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Home Loan @ 8.35%* p.a.
Repayment Period - Upto 30 years | Interest Rate - 8.35% - 9.50% p.a. | Loan Amount - Minimum - 10L to Maximum - 25Cr | Maximum Loan - Upto 95% of Loan Amount
  • Buy Ready Property LIC Home Loan -
  • Buying a Home is the costliest purchase in one's life and it is equally important to choose a Home Loan partner who will look beyond loan transactions. Typically Home loans being 20-30 years tenure, the terms should be easy to understand and process simplified with utmost transparency. It’s that sense of security one feels when taking loan from LIC HFL.
  • • Loan Amount : Min.Rs.1,00,000/-
  • • Loan to Property cost : 85% of total cost of the property for loans up to 20 Lacs; 80% of total cost of the property for loans above 20 Lacs and up to 75 Lacs ;75% of total cost of the property for loans above 75 lacs
  • • Loan Term : Maximum term - For Salaried - 30 years, for self employed 20 Years
  • • Rate of Interest : 8.35%* p.a. Onwards
  • Underconstruction Property LIC Home Loan -
  • • Loan Amount : Min.Rs.1,00,000/-
  • • Loan to Property cost : 85% of total cost of the property for loans up to 20 Lacs; 80% of total cost of the property for loans above 20 Lacs and up to 75 Lacs ;75% of total cost of the property for loans above 75 lacs
  • • Loan Term : Maximum term - For Salaried - 30 years, for self employed 20 Years
  • • Repayment Mode : Equated Monthly Installments (EMI) - Monthly Rest Basis
  • • Rate of Interest : 8.35%* p.a. Onwards
  • Home Extension LIC Home Loan -
  • • Loan Amount : Min.Rs.1,00,000/-
  • • Loan to Property cost : 85% of total cost of the property for loans up to 20 Lacs; 80% of total cost of the property for loans above 20 Lacs and up to 75 Lacs ;75% of total cost of the property for loans above 75 lacs
  • • Loan Term : Maximum term - For Salaried - 30 years, for self employed 20 Years
  • • Repayment Mode : Equated Monthly Installments (EMI) - Monthly Rest Basis
  • • Rate of Interest : 8.35%* p.a. Onwards
  • Repairs/Renovation LIC Home Loan -
  • • Loan Amount : Min.Rs.1,00,000/-
  • • Loan to Property cost : 85% of total cost of the property for loans up to 20 Lacs; 80% of total cost of the property for loans above 20 Lacs and up to 75 Lacs ;75% of total cost of the property for loans above 75 lacs
  • • Loan Term : Maximum term - For Salaried - 30 years, for self employed 20 Years
  • • Repayment Mode : Equated Monthly Installments (EMI) - Monthly Rest Basis
  • • Rate of Interest : 8.35%* p.a. Onwards
  • LIC Home Loan for Plot Purchase -
  • • Purpose : Loan for purchase of residential plotfrom statutory authorities
  • • Loan to Property cost : 75% of the property value
  • • Loan Term : Maximum term - 15 Years
  • • Rate of Interest : 8.35%* p.a. Onwards
  • Transfer or Top-Up LIC Home Loan -
  • • Purpose : Takeover of existing loan from other Financial Institution/Banks
  • • Loan Term : Maximum 30 Years for Salaried and Maximum 20 Years for Business
  • • Rate of Interest : 8.35%* p.a. Onwards
  • LIC HFL Home loans exciting features -
  • • Skilled Professionals to guide you through the process by providing door step service
  • • Pan India presence and overseas offices at Dubai & Kuwait.
  • • Competitive Interest Rates
  • • Different loan schemes to suit your needs such as loans for Construction / Purchase / Repairs / Renovation / Extension / Plot purchase / Loan against Property / Loans to Professionals etc.
  • • Loan Approval based on your financials to help you choose property as per your Budget
  • • No hidden cost
Home loans have longer tenure range between minimum 2 years to maximum 30 years. Depending upon the individual applicant`s profile and lender, the APR (Annual Percentage Rate) of a home loan may vary from 8.35% - 9.50% annually. For Example, If you take a home loan of Rs. 10 lakh at rate of 8.35% with tenure of 30 years, then your EMI amount will be Rs. 7,583. The total payable amount at the end of 30 years would be Rs. 27,29,910/-. Therefore, you`ll be paying total interest amount of Rs. 17,29,910/-.