At CreditCure.ai, we aim to simplify your home loan balance transfer process. Below is a comprehensive list of documents typically required to transfer your home loan to a better interest rate and save on EMIs.

1. Identity Proof (Any One)

• Aadhaar Card
• PAN Card
• Passport
• Voter ID
• Driving License

2. Address Proof (Any One)

• Utility Bills (Electricity, Water, Gas)
• Passport
• Rent Agreement
• Aadhaar Card

3. Income Proof

Salaried Employees:

• Latest 3 months’ salary slips
• Form 16 or Income Tax Returns (ITR) for the last 2 years

Self-Employed Professionals/Business Owners:

• Profit and Loss Statement and Balance Sheet (audited, last 2 years)
• Business Registration Certificate
• Income Tax Returns (ITR) for the last 2-3 years

4. Existing Loan Documents

• Loan Sanction Letter from the current lender
• Repayment Schedule
• Foreclosure Letter/Pre-closure Statement
• Statement of EMI payments made (last 12 months)
• Outstanding Loan Balance Certificate

5. Property Documents

• Sale Deed/Agreement to Sell
• Property Tax Receipts
• Allotment Letter (if applicable)
• NOC (No Objection Certificate) from the builder or housing society

6. Bank Statements

• Latest 6 months’ bank statements showing salary credits or business transactions
• Statements reflecting EMI deductions for the existing loan

Why Choose CreditCure.ai for Your Home Loan Balance Transfer?

• Personalized Recommendations: We analyze your financial profile to suggest the best lenders with competitive interest rates.
• Streamlined Process: Our team assists in document collection and submission, ensuring a hassle-free experience.
• Savings Focused: Lower your EMI, reduce your loan tenure, and save significantly on interest payments.

Ready to transfer your home loan?

Contact CreditCure.ai today to unlock savings and achieve financial freedom!