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Your home deserves the very best, including your home loan. At Kotak Mahindra Bank, we understand your home loan needs. Now pay off any existing balance of home loan with Kotak's Home Loan Balance Transfer at a lower rate of interest. Retain your home on terms and conditions that suits your needs.
Take a home loan, to pay off existing home loan(s)
You can directly make your future payments to Kotak Bank on availing a home loan balance transfer
Kotak Home Loan Balance Transfer lets you transfer your existing home loan at lower interest rates than the original loan
You can use Kotak Home Loan Balance Transfer to top-up the existing loan to get ready cash for any of your needs
Kotak offers a simplified process for availing a Home loan Balance Transfer with the ease of customisable installment plans
Even a 1.0% reduction in the interest rate can save you more than Rs. 1.5 lakh on a loan of 10 lakhs over a 20 year period. The exact figure will depend on the rate on the existing loan, balance tenure, etc.
Check your eligibility for home loan at Home Loan Eligibility
Also calculate your EMI using Home Loan EMI Calculator
Disclaimers: Conditions apply. Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets. Quick Check: Even a 1.0% reduction in the interest rate can save you more than Rs. 1.5 lakh on a loan of 10 lakhs over a 20 year period. The exact figure will depend on the rate on the existing loan, balance tenure, etc.
Home Loan Eligibility depends on following factors.
Check your Eligibility with Kotak Mahindra Bank in 1 minute using Home Loan Eligibility Calculator.
Also check your EMI at Home Loan EMI calculator
(Original for verification and self-attested copies for submission)
|Income proof and banking details|
|Age proof and address proof|
|Identity proof and Signature Proof|
|Proof of educational qualifications|
Use our easy to access Home Loan EMI calculator to help you plan for your dream faster and more efficiently.
Kotak Home Finance is dedicated to understanding your specific needs, and to helping you move your inventory faster than ever before. We will work closely with you for a mutually beneficial relationship.
If you are currently distributing some other financial Products and would like to benefit from the real estate and Home-Finance boom, then Kotak Mahindra Bank is the place for you.
We provide one of the best Home-finance solutions in the industry. The speed is designed to give your business the necessary fillip.
To get in touch with us and find out more about how you can become an Associate, contact us at following branches.
|Location||Sub-location||Dept||Full Address (with PIN Code)||Contact Person||Contact No.|
|Mumbai||Kalina||Home Finance||5th Floor, Vinay Bhavya Complex, 159 A, CST Road, Kalina, Santacruz E, Mumbai - 400098||Kapil Singh||9833223737|
|Mumbai||Borivali||Home Finance||1st Floor, Soni Shopping Centre, L.T. Road, Borivali (W), MUMBAI - 400092||Aashish Shinde||9920755101|
|Mumbai||Mulund||Home Finance||105-106, 1st Floor, Vikas Paradise, LBS Marg, Mulund(W), MUMBAI - 400080||Archana Sand||9619867212|
|Delhi||Delhi||Home Finance||2nd & 3rd Floors, 6, Vaishali Enclave, Pitam Pura, Adjacent to Gulab Sweets, New Delhi - 110088||Harmeet Basant||8447752755|
|Gurgaon||Gurgaon||Home Finance||JMD Regent Square Mehrauli-Gurgaon Road, Gurgaon - 122002||Rakesh M Kumar||9899035907|
|Bangalore||Bangalore||Home Finance||3rd Flr, Umiya Landmark, Lavelle Road, Bangalore -560001||Bhudev Nanda||9739002065|
|Pune||Pune||Home Finance||8th Floor, Sohrab Hall, 21, Sassoon Road, Behind Railway Station, Pune - 411001||Kunal Pradhan||7767802576|
|Hyderabad||Hyderabad||Home Finance||Jewel Pawani Tower, 2nd Floor, W Block, 6-3-1109/1/P/302,Raj Bhavan Road, Somajiguda, Hyderabad - 500082||Giri Babu||9885522999|
|Chennai||Chennai||Home Finance||8th Floor, TVH Agnito Park, 141 ,Old Mahabalipuram Road, Kandanchavadi,, Chennai - 600096||Prakash K||9962000400|
|Coimbatore||Coimbatore||Home Finance||1054/33, Goutham Centre Annexe, 2nd Floor, Avinashi Road, Coimbatore - 641018||Swaminathan Selvan||9176677803|
|Cochin||Cochin||Home Finance||40, 9702 UA, Kanaka Damodar Building, Veekshnam Road, Off MG Road, Ernakulam - 682035||Ajay Menon||8589054679|
|Vijaywada||Vijaywada||Home Finance||40-1-48/1, M G Road, Labbipet, Vijaywada - 520010||Prabhu Kumar Addanki||9885332313|
|Jaipur||Jaipur||Home Finance||Ground Floor, SDC Tower, B 26, Govind Marg, Raja Park, Jaipur - 302004||Madhur Ojha||9672915886|
|Chandigarh||Chandigarh||Home Finance||SCO 831 NAC Market Manimajra, Chandigarh-160101||Manish Rathore||8558848187|
|Indore||Indore||Home Finance||5th Floor, Metro Tower, Near Vijay Nagar, Indore (M.P.) - 452010||Rajesh Bhatt||8370019482|
|Raipur||Raipur||Home Finance||Dhand Compound, Behind Police Head Quarter, Civil Lines, Raipur - 492001||Nikhil Khiyani||9575711118|
|Nagpur||Nagpur||Home Finance||1st Floor, Plot No.8, WHC Road, Shankar Nagar, Dharampeth, Nagpur - 440010||Pankaj Kale||9881120205|
|Nasik||Nasik||Home Finance||Payas Thatte Nagar, Near Croma Showroom, College -Gangapur road, Link Road, Nasik - 422005||Anshuman Bakshi||7767006476|
|Ahmedabad||Ahmedabad||Home Finance||Unit No. 425-426, 4th Floor, Siddhivinayak, Shivaranjani Chaar Raasta, Satellite, Ahmedabad - 380015||Ketan Sheth||9825140410|
|Surat||Surat||Home Finance||K.G. Point, Ghod Dod Road, Near Ganga Palace, Surat - 395007||Sachin Shaktinandan||9099091235|
|Rajkot||Rajkot||Home Finance||Upper Ground Floor, Shri Nath Complex, Dr. Yagnik Road, Opp. Jilla Panchayat, Race Course Chowk, Rajkot - 360001||Paras Seladiya||9879584686|
You can borrow up to 90% (upto 80% for original loan between Rs. 20-75 Lacs, & 75% for original loan above Rs. 75 Lacs) of the cost of the property in case of Home Loan Balance Transfer.
Your repayment capacity as determined by Kotak Mahindra Bank will help decide how much you can borrow. Repayment capacity takes into consideration factors such as income, age, qualifications, number of dependent's, spouse's income, assets, liabilities, savings history and stability and continuity of occupation.
You can opt for a loan period of up to 20 years or outstanding tenure of the proposed loan to be taken over whichever is lower and can vary depending on your profile.
If you are an individual - your spouse, your parents, or even your major children can be your co-applicants. The co-owner of a property has to be a co-applicant, but a co-applicant need not be the co-owner of the property.