Home Loan Balance Transfer Explorer

Both loans use the same outstanding principal and remaining term, rounded to whole months. EMI uses the reducing-balance formula with annual nominal rate divided by 12. Rates remain constant. Fees are paid upfront, not borrowed. Payment break-even is the first whole month when cumulative EMI differences cover entered fees; it is not a discounted investment return. Actual lender EMIs, charges, eligibility, tax effects and valuation can differ. Positive differences mean lower modeled transfer cost; negative differences mean higher cost.