loader
Loan Tenure

Open to all

Applicable for all categories of customers

max loan amount

Secure

Only approved financial institutions

interest rate options

Top-up Facility

Get a Top Up loan over and above your original loan

Eligibility 

  • Minimum repayment track record of 12 months
  • Age: 23 years and up to 62 years on loan maturity
  • Balance transfer from only approved financial institutions
  • Applicable for residential properties only
  • Title document ownership should remain with the applicant

Calculate EMI

Loan Requirement (₹)

2 Lacs
20 Cr

Interest rate (%)

%
8.55 %
15 %

Loan Tenure (In Months)

Months
30 Months
360 Months

Your EMI:

15,730 /-

  • Principal Amount:

  • Interest Amount:

Documents Home Buyers
Customer Undertaking
  • To submit original docs to LTHF within 20 days from date of disbursement
Letter of Authority
  • Customer authorizing LTHF representative to collect original title docs & mortgage release letter on his behalf from previous Bank/HFC
Irrevocable POA
  • Required from customer in favor of LTHF empanelled lawyer. POA to be executed on stamp paper of requisite value and should be duly notarized from a notary public

Balance transfer cheque will be handed over to the approved financier Over the Counter (OTC). Customer indemnity will be taken in lieu of the list of documents from the financier

Charge Type - Balance Transfer Top Up LoansDetails
Processing fees and charges
  • The processing fees will amount to up to 1% of the amount borrowed, plus relevant taxes.
Part payment charges
  • Nil charges for individual and floating borrower
  • For all non-individual & fixed rate individual loans 5% of principal outstanding if part payment exceeds 25% in a financial year exclusive of taxes
Foreclosure charges
  • Nil for floating rate individual loans
  • For floating rate non individual & fixed rate individual & non individual loans (MOB <= 12 months
  • 4% of principal outstanding & MOB >= 12 months - 3% of principal outstanding exclusive of taxes)

Get your ambitions financed today!

Apply Now

Apply With Ease

  • Salaried

  • Self Employed

  • Get OTP Verification

  • Enter KYC Details

  • Share Income Documents

  • Share Company Documents

  • Get Loan Eligibility

  • Get OTP Verification

  • Enter KYC Details

  • Share Income Documents

  • Share Company Documents

  • Get Loan Eligibility


Do More With Your

Balance Transfer

  • Lower Interest Rate
  • Purchase Residential Properties
  • Top-Up Loan
LTFS-home-Loan
  • Buying a home can be quite tempting initially. And later on, the interest on your loan could be a burden for you. Now with Balance Transfer to L&T Finance Housing Finance, home buyers can transfer your existing loan from any other financial institution to help you save on interest expenses.
LTFS-home-Loan
  • While you can take a home loan for many other types of properties, a balance transfer is applicable only on residential properties. If you wish to reduce your interest expenses on your existing loan from any other financial institution, you can opt for Balance Transfer with L&T Finance.
LTFS-home-Loan
  • Need a little more to offset your home loan expenses? Balance Transfer allows you to get a Top-Up Loan that can both, allow you to pay a lower interest as well as take care of additional expenses.

Our Achievements

Our Achivements
Our Achivements

Home Loan And LAP

Home Loan And LAP

  • Disbursements at ₹2,399 Cr in FY22
  • Home Loan Approval (login to sanction): 20 minutes against industry average of 2 days

Related Products For You

Personal Loans

Personal Loans

Achieve your immediate financial needs with our Personal Loans.

SME Loans

SME Loans

Grow your business with an SME loan.

Two-Wheeler Finance

Two-Wheeler Finance

Apply for a Two-Wheeler loan with minimal documentation.

Know More About Loans!

Blogs & Videos

An Essential Guide To Housing Loan

An Essential Guide To Housing Loan

An Essential Guide To Housing Loan

Dec 26, 2022
|
|

An Essential Guide To Housing Loan

Know More
How To Avail A Business Loan For Buying A Shop

How To Avail A Business Loan For Buying A Shop

How To Avail A Business Loan For Buying A Shop

Dec 26, 2022
|
|

How To Avail A Business Loan For Buying A Shop

Know More
What Is A Commercial Property Loan And What Do You Need To Know About It

What Is A Commercial Property Loan And What Do You Need To Know About It

What Is A Commercial Property Loan And What Do You Need To Know About It

Dec 26, 2022
|
|

What Is A Commercial Property Loan And What Do You Need To Know About It

Know More
Things You Need To Know Before Buying A Commercial Property On Loan

Things You Need To Know Before Buying A Commercial Property On Loan

Things You Need To Know Before Buying A Commercial Property On Loan

Dec 26, 2022
|
|

Things You Need To Know Before Buying A Commercial Property On Loan

Know More
Home Loan Calculator: Instant And Accurate Tool For Borrowers

Home Loan Calculator: Instant And Accurate Tool For Borrowers

Home Loan Calculator: Instant And Accurate Tool For Borrowers

Dec 26, 2022
|
|

Home Loan Calculator: Instant And Accurate Tool For Borrowers

Know More
Top Up Loan Calculator

Top Up Loan Calculator

Top Up Loan Calculator

Dec 26, 2022
|
|

Top Up Loan Calculator

Know More
Home Loan Top Up: Best Way To Meet The Need For Extra Funds

Home Loan Top Up: Best Way To Meet The Need For Extra Funds

Home Loan Top Up: Best Way To Meet The Need For Extra Funds

Dec 23, 2022
|
|

Home Loan Top Up: Best Way To Meet The Need For Extra Funds

Know More
Avail Easy Top Up On Home Loan Heres How

Avail Easy Top Up On Home Loan Heres How

Avail Easy Top Up On Home Loan Heres How

Dec 26, 2022
|
|

Avail Easy Top Up On Home Loan Heres How

Know More
5 Benefits Of Taking A Loan Against Your Commercial Property

5 Benefits Of Taking A Loan Against Your Commercial Property

5 Benefits Of Taking A Loan Against Your Commercial Property

Dec 22, 2022
|
|

5 Benefits Of Taking A Loan Against Your Commercial Property

Know More
Calculate Home Loan Interest Rate At The Click Of A Button

Calculate Home Loan Interest Rate At The Click Of A Button

Calculate Home Loan Interest Rate At The Click Of A Button

Dec 26, 2022
|
|

Calculate Home Loan Interest Rate At The Click Of A Button

Know More
Why You Must Choose a Home Loan Balance Transfer

Why You Must Choose a Home Loan Balance Transfer

Why You Must Choose a Home Loan Balance Transfer

Dec 23, 2022
|
|

Why You Must Choose a Home Loan Balance Transfer

Know More
Why You Need To Choose A Home Loan Transfer

Why You Need To Choose A Home Loan Transfer

Why You Need To Choose A Home Loan Transfer

Dec 23, 2022
|
|

Why You Need To Choose A Home Loan Transfer

Know More
A Comprehensive Guide To Avail A Home Loan

A Comprehensive Guide To Avail A Home Loan

A Comprehensive Guide To Avail A Home Loan

Dec 23, 2022
|
|

A Comprehensive Guide To Avail A Home Loan

Know More
Need Funds For Your Home? Get A Top Up Home Loan

Need Funds For Your Home? Get A Top Up Home Loan

Need Funds For Your Home? Get A Top Up Home Loan

Dec 23, 2022
|
|

Need Funds For Your Home? Get A Top Up Home Loan

Know More
All You Need to Know About Home Loan Transfer Charges

All You Need to Know About Home Loan Transfer Charges

All You Need to Know About Home Loan Transfer Charges

Dec 23, 2022
|
|

All You Need to Know About Home Loan Transfer Charges

Know More
Home Loan Transfer Process: How Does It Work

Home Loan Transfer Process: How Does It Work

Home Loan Transfer Process: How Does It Work

Dec 23, 2022
|
|

Home Loan Transfer Process: How Does It Work

Know More
Decoding Loan Against Property

Decoding Loan Against Property

Decoding Loan Against Property

Nov 22, 2022
|
|

Decoding Loan Against Property

Know More

Get The
PLANET App Today!

All your loan needs can be addressed under one roof with the L&T Finance Planet App. Download the Planet App now for maximum convenience.

Download the PLANET App Now!

apple badge google badge
Our companies Banner

Download the PLANET App Now!

apple badge google badge

Explore Other Product

consumer_loan

Personal Loans

Two wheeler

Two-Wheeler
Loan

farmer_loan

Farm Equipment Finance

sme_loan

SME Loan

micro_loan

Micro Loan

Frequently Asked Questions

Have more doubts about home loans? Get all your queries answered here.

women_thinkingfaq_mark_2

At Your Service.

Reach out to L&T Finance on any device, across multiple channels.

Mobile App

Download the PLANET App.

apple badgegoogle badge

Know More About PLANET App

CLICK HERE

If you prefer Self Help Option (SHO) Click here

Chat Bot

Have more queries?

Get them answered instantly.

form left banner

Want a callback? Enter your details.

By proceeding, I confirm that the information provided by me here is accurate. I authorize L&T Finance and/or its authorized representatives to contact me for any queries and/or my documents collection for the loan application. This will override registry on Do Not Disturb (DND)/National Do Not Call (NDNC)

GET A CALLBACK
Locate Us

Corporate Office

Brindavan Building, Plot No 177
Vidyanagari Marg, CST Road,
Kalina, Santacruz (E), Mumbai 400 098

To visit a branch of L&T Finance please Click here

WhatsApp

Connect With us on WhatsApp!

Send 'Hi' or 'Hello' to : +91 7378333451

download app bg

Download the PLANET App

apple badge google badge