Within 3 months I want to transfer my home loan from HDFC Ltd. to SBI. At the time of taking loan, HDFC manager told me that I can pay online whereas as per the present situation every time I need to visit branch for paying EMIs. Apart from that there is restriction on prepaying. At the most I can prepay twice in a year. If I transfer my loan, I will be able to save 0.2%. What will you recommend me to do?