Balance Transfer Facility with Top-Up
Reduce Your Loan Burden, Access More Funds
Are you making large EMI payments on your current loan? You can acquire more money for your personal or professional requirements in addition to transferring your loan to a cheaper interest rate with Standard Mortgage's Balance Transfer Facility with Top-Up.
It's time to increase savings, make wise borrowing decisions, and release liquidity in a single, easy step.
What is a Balance Transfer with Top-Up?
With a balance transfer with top-up, you can transfer your current loan—whether it's a Home Loan , a loan secured by real estate, or a Corporate Loan /business loan—to a different lender at a reduced interest rate and have the opportunity to borrow more funds over the total owed on your current loan.
Competitive interest rates, flexible payback plans, and no usage restrictions are all features of this top-up loan.
Advantages of the Top-Up Balance Transfer Facility
- ✅ Reduced Interest Rates: Drastically lower the monthly EMI load
- ✅ Top-Up Loan Eligibility: Receive more money on top of the loan that was transferred
- ✅ No Hidden Fees: An open procedure with no unpleasant surprises
- ✅ Flexible Tenure: Make comfortable repayments over long periods of time
- ✅ Use Money Anytime: For emergencies, home improvement, education, or business expansion
Who Can Avail This Facility?
Our balance transfer with top-up loan is ideal for:
- Salaried professionals paying high interest on current loans
- Business owners needing additional working capital
- Homeowners seeking to renovate or consolidate debt
- Anyone looking to save money and increase cash flow
Eligibility Criteria
- Have an existing loan with 12+ EMI payments made
- Show a good credit score (usually 700+)
- Provide proof of stable income or business turnover
- Own a property that is mortgaged or collateralized
Documents Required
- PAN, Aadhaar, and KYC documents
- Existing loan documents (sanction letter, repayment track)
- Property documents (if secured loan)
- Salary slips or income proof
- Bank statements (last 6–12 months)
Why Choose Standard Mortgage?
- Quick loan takeover and disbursal
- End-to-end documentation support
- Personalized loan structuring based on your financial goals
- Expert assistance throughout the process
Take Control of Your Loan – Apply Today
With our balance transfer facility with top-up, you can reduce your interest burden and gain access to much-needed funds without applying for a fresh loan. It’s smarter, faster, and tailored to your financial journey.
