Balance Transfer Facility
Powered by FundOcean
Balance Transfer allows borrowers to shift their existing loan or credit facility from one lender to another offering better interest rates, improved terms, or additional funds. Whether it’s a personal loan, overdraft, home loan, or mortgage loan, FundOcean ensures a seamless, fast, and transparent transfer process to help you save more and stress less.
Personal Loan
Key Features
- Reduced interest rates (from 13–24% to 10.5–14%)
- Flexible tenure extension or reduction
- Option for top-up amount
- Quick online application via FundOcean
Benifits
- Save on total interest payout
- Reduce EMI burden
- Access additional funds without new loan
- Improve credit score with timely repayments
Overdraft Facility Balance Transfer
Key Features
- Shift overdraft to banks/NBFCs offering lower interest
- Maintain working capital with reduced cost
- No change in credit limit or usage style
- Easy documentation with FundOcean’s assistance
Benefits
- Lower borrowing cost
- Better cash flow management
- Access to enhanced limits or terms
- Efficient fund utilization
Home Loan Balance Transfer
Key Features
- Interest rate as low as 7.6% with select lenders
- Tenure of up to 30 years
- Top-up loan available up to ₹50L or more
- No prepayment/foreclosure charges (floating rate loans)
Benefits
- Huge savings on interest over loan life
- Reduce EMI or shorten repayment tenure
- Tax benefits on top-up loan if used for home improvement
- Better service and transparency through FundOcean
Mortgage Loan (Loan Against Property) Balance Transfer
Key Features
- Transfer at lower interest (9%–11.5% range)
- Loan amount up to 70%–75% of property value
- Top-up available for business or personal needs
- Property ownership retained
Benifits
- Property ownership retained
- Property ownership retained
- Combine high-cost loans into one manageable EMI
- Continue using the pledged property
Why Choose FundOcean
Experienced Advisors
Tailored Solutions
PAN-India Coverage
Safe & Transparent Process
Goal-Oriented Approach
Why Choose FundOcean for Balance Transfer?
- Free Loan Evaluation & Savings Report
- End-to-End Transfer Assistance
- Negotiation with Lenders on Your Behalf
- Fast Disbursal with Minimum Paperwork
- Access to Top-Up Without a Separate Loan
BT Loans from FundOcean: Top Benefits
Reduced Interest Rates
Shift your current loan to FundOcean and pay less interest— saving you a huge amount over the tenure of the loan.
Reduced EMI Outflow
Lower interest means lower EMIs. That means more space in your monthly budget without compromising your financial security.
Flexible Repayment Tenure Options
We provide loan tenures between 12 and 84 months at FundOcean so you can match your EMI with your salary and lifestyle.
Top-Up Loan Facility
Running low on money? Taking a BT Loan enables you to avail an overlimit loan facility along with your current outstanding balance, relieving your need for more funds.
Better Loan Management
With the switch to FundOcean, you have the luxury of merging multiple loans into a convenient EMI, easing your financial burden.
Eligibility for BT Loan
- Age :21-60 years
- Work: Salaried (minimum 1 yr work experience) or Self-employed (minimum 2 yrs business existence)
- Minimum Loan Outstanding: ₹1 lakh
- Repayment Record : No defaults or dishonoured EMIs in the previous 12 months
- Credit Score:675 and higher
Document Requirements
To ensure that your balance transfer is hassle-free, FundOcean needs minimal documentation:
Documents accepted across the board:
These documents are mandatory for both salaried and self-employed individuals:
For Salaried Customers:
If you are a salaried individual, you’ll also need to provide:
For Self-Employed Customers:
If you’re self-employed, these additional documents are required:
Step-by-Step Guide to Apply for a BT Loan with FundOcean
Loan Review
Rate Quotation
Documentation & Application
Loan Transfer Approval
Top-Up Disbursal (If Applicable)
Start Fresh
Why Select FundOcean for Your Balance Transfer Loan?
- Competitive Rates of Interest
- Rapid Process & Disbursal
- 100% Transparency—No Additional Charges
- Personal Expert Guidance at Every Step
- Flexible Top-Up Facility
Choose FundOcean, and you choose to be financially free. We aim to assist you in saving more and repaying wiser. If you’re stuck under burdensome EMIs, it’s the time to switch over to FundOcean and feel empowered by smarter lending.
Need Help?
If you are unsure whether you are eligible or need assistance please see our customer support at FundOcean who will guide you through every step. Call us today and allow us to reduce your cost with a tailored BT Loan solution.