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A British banker, jailed for life in Hong Kong last year for the murder of two Indonesian women he tortured and raped in his luxury apartment, is due to launch an appeal on Tuesday. Finance > Insurance > Home InsuranceSteps to Follow for Home Loan Balance Transfer to a New Bank.
Posted by anuragmishra in Finance on April 6th, 2017
Transferring your home loan balance is an option if you think that you can get the same at a lower interest rate from a new bank than the former. You may transfer the home loan for various reasons (financial causes, unsatisfactory customer service from the existing bank etc.) cheap air max 95 , but doing it the right way is what we are going to explain in the following post.
1. Analyze the Cost Benefits
Here is how you can judge the viability of your home loan balance transfer as per the cost benefits:
If the loan is set on a high floating interest rate, then it is best to get it transferred to a lower interest rate.But, if the loan is based on a fixed interest rate, then you may have to pay a pre-payment penalty for the transfer, and thus it is unadvisable to go through home loan transfer in such cases.If the home loan is on long repayment tenure cheap air max 97 , then the transfer can bring higher cost benefits.Understand the other charges and costs in the loan transfer process, such as those required for documentation, processing fee, Stamp Duty and others.