Competitive rates across multiple banks, with balance-transfer options if you're overpaying elsewhere.
Unlock funds against a property you already own, for business, education, or any large expense.
Working capital and expansion funding for proprietors, partnerships and companies.
Structured financing for larger, milestone-based projects, coordinated with the lender's disbursal schedule.
If your current rate is well above what lenders offer today, moving your loan can lower your EMI or shorten your tenure. A top-up can add funds on the same property. We help with streamlined documentation.
Check my transfer savingsWe help with plot and construction loans in NMC, NIT and NMRDA-sanctioned layouts and RL plots through our 10+ empanelled partner lenders. Approval depends on each lender's policy and your layout's approval status.
Ask about my plotWorking capital and business expansion funding against residential or commercial property in Nagpur, compared across partner banks and NBFCs.
Explore LAP optionsShare your basic details and loan requirement with us, online or on WhatsApp.
We guide you through exactly what each shortlisted lender needs — nothing extra.
We follow up with the lender on your behalf and keep you updated at each stage.
Once sanctioned, we coordinate the final paperwork through to disbursal.
Illustrative estimate only. Actual EMI depends on the lender's final sanctioned rate and terms.
Estimate before transfer costs. Processing fee, MODT/stamp duty, legal and valuation charges, and any prepayment charge on your current loan can reduce the saving. The new rate is the rate you enter, not an offer. Final rate, eligibility and fees are decided by the lender; offers are subject to terms and conditions.
Lenders typically calculate eligibility from your monthly income, existing EMIs, age, and the loan tenure, aiming to keep your total EMI outgo within 40-50% of income. Co-applicant income, credit score, and property value also affect the final sanctioned amount.
Standard documents include identity and address proof (PAN, Aadhaar), income proof (salary slips or ITRs for the self-employed), bank statements for the last 6 months, and property documents. Exact requirements vary slightly by lender.
A home loan is used specifically to buy or construct a home, while a Loan Against Property lets you borrow against a property you already own, for any purpose — business expansion, education, or other large expenses. LAP interest rates are usually slightly higher than home loan rates.
No. Kaizen Financial Services is paid a commission by the lending bank or NBFC, not by you, and there is no extra fee for our loan comparison and documentation support. We disclose this in our Terms and Conditions.
Many banks and housing finance companies lend against plots in approved layouts, but each lender has its own policy and checks that the layout is sanctioned (NMC, NIT or NMRDA) with a clear title. Kaizen Financial Services is empanelled with HDFC Bank, SBI, ICICI Bank, Union Bank, Central Bank of India, IDBI Bank, IDFC First Bank, Kotak Bank, Bajaj Finance, Sundaram Finance and Aditya Birla Housing Finance, and checks your plot and layout documents against these lenders' criteria before you apply.
It depends on the gap between your current and new rate, your outstanding balance and your remaining tenure. For example, on ₹50,00,000 outstanding for 15 years, moving from 8.75% to 7.25% (if a lender approves that rate) lowers the EMI from about ₹49,972 to about ₹45,643, saving roughly ₹7,79,272 over the tenure before transfer costs such as processing, legal and MODT charges. Use the Balance Transfer Savings Audit on this page to test your own numbers.
A bank branch can only offer its own products and rates. As an empanelled channel partner of 10+ banks and NBFCs, we compare several lenders against your income, credit score and property, prepare one set of documents and follow up with the lender for you. There is no extra fee to you because lenders pay us a commission, which we disclose in our Terms and Conditions. The lender makes the final decision.
Kaizen Financial Services