As a banker, I can tell you: 60–70% of customers who formally request a rate review get at least a 0.25% reduction. The remaining 30–40%? Most had weak repayment history or did not follow up properly. Almost nobody gets a flat “no” — if they ask the right way. Banks lose money when you transfer […]
How to Negotiate a Lower Home Loan Rate with Your Existing Bank and Save ₹3–8 Lakhs Read More »
Mistake #5 is the one I find most frustrating — borrowers leave ₹30,000–₹50,000 on the table without even asking their existing bank to match the competing rate. A 10-minute conversation can often capture most of the transfer benefit without any of the transfer costs. A balance transfer, done right, saves ₹6–14 lakhs. Done wrong, it
5 Home Loan Balance Transfer Mistakes That Could Cost You ₹2–6 Lakhs Read More »
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