Apply for home loan Balance Transfer online with Grihum Housing

Your Home, Your Future – Make It More Affordable

At Grihum Housing Finance, we understand that your home is more than just a structure, it's the heart of your memories and milestones. That’s why we offer a seamless Home Loan Balance Transfer service, empowering you to move your existing home loan to us and enjoy better interest rates, reduced EMIs, and greater financial freedom.

Key Benefits of Home Loan Balance Transfer

Our feature-rich Home Loan Balance Transfer schemes are designed for a seamless and pleasant experience.

Lower Your EMIs, Simplify Your Finances

Top-Up Facility

Flexible Tenure

End-to-End Doorstep Assistance

Minimum Documentation

Fast and Transparent Loan Procedure

Lower Your EMIs, Simplify Your Finances
Transfer your existing home loan to Grihum and benefit from reduced monthly installments with competitive interest rates.
Top-Up Facility
Already transferred your home loan. Need additional funds? Our Top-Up Loan lets you borrow extra on your existing loan—ideal for renovation, education, or other personal needs—with minimal documentation and attractive terms.
Flexible Tenure
Enjoy flexible repayment options ranging from 1 to 30 years, tailored to fit your financial goals and lifestyle.
End-to-End Doorstep Assistance
From application to disbursal, we bring personalized service to your doorstep, with dedicated relationship managers guiding you every step of the way.

Who Can Apply?

We cater to a wide range of borrowers, including salaried individuals, self-employed professionals, and businessmen. Our eligibility criteria are designed to be inclusive, simple, and stress-free.

Category	Salaried Individuals	Self-Employed Individuals	Firms/ Companies
Age	Age: 21- 65years	Age: 21- 65years	Age: 25-65 years
Income Requirement	Monthly Salary: ₹20,000+	Gross annual income: ₹3 Lakhs+	Annual turnover: ₹10 Lakhs+
Experience	Minimum 1 year work experience	Minimum 2 years in business	Business vintage: 3 years
Citizenship	Indian	Indian	Proprietor/Partners/Directors

Required Documents for Home Loan Balance Transfer:

Category	Salaried Individuals	Self-Employed Individuals	Firms/Companies
Identity Documents PAN Card is mandatory, and any one of these	Aadhaar Card Passport Driving License Voters ID	Aadhaar Card Passport Driving License Voters ID	GST Registration Certificate Registration Documents
Address Proof	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA National Population Register Letter	Aadhaar Card Passport Driving License Voters ID Job Card by NREGA National Population Register Letter	Electricity Bill or Rent Agreement KYC of Partners/Directors
Income Proof	Last 3 months' salary slips, Form 16 Last 2 years' ITRs	Last 2 years’ Profit/Loss statement balance sheet, and ITRs	Last 2 years’ Profit/Loss statement balance sheet, and ITRs
Other Documents	Bank Statement: Last 6 months	Bank Statement: Last 6 months	Bank Statement: Last 6 months
Property Documents	Property documents along with legal & technical clearance	Property documents along with legal & technical clearance	Property documents along with legal & technical clearance

Interest Rates & Charges

We’re committed to transparency and affordability:

Attractive Interest Rate

Processing Fee

Foreclosure charges

Valuation Charges

Attractive Interest Rate
Processing Fee
0.50% of sanctioned amount + GST
Foreclosure Charges
Floating Rate: NIL
Fixed Rate: As per NHB guidelines
Valuation Charges
Applicable for balance transfer & refinance as per actuals