Three years ago, I borrowed home loan for Rs. 45 lakhs. Many times I have prepaid huge amount to reduce my loan. Outstanding loan amount is Rs. 20 lakhs. Now, I want a top-up loan of Rs. 10 lakhs but I don’t want to increase my EMIs. This can be done if the bank allows me to change the loan tenure, which unfortunately they are not agreeing. SBI has accepted to transfer the loan to their bank, give a top-up, extend the loan tenure and to keep EMIs in my budget. Should I transfer my loan to SBI?