A "low interest" loan shouldn't mean you have very little interest in paying it back!
  • LIC Housing Home Loan

    LIC Home Loan
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    LIC Housing Finance Limited (LIC HFL) is an Indian housing finance company having its Registered and Corporate office at Mumbai. It provides housing loans to individuals, builders, development authorities, employers organisations, etc. LIC was founded in 1989. It has 7 regional offices, 13 back-offices and 181 marketing units across India. LIC has different loan product like Home Loan, Corporate Loan, Builders/ Developers. Home Loans in LIC even lends loan to resident as well as non resident for purchase, Construction, Extension and even to repair your houses. LIC HFL offers eligible customers instant e-approval on home loan applications on BankBazaar.com. View details below


    You’re probably eligible for an LIC Home Loan if you are

    01
    02
    03
    04
    LIC Home Loan Minimum Age

    At least 22 years old

     LIC Home Loan Maximum Age

    Less than 65 years old

    LIC Home Loan Eligible Employment Type

    Salaried / Self-employed
    with regular income

    LIC Home Loan Minimum Income

    Earn more than the minimum
    income required


    Your LIC Home Loan amount eligibility is based on these factors

    01
    02
    03
    LIC Home Loan Minimum Salary

    EMI limited to about 50%
    of monthly income

    LIC Home Loan Maximum Loan to property value

    Loan capped @ 85%
    of property value

    LIC Home Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible LIC Home Loan amount by these steps

    01
    02
    03
    LIC Home Loan Add Spouse as Co-applicant

    Make your spouse a co-applicant,
    and her income will add
    to your eligibility

    LIC Home Loan Maximum Tenure

    Choose longer tenure loan up to 30 years

    LIC Home Loan Add parents as Co-applicant

    Alternatively add your parents


    Documentation needed to apply for an LIC Home Loan

    • 1. Signed application form with photograph
    • 2. ID and residence proof
    • 3. Processing fee cheque
    • 4. Last 6 months bank statements
    • 5. Documentation for salaried applicants:

      - Last 3 months salary-slips

      - Form 16 or Income Tax Returns

    • 6. Documentation for self-employed applicants:

      - Education qualification certificate & proof of business existence

      - Last 3 years Income Tax Returns with computation of Income

      - Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account


    LIC Home Loan Interest RatesUpdated on 08 Jul 2015

    LIC Home Loan Details
    Interest Rate (Floating) 9.90% to 10.00%
    Processing Fees 0.50% of the loan amount
    Loan Tenure 5 years to 30 Years
    Guarantor Requirement No guarantor required
    Pre Closure Charges Nil
    Pre Payment Charges Nil

    LIC Housing Finance Home Loan – Overview:

    LIC HFL or LIC Housing Finance Ltd., was formed in 1989 by the Life Insurance Corporation of India (LIC). The company has, since its inception, grown to become a leading institution in the home loan market. Monitored by the National Housing Bank (NHB), LIC HFL Home Loan offers long-term finance to its customers to help fulfil their varied housing needs. Listed on the NSE and BSE, and headquartered in Mumbai, the company has representation in the Middle East with offices at Dubai and Kuwait.


    One of LIC HFL’s key strengths is its impressive distribution network; arguably one of the largest amongst its peers, marking its presence across India.

    LIC HFL Home Loans:

    Home Loans from LIC Housing Finance Limited are offered to customers at very attractive interest rates. They come with great features including minimal documentation, quick processing times and quick approvals and disbursals. The entire process of obtaining a loan from LIC home loan is simple and easy to understand and track. Customers also have the added advantage of clarity through a transparent cost structure.


    These loans are designed around the needs and financial position of borrowers. Customers can avail funding for varying tenures customised to suit their requirements based on their individual servicing capacities.


    Funds obtained through these schemes can be used to fund a variety of purposes like purchases, construction, renovation etc.


    The company reaches out to different kinds of customer classes. Its housing finance products are tailored to suit the needs of individuals as well as groups; retail borrowers as well as corporate borrowers; resident as well as non-resident Indians. The company also meets the funding requirements of builders, developers and development authorities.


    Besides home loans, LIC Housing Loan offers different types of secured personal loans. Funds so raised are provided against specific assets, depending on the scheme chosen.

    LIC Home Loans are broadly categorised as…

    • Home Loans - offered to resident Indians, non-resident Indians and pensioners.
    • Corporate or Project Loans - offered to corporates and builders.
    • Other Loans - offered as secured personal loans against properties, loans against securities, loans to professionals, loans under rental securitization. These can be used to top-up home loans for additional financing.

    LIC Home Loans to Resident Indians:

    These LIC HFL loans are offered to borrowers who are residents of India, seeking home financing for purchase, construction, extension, renovation, land purchase, refinance or additional funding (top-up loans).


    Purchase, Construction, Extension, Renovation:

    Under this scheme:
    • The minimum loan amount that can be availed is Rs.1 lakh.
    • The maximum loan amount that can be availed is based on the amount of funding required and the value of the property funded, where property value includes registration charges and stamp duty.
    Funding Required Margin of Finance
    Up to Rs.20 lakhs 85%
    Rs.20 lakhs to Rs.75 lakhs 80%
    Rs.75 lakhs above 75%

    Depending on borrowers’ job profiles and loan servicing abilities, the maximum tenure offered is 30 years for salaried borrowers and 20 years for self-employed borrowers. These loans are to be repaid in equal parts, every month, over the period of the loan i.e. through EMIs (equated monthly instalments).

    Interest will be calculated on a monthly-reducing balance basis according to rates as at the time of application.

    Borrowers may be required to pay additional fees.


    Land Purchases:


    Funding under this scheme is offered to borrowers seeking to buy plots of land for residential purposes. Plots, in this case, are those sold by statutory/government authorities.

    The amount of funding that can be availed, under this scheme, depends on the value of the plot being purchased. A maximum of 75% of the property value may be approved for eligible borrowers.

    Loans disbursed, for this purpose, can be repaid over a tenure of 15 years (maximum) in equal monthly instalments (EMIs). Interest will be calculated on a monthly-reducing balance basis, charged at rates prevalent at the time of obtaining the loan.

    Additional amounts may be charged upfront.


    Refinance or Top-UPS:


    Borrowers can switch from their current lender to LIC HFL, who will take over the existing loan on the following terms:

    • The new loan tenure offered will be a maximum of 30 years or 20 years for salaried or self-employed persons, respectively, at rates prevailing at the time of takeover.
    • Borrowers may be liable to pay additional fees.

    LIC Home Loans To Non-Resident Indians (NRIs):

    These LIC Home loans are offered to borrowers considered Non-Resident Indians (NRIs) or Persons of Indian Origin (PIO). It is available to salaried persons only and for the following purposes:

    Purchase, construction, extension, repair of homes or purchase of residential land plots from statutory or government bodies.

    Under this scheme:
    • Borrowers can avail minimum funding of Rs.1 lakh.
    • Loan amounts will be approved and disbursed on the basis of the value of the property funded (inclusive of registration charges + stamp duty).
    Funding Required Margin of Finance
    Up to Rs.20 lakhs 85%
    Rs.20 lakhs to Rs.75 lakhs 80%
    Rs.75 lakhs above 75%
    Purchase of residential plot 75%

    For professionally qualified borrowers, the maximum tenure offered is 20 years. For others, it is capped at 15 years. Loan payments are made in equal monthly instalments or EMIs. Interest is calculated based on monthly rests, as per rates specified by the company at the time of borrowing.

    The company may charge certain fees, payable upfront.

    LIC Home Loans to Pensioners:

    These loan schemes are designed for pensioners seeking housing finance for purchase, construction or extension of new/existing homes.


    Before Retirement:


    This loan can be availed by people over the age of 50 years provided they are covered under a pension scheme post retirement.

    The maximum term allowed is 15 years, for borrowers up to the age of 65 years. For those over 65 years of age the loan will have to be repaid before the borrower turns 70.

    Funds so obtained will have to be repaid out of the borrower’s retirement benefits and pension; based on the amount of pension the borrower qualifies for on retirement.


    Post Retirement:


    This scheme can be availed by retirees who are covered under a pension scheme and can prove regular pension income. Borrowers will have to name a suitable guarantor to assure repayment of the loan in case of default or inability to service the loan.

    Loan periods are determined based on the age of the borrower at the time of obtaining the loan. The borrowed amount, including interest and other charges, will have to be repaid before the borrower turns 70 years.

    If funds are obtained through this scheme, borrowers cannot then commute his/her pension.

    LIC Corporate Home Loans:

    LIC Home Loan extends loans to corporates to provide employee housing quarters. Alternatively, corporates can also avail credit from LIC HFL to provide housing financial assistance to their employees.


    Staff Quarters:


    Finance can be obtained under this scheme by public companies, to either purchase or construct residential quarters, to be provided to their employees. The loan has to be secured by creating a charge on assets of equitable value.

    The amount borrowed has to be repaid in EMIs calculated on the basis of interest rates prevailing upon application.


    Line of Credit ‘To’


    This is designed to help companies offer housing finance to their employees. LIC HFL grants loans based on the number of employees a borrowing company has to provide housing finance to. Funds so obtained by the company, have to be disbursed to said employees within 15 days of receipt from LIC HFL.

    The onus of repaying amounts borrowed lies with the borrowing company. However, employees receiving these funds are required to provide a deed of guarantee or mortgage the property so financed, as security, favouring their employer i.e. the borrowing company.


    Line of Credit ‘Through’


    This mode of finance is offered to companies who do not have a specific company housing scheme set up for its employees. Employees are, however, recommended by their company to LIC HFL for loans to fund construction of homes.

    While the borrower-employees will be liable to make full repayment, the employer/company will have to act as guarantor, to make good any defaults in payment. An agreement will have to be drawn up to this effect between the borrower-employee and the employer/company.

    Additionally, employees borrowing funds under this scheme, will be required to secure the loans, by mortgaging the properties so financed, in favour of LIC HFL.

    Loan repayments will have to be made via deductions from the borrower-employee’s salary.


    LIC HFL Loans to Builders / Developers:

    LIC HFL helps builders and developers meet their operational financing needs.


    Construction Finance Loan:


    Under this scheme, builders or developers can avail funds to either construct or develop properties, for residential or commercial purposes. The property, so financed, will have to be mortgaged in favour of LIC HFL to secure the loan. Additionally, a guarantee to further secure the loan may be required.

    The loan will have to be repaid through an escrow account over a period of 6 months to 5 years, depending on the servicing capabilities of the borrower.

    The loan is disbursed to the borrower in stages based on construction/completion.


    Term Loan:


    Through this scheme, builders/developers can obtain funds to finance short-term and medium-term business needs. These secured loans are offered for tenures of 6 months to 3 years.

    Loan amounts are disbursed either in a lump-sum or in stages depending on the borrower’s requirement. They are also disbursed based on security provided by the borrower. Some acceptable forms of security are mortgaging the property so financed and/or pledging amounts receivable by the borrower. Other forms of security and/or a guarantor may be required, depending on the borrower’s creditworthiness.

    Loan Against Property (LAP):

    Personal loans can be availed by individuals and corporate bodies by securing them against existing properties.


    LAP – Individuals:


    This is offered to resident Indians to meet various personal financing requirements.

    It is a secured loan disbursed against a mortgage on an existing residential property (house or apartment). The property to be mortgaged should not be older than 35 years. Additionally, a demand promissory note may be required to further secure the loan.

    Borrowers can avail a minimum of Rs.2 lakhs under this scheme, payable over a period of 15 years or less in EMIs based on a monthly reducing balance method for interest calculations.

    1% of the amount borrowed is payable, upfront, by the borrower.


    LAP – Companies:


    This is a secured corporate loan offered to companies. The loan can be secured against existing properties (commercial/office) or properties to be financed by the funds so obtained.

    These loans can be availed by companies to meet various short-term to long-term business financing needs. The maximum period allowed is 10 years.

    Loan to Professionals:

    These are secured loans offered to professionals who are resident Indians to purchase, construct, extend and modify etc. commercial properties to be used for their practice. Funds so obtained can also be used to buy equipment required to carry out their profession.

    Security can be provided in the form of a mortgage on the property/equipment so financed, in favour of LIC HFL or in the form of a demand promissory note. Guarantors may also be required.

    The loan is to be repaid in EMIs (monthly rests) over a maximum period of 10 years.

    Loan Under Rental Securitization:

    These loans are offered to companies for a maximum period of 10 years.

    Why Apply through BankBazaar?

    BankBazaar is India’s premier online portal offering users a one-stop solution to all their personal financing needs.

    Through BankBazaar’s site, users can identify providers of home loans and learn about their various products and offers. They can then compare these offers based on the latest interest rates, as announced by lenders, and choose a home loan product best suited to their needs. Users can also apply for home loans through the site after entering basic details to check their eligibility for the chosen loan.

    The entire search process at BankBazaar is completed easily, quickly and conveniently. BankBazaar does not charge for any of its services. In addition, BankBazaar brings users exclusive deals and discounts by actively collaborating with different banks/institutions.

    New LIC Home Loan Interest Rate:

    The LIC reaffirms its position as a people centric organization by offering home loans at an attractive interest rate of 10.10% to 12% on a monthly reducing balance model. No wonder, LIC housing home loans have many takers when it comes to a competent and comprehensive home loan.

    News About LIC Home Loan

    • Q3 profit rises by 5.3% for LIC Housing Finance

      LIC Housing Finance saw an increase in profit for the third quarter of financial year 2014-15 as compared to the same quarter last fiscal. The raise has been by 5.3% which amounts to around Rs.344 crore. The same margin was Rs.326.6 crore in the 3rd quarter last fiscal.


      The profit growth, as analyzed by experts is also a result of the overall operating profit rise which went up by 15% as compared to the previous year. LIC Housing Finance’s profit before deferred tax adjustment was Rs378.3 crore which was considerably higher than that projected by CNBC-TV18 poll.


      The net interest income of the company was Rs.546.8 crore which slightly fell behind the anticipated income of Rs.566.4 crore. The total income of LIC Housing saw a leap of 15.2% from RS.2343 crore to Rs.2700 crore. Provision write-off for the third quarter was Rs.6.8 crore against a rite-back of Rs.19.03 crore in the previous quarter and Rs.7.45 in the same quarter the previous fiscal year 2013-14.

      11th February 2015

    • LIC housing finance sees rise in home loans

      In spite of a slowdown in the real estate and housing market, LIC housing finance contrary to the market conditions is seeing a rise in the demand for home loans. The rise is especially in the low end and homes that fall in the middle income category. The company which is the third largest in the housing finance sector registered a 25 percent growth in home loan disbursals for the quarter ending in September. The month of September itself hit 40 percent growth with the average loan disbursal standing at 20 lakhs.


      Sunita Sharma, MD and CEO, LIC HFL said the company is on target to hit 20 percent in terms of the home loans disbursed when compared to 18-19 percent in the same period last 2013. Sharma further added the factors owing to the growth is attributed to the stable government and positive sentiments from the consumer. Currently, the company has 11 percent market share compared to less than 10 percent in the last 12 months. The leading home loan disbursement rank is held by none other than the banking behemoth State Bank of India followed by HDFC Bank.

      9th January 2015

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    LIC Housing Home Loan Reviews

    77 % of our customers would recommend this bank. (247 out of 320) Write Review
    Customer Reviews
    Page 1 of 15 1 2 3 4 5
    • Validated User
      (1)

      I took a home loan from LIC housing finance for the amount of 10.5 lakhs and the disbursement was done in 2 months. Documentation was much complicated . Interest rate is 10.25% which was less while i took the loan and processing fee charged was nominal.Comparing with other banks LIC offers is higher amount. It would be good if they make the documentation process easier.

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      rajesh took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      I got the home LIC housing finance limited.They are just lacking in their response.I got the home loan with the rate of interest it was around good and after that they increased it sequentially and finally it met up to 12%.In the mean time other banks have maintained the stability with the rate of interest and the processing fee is really high.There is no flexibility with the customers and the financial institutions.The good things are not over there while I compare with other competitors.

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      naveen took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (1)

      The rate of interest charges was very high by the LIC housing Finance for the home loan. The services offered was not upto the mark as the response is not that good through phone calls and emails but it is good whenever I visit their branch office directly. There were many extra charges which was not told to me earlier.

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      maaruthi took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      DHFL is far better than LIC Housing in the home loan process.They take long time to process the loan and for every update a customer should visit their branch nothing can be done through online or through a phone call.The interest rate offered was a less rate which is 10.5% .

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      srinivas took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      I had the experience of the housing loan with the LIC HFL.There was no response with them and I am just thinking the take over with them.Still now I dint know what is the rate of interest and they them itself take the decision without my knowledge.

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      suresh took a Home Loan from LIC HOUSING FINANCE Reviewed on
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      (1)

      I got the home loan with the LIC Housing Finance Limited.The service is pretty good and the loan got disbursed within 7 days of time when I applied with them.Inspection of the property records gone very smooth because its the pre approved thing.The rate of interest was around 9.9% and its zero processing charges.

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      santanu took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      Entirely it was fine experience with LIC housing finance but I am concerned about the processing charge as it is bit high for home loan. Also LIC lacks in responsiveness so it can be taken care. Interest rate is base and par in the market. Customers would be benefited if LIC reduce the overall charges.

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      gupteshwar took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      People of LIC housing finance are very professional and they were ready to resolve issues promptly. No dislikes as such as the home loan process was smooth. Basically LIC is revising the papers immediately if there a change in interest rate. Previously I got the loan for 10.15% and later it got reduced and LIC had provide the revised papers instantly. More than that there is no fore closure charge.

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      shriram took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      LIC housing finance is bit slow in responding customers but overall experience is good. Comparing to others the interest rate is good in LIC as I got it for 10.2% for home loan. The rate is fixed for first two years and followed to that it is of floating. On whole the home loan was processed only after one and half month.

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      madhu took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      Only concern with LIC housing finance is that hidden charges as they did not disclose it in prior about the processing charge. Initially, they mentioned like 11k for service charge but later they asked for more. Customer should be aware about the details at the first itself. As on my view the charges are slightly high for home loan.

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      sunil took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      I am having the ongoing home loan with LIC HFL.The rate of interest is 10.1, initially its fixed for two years,and after that it will be converted as floating.The service part is really okay and the processing fees is 1% and thats huge.The documents got delayed by my end, totally a month of time to disburse the loan.

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      crosswin took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      I got applied for the home loan with the LIC HFL.The rate of interest was really okay for me.Their service was really good and the response was very prompt.They are really good with their customer service.I can say that am happy with them.

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      premal took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (2)

      I am having the ongoing home loan with LIC HFL.I would not recommend anyone with them.For the service quality they are really poor.I have to go to their office for every single thing.It acts really bad.I sent multiple mails to them but there is no response with them.They need to improve a lot.The rate of interest is also huge with them.

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      bala took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (1)

      I have taken my home loan from LIC Housing finance. The whole process was quick. The rate of interest was fixed for five years on the rate of 9.25%. There was no processing fees and the total tenure is for 20 years.

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      tejal took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      It took home loan from LIC housing finance through which my loan was disbursed within 20-25 and the experience was good.Documentation process was easy as the representative came to collect the documents and i also went to LIC to complete the process.The interest rate and the processing fee charged was nominal. The most i liked is that it easy procedure to move with them.

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      suresh took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (7)

      When I was taking the home loan the interest rate is 9.35% but after three years, LIC Housing Finance has increased it to 12% without any prior notification. If they are going to revise anything they have to inform the customers first but they did not do that so. Processing charge is somewhat high and nationalized sector is also acting like private in charges.

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      kannan took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (2)

      I have a taken my home loan with LIC Housing Finance. The services was good from them. The rate of interest was reasonable and it is fixed for the first few years after which it would be a floating rate. There was no processing fees and the whole process was completed within ten days.

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      vijayabharathi took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      By the month of march , I got applied for the home loan with the LIC HFL.But they dint contacted me.I expected around 9% to 10% as the rate of interest.After 60 to 90 days, I would like to go ahead with them.

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      nilesh took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (2)

      I applied for the home loan with LIC HFL.I got the call very immediately.The rate of interest was around 10% and am okay with that because it was less while compared with other banks.I just postponed my plan for some extent and I would like to go ahead with them in future.

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      abhishek took a Home Loan from LIC HOUSING FINANCE Reviewed on
    • Validated User
      (0)

      I applied for the home loan with the LIC HFL.The rate of interest was really okay and that was the best of all when compared with other banks in the market.The services are really good with them.Due to the personal reason I just postponed my plan for some extent.

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      karthick took a Home Loan from LIC HOUSING FINANCE Reviewed on
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