{"id":127,"date":"2026-07-18T13:44:35","date_gmt":"2026-07-18T13:44:35","guid":{"rendered":"https:\/\/borrowww.com\/blog\/?p=127"},"modified":"2026-07-18T13:44:35","modified_gmt":"2026-07-18T13:44:35","slug":"does-home-loan-balance-transfer-affect-your-cibil-score-myths-vs-facts","status":"publish","type":"post","link":"https:\/\/borrowww.com\/blog\/does-home-loan-balance-transfer-affect-your-cibil-score-myths-vs-facts\/","title":{"rendered":"Does Home Loan Balance Transfer Affect Your CIBIL Score? Myths vs Facts"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">You have found a lender offering a lower interest rate on your home loan. The savings look real. But one worry holds you back: <strong>will a home loan balance transfer affect your CIBIL score?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is a fair question. Your CIBIL score decides how easily you get credit in the future, and nobody wants to damage it while trying to save money. Unfortunately, a lot of half-true advice floats around on this topic. Some people will tell you a balance transfer wrecks your credit for years. Others claim it has no effect at all. Neither is correct.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here is the honest answer upfront: <strong>a home loan balance transfer usually causes only a small, temporary dip in your CIBIL score, and disciplined repayment brings it back, often stronger than before.<\/strong> In this guide, we break down exactly why that dip happens, bust the most common myths with facts, and show you how to protect your score at every step of the transfer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Is a Home Loan Balance Transfer?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/www.borrowww.com\/balance-transfer\">home loan balance transfer<\/a> means moving your outstanding home loan from your current lender to a new one, usually because the new lender offers a lower interest rate or better terms. The new lender pays off your remaining loan amount to your old bank. Your old loan account closes, and a fresh loan account opens with the new lender. You then repay your EMIs to the new lender.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why do borrowers switch? The reasons are usually practical:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lower interest rate: <\/strong>Even a 0.5% reduction can save lakhs over a long tenure.<\/li>\n\n\n\n<li><strong>Reduced EMI: <\/strong>A lower rate or revised tenure frees up monthly cash flow.<\/li>\n\n\n\n<li><strong>Top-up loan: <\/strong>Many lenders offer extra funds at home-loan rates during a transfer, which is far cheaper than a personal loan.<\/li>\n\n\n\n<li><strong>Better service: <\/strong>Faster processing, transparent repo-linked rates, and responsive support.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In short, a balance transfer is a home loan refinance in India, and it is one of the most effective EMI reduction tools available to existing borrowers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Understanding Your CIBIL Score<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CIBIL (TransUnion CIBIL) is India&#8217;s oldest credit bureau. It collects your loan and credit card history from lenders and converts it into a three-digit score between 300 and 900. The higher the score, the more reliable you look to lenders.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a general rule, a score of <strong>750 or above<\/strong> is considered strong and unlocks the best <a href=\"https:\/\/www.borrowww.com\/home-loan\">home loan interest rates<\/a>. Scores between 700 and 749 are decent, 650 to 699 gets a cautious look, and anything below 650 makes approvals harder.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your score is built from a few key factors, and not all of them carry equal weight:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Factor<\/strong><\/td><td><strong>Impact on CIBIL<\/strong><\/td><td><strong>What It Means for You<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Payment history<\/strong><\/td><td>High<\/td><td>Every EMI and card bill paid on time strengthens your score. Even one missed payment hurts.<\/td><\/tr><tr><td><strong>Credit utilisation<\/strong><\/td><td>High<\/td><td>Using a large share of your credit card limits signals stress. Stay below 30%.<\/td><\/tr><tr><td><strong>Credit age<\/strong><\/td><td>Medium<\/td><td>Older accounts help. Closing a long-running loan slightly reduces average account age.<\/td><\/tr><tr><td><strong>Credit mix<\/strong><\/td><td>Medium<\/td><td>A healthy mix of secured loans (home loan) and unsecured credit (cards) is a positive.<\/td><\/tr><tr><td><strong>Hard inquiries<\/strong><\/td><td>Low<\/td><td>Each formal loan application triggers a lender check. One inquiry has a minor effect; many in a short span look risky.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Notice something important in that table: the factors a balance transfer touches, such as hard inquiries and credit age, are the lower-impact ones. The factor it can strengthen, payment history, is the most powerful of all. This is the key to understanding everything that follows.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does Home Loan Balance Transfer Affect Your CIBIL Score?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Short answer: yes, but usually only temporarily, and only by a small margin.<\/strong> Here is what actually happens to your credit report during a transfer:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. The hard inquiry<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">When you formally apply for a balance transfer, the new lender pulls your credit report. This is recorded as a hard inquiry. A single hard inquiry typically shaves off only a few points, and its effect fades within a few months. It is the same inquiry you faced when you took your original home loan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. Closing the old loan<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Your original home loan account gets marked as closed. If it was one of your oldest accounts, your average credit age dips slightly. However, a properly closed loan with a clean repayment record remains on your report for years and continues to reflect positively on you.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. Opening the new loan<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">A brand-new loan account appears on your report with zero repayment history of its own. Scoring models treat very new accounts with mild caution until a payment pattern builds up.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4. The recovery<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This is the part myth-spreaders skip. Once you start paying EMIs to the new lender on time, your payment history, the highest-impact factor, keeps compounding in your favour. Most borrowers see their score return to normal within three to six months of regular payments, and often improve beyond the original level because the lower EMI reduces overall financial stress.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top Myths vs Facts About Balance Transfer and CIBIL<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Let us clear the air. These are the eight claims we hear most often, lined up against what actually happens:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Myth<\/strong><\/td><td><strong>Fact<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>A balance transfer ruins your CIBIL score forever.<\/strong><\/td><td>The dip is temporary. With timely EMIs, most scores recover within three to six months.<\/td><\/tr><tr><td><strong>Every transfer drops your score drastically.<\/strong><\/td><td>The impact is typically small, often quoted in the range of just 5 to 10 points, and short-lived.<\/td><\/tr><tr><td><strong>The new lender will see you as a risky borrower.<\/strong><\/td><td>Lenders evaluate your full profile: income, repayment record, and property value, not just the transfer itself.<\/td><\/tr><tr><td><strong>Closing the old loan erases your good repayment history.<\/strong><\/td><td>Closed accounts with clean records stay on your credit report for years and keep helping your score.<\/td><\/tr><tr><td><strong>Checking balance transfer offers hurts your score.<\/strong><\/td><td>Comparing rates online or checking your own score is a soft inquiry. Only formal applications trigger hard inquiries.<\/td><\/tr><tr><td><strong>You cannot transfer a loan if your score is below 750.<\/strong><\/td><td>Many lenders approve transfers for scores of 700 or even lower, though the rate offered may be less attractive.<\/td><\/tr><tr><td><strong>A balance transfer is financially risky.<\/strong><\/td><td>Managed well, it lowers your interest burden, improves cash flow, and makes EMIs easier to pay on time, all good for your credit.<\/td><\/tr><tr><td><strong>Multiple balance transfers are banned and flagged on CIBIL.<\/strong><\/td><td>There is no legal limit. Each transfer is a fresh application, and it only makes sense when savings clearly beat costs.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">When Can a Balance Transfer Actually Reduce Your Credit Score?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To be fair, there are real situations where a transfer done carelessly can hurt. Watch out for these:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Applying to many lenders at once. <\/strong>Five applications means five hard inquiries in a short window, which scoring models read as credit hunger.<\/li>\n\n\n\n<li><strong>Missing an EMI during the switchover. <\/strong>The transition between lenders takes two to four weeks. If an EMI falls through the cracks, the late payment mark hurts far more than the transfer itself.<\/li>\n\n\n\n<li><strong>Getting rejected. <\/strong>A rejection does not directly cut your score, but the hard inquiry stays, and repeated apply-reject cycles create a poor pattern.<\/li>\n\n\n\n<li><strong>Taking a large top-up you cannot comfortably repay. <\/strong>Extra debt raises your obligations. If it strains your monthly budget, missed payments follow.<\/li>\n\n\n\n<li><strong>Frequent transfers in quick succession. <\/strong>Switching lenders every year keeps resetting your credit age and stacking inquiries without giving savings time to materialise.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">How to Protect Your CIBIL Score During a Balance Transfer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A little planning removes almost all the risk. Run through this checklist before and during your transfer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check your own CIBIL report first (self-checks are soft inquiries and free once a year), and dispute any errors before applying.<\/li>\n\n\n\n<li>Compare lenders thoroughly online before applying anywhere, so you shortlist one or two, not five.<\/li>\n\n\n\n<li>Apply selectively to the single best-fit lender instead of carpet-bombing applications.<\/li>\n\n\n\n<li>Continue paying your existing EMI without fail until the new lender confirms the old loan is closed.<\/li>\n\n\n\n<li>Keep credit card utilisation below 30% in the months around your application.<\/li>\n\n\n\n<li>Collect the loan closure letter and No Objection Certificate (NOC) from your old lender, and confirm the account shows as &#8220;Closed&#8221; on your credit report after 30 to 45 days.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Benefits of a Home Loan Balance Transfer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Done at the right time, the balance transfer benefits go well beyond the interest rate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lower interest rate: <\/strong>Moving from an older benchmark to a competitive repo-linked rate can cut your rate meaningfully.<\/li>\n\n\n\n<li><strong>Reduced EMI: <\/strong>A smaller monthly outgo eases household budgets immediately.<\/li>\n\n\n\n<li><strong>Flexible tenure: <\/strong>You can shorten the tenure to save interest, or extend it to lower the EMI.<\/li>\n\n\n\n<li><strong>Top-up loan access: <\/strong>Fund a renovation, education, or debt consolidation at home-loan rates.<\/li>\n\n\n\n<li><strong>Improved cash flow: <\/strong>Monthly savings can go into investments, prepayments, or an emergency fund.<\/li>\n\n\n\n<li><strong>Better loan features: <\/strong>Digital servicing, transparent rate resets, and responsive customer support.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">And here is the credit angle most people miss: a more affordable EMI is easier to pay on time, every time. That consistency is precisely what helps you improve your CIBIL score over the long run.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When Should You Consider a Balance Transfer?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A transfer makes sense when the numbers and the timing line up. Strong signals include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The new rate is at least 0.5% lower than your current rate.<\/li>\n\n\n\n<li>You have a long remaining tenure, ideally three years or more, so savings outweigh switching costs.<\/li>\n\n\n\n<li>Your credit score has improved since you took the original loan, making you eligible for better pricing.<\/li>\n\n\n\n<li>Your current lender has not passed on recent rate benefits, or your loan is still on an older MCLR or base-rate benchmark.<\/li>\n\n\n\n<li>You need a top-up loan and your existing lender&#8217;s offer is not competitive.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you are unsure, run your numbers through a <a href=\"https:\/\/www.borrowww.com\/loan-emi-calculator\">break-even calculation<\/a>: divide total switching costs by monthly EMI savings. If your remaining tenure is comfortably longer than the break-even period, the transfer is worth pursuing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Common Mistakes to Avoid<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Even a good transfer can go wrong on execution. Avoid these traps:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ignoring processing fees and charges. <\/strong>Processing fees, legal and valuation charges, and stamp duty on the mortgage deed add up. Factor in every cost, plus GST at 18% on fees.<\/li>\n\n\n\n<li><strong>Focusing only on the EMI. <\/strong>A lower EMI stretched over a longer tenure can mean paying more total interest. Compare total outgo, not just the monthly number.<\/li>\n\n\n\n<li><strong>Missing EMIs during the transition. <\/strong>The single most damaging mistake for your CIBIL score. Keep paying until closure is confirmed in writing.<\/li>\n\n\n\n<li><strong>Applying to many lenders simultaneously. <\/strong>Shortlist first, apply once.<\/li>\n\n\n\n<li><strong>Not checking foreclosure terms. <\/strong>Floating-rate home loans for individuals carry no foreclosure or prepayment penalty under RBI rules, but confirm how your specific loan is classified before you proceed.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">The Balance Transfer Process, Step by Step<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Check your CIBIL score and credit report, and fix any errors.<\/li>\n\n\n\n<li>Compare lender offers and calculate your break-even period.<\/li>\n\n\n\n<li>Apply to your chosen lender with KYC, income proof, and loan statements.<\/li>\n\n\n\n<li>Receive the sanction letter and request a foreclosure letter from your current lender.<\/li>\n\n\n\n<li>Let the new lender complete legal and technical verification of the property.<\/li>\n\n\n\n<li>The new lender disburses the amount and closes your old loan.<\/li>\n\n\n\n<li>Collect your NOC and original property documents from the old lender.<\/li>\n\n\n\n<li>Verify on your credit report that the old account shows &#8220;Closed&#8221;, then continue timely EMIs with the new lender.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">How Borrowww Helps You Transfer Your Home Loan<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is exactly where Borrowww simplifies things. Instead of approaching five banks and collecting five hard inquiries, you compare offers from trusted lending partners in one place, with expert guidance at every step.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compare balance transfer offers from leading banks and housing finance companies side by side.<\/li>\n\n\n\n<li>Use the free <a href=\"https:\/\/www.borrowww.com\/balance-transfer\">Balance Transfer Calculator<\/a> to see your monthly and total savings before you commit.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.borrowww.com\/credit-check\">Check your credit score for free<\/a>, so you apply with confidence.<\/li>\n\n\n\n<li>Get end-to-end documentation support and faster approvals with personalised assistance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you have been putting off a transfer because of CIBIL worries, the smarter move is to check your numbers first. Visit <a href=\"https:\/\/www.borrowww.com\/balance-transfer\">Borrowww&#8217;s Home Loan Balance Transfer page<\/a>, run the calculator, and see what switching could actually save you, with your credit score protected throughout.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frequently Asked Questions<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Does a home loan balance transfer reduce my CIBIL score?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">It can cause a small, temporary dip due to the hard inquiry and account changes. With timely EMI payments, the score typically recovers within three to six months.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Is a home loan balance transfer worth it?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, if the rate difference is around 0.5% or more, your remaining tenure is at least three years, and total savings clearly exceed switching costs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How much does the CIBIL score drop after a balance transfer?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">There is no fixed number, but a single application usually costs only a few points, often cited in the 5 to 10 point range, and the effect is short-lived.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Can I transfer my home loan with a 700 CIBIL score?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. A 700 score is acceptable to many lenders, though a 750-plus score gets you the most competitive interest rates.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Does every lender perform a hard inquiry?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, any formal loan application involves a hard credit check. Comparing offers online or checking your own score does not.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How long does the score take to recover?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">For most borrowers, three to six months of on-time EMIs with the new lender restores the score to its earlier level or better.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Can a balance transfer improve my finances?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Lower interest reduces total outgo, a smaller EMI improves monthly cash flow, and consistent repayment strengthens your credit profile.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How many balance transfers are allowed?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">There is no legal limit, but each transfer involves fresh costs and verification, so switch only when the savings genuinely justify it.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Should I transfer if interest rates fall further?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">First ask your current lender for a rate revision, which often needs only a small conversion fee. If they refuse or the gap stays wide, a transfer makes sense.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Can I get a top-up loan with a balance transfer?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, most lenders offer top-up loans during a transfer at rates close to your home loan rate, much cheaper than a personal loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Conclusion<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">So, does a home loan balance transfer affect your CIBIL score? Yes, briefly and mildly. The hard inquiry and account changes cause a minor, temporary dip. But the long-term picture favours the disciplined borrower: lower interest, a lighter EMI, and a repayment record that keeps strengthening the most important factor in your score.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The real risks are avoidable ones: scattering applications across lenders, missing an EMI mid-transfer, or ignoring the fine print on costs. Handle those, and a balance transfer becomes one of the safest financial optimisations you can make.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You have found a lender offering a lower interest rate on your home loan. The savings look real. But one [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[7,8,9],"class_list":["post-127","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-balance-transfer","tag-cibil-score","tag-home-loan-balance-transfer"],"_links":{"self":[{"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/posts\/127","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/comments?post=127"}],"version-history":[{"count":1,"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/posts\/127\/revisions"}],"predecessor-version":[{"id":129,"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/posts\/127\/revisions\/129"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/media\/128"}],"wp:attachment":[{"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/media?parent=127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/categories?post=127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/borrowww.com\/blog\/wp-json\/wp\/v2\/tags?post=127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}