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Balance Transfer & Refinance Saver — Repo Cut Savings
Switch from 9.2% to 8.4%? See monthly EMI drop, lifetime interest saved, break-even months & net gain after BT fees.
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Home Loan Balance Transfer (BT) Saver
RBI repo cut? Check if switching from 9.2% to 8.4% saves you lakhs.
₹75 L
Fee: ₹36,250
BT ANALYSIS
Save ₹3,667/moOld EMI:₹72,835
New EMI:₹69,168
Interest saved (life):₹7.48 L
BT fee & charges:- ₹36,250
Net lifetime saving:₹7.12 L
Break-even in:10 months ✓ Worth it
How to Use the BT Refinance Saver
1. Enter Outstanding & Tenure
Outstanding principal and remaining years.
2. Compare Old vs New Rate
Slide rates to see EMI difference instantly.
3. Check Break-Even
Net saving after BT fee; if <12 months, transfer is worth it.
Frequently Asked Questions
When is balance transfer worth it?
If rate drop >=0.5% and remaining tenure >8 years, savings exceed 0.35% BT fee + ₹10k charges within 6-12 months.