Source: https://awesomecalcs.com/home-loan-balance-transfer-calculator/2500000-loan-9-25-to-8-75-percent
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# Home Loan Balance Transfer: 25 Lakh from 9.25% to 8.75%

> A 25 lakh outstanding home loan over 10 years switching from 9.25% to 8.75%: check if it clears the break-even point.

Interactive calculator: https://awesomecalcs.com/home-loan-balance-transfer-calculator/2500000-loan-9-25-to-8-75-percent

Keywords: home loan balance transfer 25 lakh, short tenure home loan refinance

## Scenario inputs

```json
{
  "inputs": {
    "outstandingPrincipal": 2500000,
    "remainingTenureMonths": 120,
    "currentAnnualRate": 9.25,
    "newAnnualRate": 8.75,
    "processingFeeType": "amount",
    "processingFeeValue": 12500,
    "otherTransferCosts": 10000,
    "isFloatingRate": true,
    "prepaymentPenalty": 0
  }
}
```

## Frequently asked questions

### Does a shorter remaining tenure make switching riskier?

Yes, with fewer months left the lower EMI has less time to recover the switching cost, so the break-even period matters more than usual for loans nearing payoff.