Balance Transfer & Top-Up

Refinancing and additional funding across your existing loans.

Overview

Refinance for Better Terms

If your existing loan's terms no longer suit you — or you need additional funds on top of an existing loan — a balance transfer or top-up may help. FINCON CAPITAL helps you evaluate whether refinancing makes sense and coordinates the transfer with a new lender.

Balance transfer savings depend on your outstanding tenure, rate differential, and any applicable transfer/processing fees — evaluate the full cost before switching.

Balance Transfer Savings Calculator

Balance Transfer & Top-Up Options

Home Loan Balance Transfer

LAP Balance Transfer

Business Loan Balance Transfer

Personal Loan Balance Transfer

Eligible Top-Up Facilities

When to Consider

Signs Refinancing May Help

Your current interest rate is notably higher than prevailing market rates.
Your credit profile has improved since the original loan.
You need additional funds and have built repayment history (top-up).
A significant portion of your tenure remains (so interest savings outweigh transfer costs).

We help you run the numbers before deciding — a balance transfer only makes sense once processing/foreclosure fees are factored in.

FAQ

Common Questions

Typically yes — foreclosure charges on the old loan and processing fees on the new one may apply, varying by lender.

Yes, many lenders offer a top-up loan combined with balance transfer, subject to eligibility and the new lender's policy.

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Related Financing

Curious if refinancing could save you money?

Free, no-obligation consultation with our advisory team.

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Loan & financing products are subject to lender eligibility, documentation and approval. FINCON CAPITAL does not guarantee sanction, interest rate or disbursement. Read full disclaimer