Balance Transfer
Lower your cost. Upgrade your loan.
- Use caseHome / LAP
- BenefitLower rate + top-up
- SwitchAcross 40+ lenders
About this product
Why clients choose Viva Capital for BT.
Move your existing home or LAP loan to a lender offering a sharper rate, longer tenure, or a meaningful top-up. We compare offers across our lender panel and run the switch end-to-end.
What we offer
Key features
- Rate reduction on existing facilities
- Top-up component without re-documenting collateral
- Tenure extension to lower EMI
- Foreclosure cost vs. interest saving worked out upfront
Who can apply
Basic eligibility
- Existing loan with 12+ months of clean repayment
- Property / business / salary profile per source facility
- Foreclosure-friendly terms on the existing loan
Keep ready
Documents required
- Existing sanction letter + repayment schedule
- Last 12 months EMI statement
- Updated KYC + income proof
- Property / asset documents (for secured BT)
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
