Date : Mar 18, 2009
Loan transfer fees of 3% from HDFC. I have till date taken loan of 20 lakhs from HDFC and i want to shift to another bank. THey are charging my 3% loan transfer fees. Is there any help for me.
The bank may charge a certain amount of prepayment penalty. Since you have taken a home loan at a floating rate of interest, it is
anyways subject to change. You should explore the option of changing
your home loan lender if you have maintained a good track record of
repayment on the loan. If you have surplus funds and you can also
pre-pay a part of the home loan as it will reduce the monthly EMI
burden. Quite a few banks do not charge pre-payment penalty if the loan
is prepaid partially. The definition of what constitutes partial
pre-payment varies from bank to bank. This will ensure savings in
pre-payment penalty and at the same time help you to save on high
interest costs on a substantial portion of the loan. However, before
you decide to pre-pay a home loan, it is in your interest to first
clear off all unsecured dues like credit card dues and personal loans.
Also, make sure that you have some money set aside to meet emergency
expenses. Tax calculation can change the view on pre-payment. You can
also check the 'Should I switch my loan' calculator on Apnaloan to
check whether it makes sense to change the lender.
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