 24% p.a. on unpaid EMI for the delayed period

List of Documents Fee

Up to ₹750 + GST

Loan Pre-closure Statement Charges

₹750 + GST

Disclaimer: The mentioned details are subject to change at the lender’s discretion.

Features and Benefits of a PNB Housing Finance Home Loan Balance Transfer

PNB Housing Finance Home Loan Balance Transfer features and benefits include:

Low Interest Rates

With a high credit score, you can benefit from low interest rates starting from just 8.50% p.a.

Flexible Repayment Options

The repayment tenure is extremely flexible and ranges up to 30 years

Easy Transfer Process

Transfer your loan balance conveniently without any extra documentation

No Hidden Charges

There are no hidden charges involved in the home loan balance transfer process
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Eligibility Criteria for a PNB Housing Finance Home Loan Balance Transfer

Make sure to meet the following requirements to be eligible for a PNB Housing Finance home loan balance transfer:

For Salaried Individuals

  • You must be between 21 and 70 years of age

  • You should be a permanent resident of India

  • You must have a minimum of 3 years of work experience

  • Your monthly income should be ₹18,000 or more

For Self-employed Individuals

  • You must be between 21 and 70 years of age

  • You should be a permanent resident of India

  • You must have at least 3 years of business continuity

  • You must be filing income tax returns

Documents Required for a PNB Housing Finance Home Loan Balance Transfer

Make sure to keep the following documents ready while applying for a PNB Housing Finance Home Loan Balance Transfer:

For Salaried Employees

  • Identity Proof (Any one of the following)

    • PAN card

    • Voter ID

    • Aadhaar card

  • Address Proof (Any one of the following)

    • Aadhaar card

    • Passport

    • Driving licence

  • Income Proof: Form 16 of the last 2 financial years and salary slips of the last 3 months

  • Latest degree to validate the educational qualification

  • Self-attested copy of the Title Documents of the Property and Approved Plan

For Self-employed Individuals

  • Identity Proof (Any one of the following)

    • PAN card

    • Voter ID

    • Aadhaar card

  • Address Proof  (Any one of the following)

    • Aadhaar Card

    • Passport

    • Driving Licence

  • Income Proof:

    • Business proof and existence (for self-employed applicants)

    • Income Tax Returns (ITR) of the last 3 financial years

  • Latest degree to validate the educational qualification

  • Self-attested copy of the Title Documents of the Property and Approved Plan

How to Apply for a PNB Housing Finance Home Loan Balance Transfer

Follow these simple steps to apply for the transfer facility on Bajaj Markets:

  1. Click on the ‘Apply Now’ option on this page

  2. Enter your personal, professional, and financial details

  3. Choose ‘PNB Housing Finance’ from the list of lenders

  4. Select the preferred loan amount and repayment tenure

  5. Submit the application form

After this, a representative will contact you for further proceedings.

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Frequently Asked Questions

What is the minimum interest rate one can get with a PNB Housing Finance home loan balance transfer?

Borrowers can benefit from low interest rates starting from just 8.50%. p.a. with this balance transfer facility.

You can apply for the PNB Housing Finance Home Loan Balance Transfer facility if you are a salaried or self-employed individual. Ensure you meet the eligibility criteria set by the lender.

Yes. You can enjoy extended tenures of up to 30 years with this balance transfer facility.

With a PNB Housing Finance’s balance transfer facility, you can get more than your remaining loan amount by taking a top-up loan if you meet the eligibility criteria.

The process of home loan balance transfer to PNB Housing Finance generally takes 1–2 weeks. It can vary as per document verification and approval timelines.

A home loan balance transfer can help reduce both the EMI and the total interest payable. The process typically involves: 

  • Checking eligibility

  • Submitting an application to the new lender

  • Obtaining approval

  • Closing the existing loan

  • Transferring the outstanding balance

A home loan balance transfer is beneficial when the new lender offers a much lower interest rate. This helps reduce EMIs and total interest. The expected savings need to exceed the costs associated with the transfer.

According to RBI guidelines, banks cannot impose a penalty on the transfer of a floating-rate home loan. In the case of fixed-rate loans, the current lender may charge a fee ranging from 1% to 3% of the remaining loan amount.

Following a home loan balance transfer, you can either retain the existing insurance policy by updating the nominee to the new lender or opt for a fresh policy if the new lender requires it.

The balance transfer period is the time taken to shift your home loan from one lender to another. It usually ranges from a few days to a few weeks, depending on the lenders involved.

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