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    LIC Housing Finance Home Loan

    LIC HFL offers home loans at attractive interest rates and quick e-approval. Customers can choose their loan repayment tenure from 5 to 30 years based on their requirements and financial position.

    We found 1 LIC Housing Finance Home Loan
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    1L Min
    5-30 Years
    Response Time : Within 30 minutes
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    LIC Housing Finance Home Loan is Rated as "Great!" by 717 Users

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    Home Loan BYTES FROM OUR KITCHEN

    LIC HFL offers long-term home loan finance to its customers to help fulfil their varied housing needs, Monitored by the National Housing Bank (NHB).

    • 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 Housing Finance 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 Loan Interest RatesUpdated on 16 Jan 2019

    LIC Home Loan Details
    Loan Tenure 30 Years
    Guarantor Requirement No guarantor required
    Processing Fees Nil
    Pre Closure Charges Nil
    Partial PrePayment Charges Nil

    LIC HFL Home Loan Benefits

    Owning a house is dream for every individual. However, LIC Housing Finance has introduced a variety of home loans which are accompanied by multiple benefits to the user.

    • These home loans are designed to cater to the home financing needs of resident Indians, NRIs and pensioners.
    • These loans come with easy terms like comfortable repayment periods, low interest rates, easy repayment options, minimal documentation, quick loan processing and more.

    LIC Housing Finance Home Loan Eligibility Criteria

    LIC Housing Loan for Resident Indians Open to all individuals who are residents of India
    LIC Housing Loan for NRIs Only available to salaried individuals who hold an NRI (non-resident Indian) or PIO (person of Indian origin) status.
    LIC Housing Loan for Pensioners (before retirement) Available to those individuals who are 50 years or above in age and hold a pension scheme post retirement.
    LIC Housing Loan for Pensioners (after retirement) Available to those individuals who are pensioners drawing a pension which forms a stable source of income.

    LIC Housing Loan Required Documentation

    LIC offers a variety of housing loans to help you finance the cost of a new house, whether it for purchasing, construction or for making an extension to an existing housing unit. The documentation requirements are different for salaried applicants and self-employed applicants. For further details on the required documentation, please contact your nearest LIC branch.

    Basic Documents
    • Duly filled and signed application form.
    • Passport sized photographs.
    • Cheque with processing fee amount.
    • Bank statements for the last 6 months.
    Salaried Applicants In addition to the aforementioned documents, salaried applicants wishing to apply for this home loan must provide:
    • Salary slips for the last 3 months
    • Form 16 or Income Tax Returns
    Self-Employed Applicants
    • Certificates of educational qualifications.
    • Proof of existence of said business.
    • Income Tax Returns for last 3 years along with computation of Income.
    • Balance Sheet and Profit & Loss Account for the last 3 years, certified / audited by a chartered accountant.

    LIC Housing Finance Home Loan Interest Rate

    The LIC reaffirms its position as a people centric organization by offering home loans at an attractive interest rate of 8.50% to 8.70% (floating) 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.

    LIC Home Loan Fees and Charges:

    • Housing loan / Renovation / Improvement / Refinance / Extension / Plot Purchase by self-employed customers / Plot Purchase by salaried customers / NRI loans (loan amount of upto Rs.50 lakh) – Rs.10,000 plus tax.
    • Housing loan / Renovation / Improvement / Refinance / Extension / Plot Purchase by self-employed customers / Plot Purchase by salaried customers / NRI loans (loan amount of between Rs.50 lakh and Rs.3 crore) – Rs.15,000 plus tax.
    • Mortgage loans – Processing fee of Rs.25,000 or 1% of the loan amount plus tax, whichever is lower.
    • Cheque bouncing charges – Rs.350.
    • Statutory charges (loan amount upto Rs.5 lakh) – Rs.250 plus tax.
    • Statutory charges (loan amount above Rs.5 lakh) – Rs.500 plus tax.
    • Charges for document retrieval – Rs.2,500 plus tax.

    Types of Home Loans Offered By LIC HFL

    To cater to the needs of a diverse customer base, LIC offers a variety of home loans to its customers which can be availed for different purposes. These home loans are available for

    • Griha Siddhi housing loan
    • Resident Indians
    • Non-resident Indians (NRIs) and
    • Pensioners (pre-retirement and postretirement)

    Given below are some of the features and benefits of each home loan plan offered by LIC HFL to help you realize your dream of owning a house.

    Griha Siddhi housing loan from LIC HFL

    Griha Siddhi is a floating home loan product offered by LIC HFL for construction/buying of house and remodelling/repairs to an existing property. With the rate of interest starting from 8.40% p.a., women borrowers are also eligible for concessions in the interest rates. The tenure is offered for a maximum of 30 years or the attainment of 60 years whichever is earlier for salaried employees. For self-employed borrowers, the maximum tenure that the loan can be extended is up to 25 years. The loan can also be merged with other existing home loans in some cases.

    LIC Housing Finance Home Loan for Resident Indians

    LIC offers home loans to resident Indians for the purposes of purchasing a new house /residential unit, for the construction of a new house or residential unit or for making an extension to an existing house or residential unit.

    LIC Housing Finance Loan for New House/Apartment Purchase:

    You can avail this home loan for the purchase of a new house/apartment r residential unit.

    • You can avail this loan for a minimum amount of Rs 1,00,000.
    • The maximum loan tenure available for this loan is set at 30 years for salaried applicants and 20 years for self-employed applicants.
    • You can repay the loan via equal monthly installments which will be set on a monthly rest basis.
    • The Loan to Property cost applicable on this loan is set differently for different loan amounts. For loans up to 20 lakhs, LIC provides 85% of total cost of the property (incl. Registration Charges or Stamp Duty), for loans above Rs 20 lakhs and up to Rs 75 lakhs, LIC provides 80% of the total property cost (incl. Registration Charges or Stamp Duty) and for loans above Rs 75 lakhs, LIC provides 75% of the total cost of the property (incl. Registration Charges or Stamp Duty).

    LIC Housing Finance for Construction:

    This home loan can be availed for the construction of a new housing/residential unit.

    • The Loan to Property cost applicable on this loan is set differently for different loan amounts. For loans up to 20 lakhs, LIC HFL provides 85% of total cost of the property (incl. Registration Charges or Stamp Duty), for loans above Rs 20 lakhs and up to Rs 75 lakhs, LIC provides 80% of the total property cost (incl. Registration Charges or Stamp Duty) and for loans above Rs 75 lakhs, LIC provides 75% of the total cost of the property (incl. Registration Charges or Stamp Duty).
    • The maximum loan tenure available for this loan is set at 30 years for salaried applicants and 20 years for self-employed applicants.
    • You can avail this loan for a minimum amount of Rs 1,00,000.
    • You can repay the loan via equal monthly installments which will be set on a monthly rest basis.

    LIC Housing Finance for Extension:

    You can avail this loan in order to build an extension to your existing house. For example, an additional room to an existing house.

    • The maximum loan tenure available for this loan is set at 30 years for salaried applicants and 20 years for self-employed applicants.
    • You can avail this loan for a minimum amount of Rs 1,00,000.
    • The Loan to Property cost applicable on this loan is set differently for different loan amounts. For loans up to 20 lakhs, LIC provides 85% of total cost of the property (incl. Registration Charges or Stamp Duty), for loans above Rs 20 lakhs and up to Rs 75 lakhs, LIC provides 80% of the total property cost (incl. Registration Charges or Stamp Duty) and for loans above Rs 75 lakhs, LIC provides 75% of the total cost of the property (incl. Registration Charges or Stamp Duty).
    • You can repay the loan via equal monthly installments which will be set on a monthly rest basis.

    LIC Housing Loan for Non Resident Indians (NRIs)

    Just like it caters to its resident Indian customers, LIC Housing Finance understands the importance for a non-resident Indian to have their own house, in their motherland. For this purpose, LIC provides NRI customers with home loans which can be availed for the purchase of a new house, for the construction of a new house or to make an extension to an existing house. Given below are some features and benefits of these housing loans in brief.

    LIC HFL Home Loan for Purchase:

    You can avail this home loan for the purchase of a new house/apartment r residential unit.

    • Applicants can avail this loan for a minimum amount of Rs 1,00,000.
    • The Loan to Property cost applicable on this loan is set differently for different loan amounts. For loans up to 20 lakhs, LIC provides 85% of total cost of the property (incl. Registration Charges or Stamp Duty), for loans above Rs 20 lakhs and up to Rs 75 lakhs, LIC Housing Finance provides 80% of the total property cost (incl. Registration Charges or Stamp Duty) and for loans above Rs 75 lakhs, LIC provides 75% of the total cost of the property (incl. Registration Charges or Stamp Duty).
    • NRIs holding professional qualifications may avail this loan for a maximum term of 15 years. Other NRIs can avail the loan for a maximum term of 10 years.
    • Applicants can repay the loan via EMIs which will be taken on the monthly rest basis.

    LIC HFL Home Loan for Construction:

    Applicants can avail this loan in order to finance the cost of construction of a new house or residential unit.

    • The Loan to Property cost applicable on this loan is set differently for different loan amounts. For loans up to 20 lakhs, LIC provides 85% of total cost of the property (incl. Registration Charges or Stamp Duty), for loans above Rs 20 lakhs and up to Rs 75 lakhs, LIC provides 80% of the total property cost (incl. Registration Charges or Stamp Duty) and for loans above Rs 75 lakhs, LIC provides 75% of the total cost of the property (incl. Registration Charges or Stamp Duty).
    • Applicants can avail this loan for a minimum amount of Rs 1,00,000.
    • Applicants can repay the loan via EMIs which will be taken on the monthly rest basis.
    • NRIs holding professional qualifications may avail this loan for a maximum term of 15 years. Other NRIs can avail the loan for a maximum term of 10 years.

    LIC HFL Home Loan for Extension:

    NRIs who already have an existing house in India and wish to make any extensions to their existing house can avail this home loan to finance the cost of the extension.

    • NRIs holding professional qualifications may avail this loan for a maximum term of 15 years. Other NRIs can avail the loan for a maximum term of 10 years.
    • Applicants can avail this loan for a minimum amount of Rs 1,00,000.
    • Applicants can repay the loan via EMIs which will be taken on the monthly rest basis.
    • The Loan to Property cost applicable on this loan is set differently for different loan amounts. For loans up to 20 lakhs, LIC provides 85% of total cost of the property (incl. Registration Charges or Stamp Duty), for loans above Rs 20 lakhs and up to Rs 75 lakhs, LIC provides 80% of the total property cost (incl. Registration Charges or Stamp Duty) and for loans above Rs 75 lakhs, LIC provides 75% of the total cost of the property (incl. Registration Charges or Stamp Duty).

    LIC Home Loans for Pensioners

    While it is relatively easy for a young working individual to obtain a home loan, the same might not be as easy for someone who might be approaching their retirement age or has already retired. LIC Housing makes that easy as they provide home loans for individuals who are approaching or have crossed their retirement age. These home loans come with easy terms and provide multiple benefits like ease of repayment, low interest rates, comfortable tenure, etc.

    Home Loan Before Retirement:

    • Applicants may avail this home loan in order to purchase and construct a new house or flat. The loan can also be used to build and extension to an existing house or residential unit.
    • This home loan is available for a term of up to 15 years or till the applicant reaches 70 years of age, whichever occurs earlier.

    Home Loan after Retirement:

    • Applicants may avail this home loan in order to purchase and construct a new house or flat. The loan can also be used to build and extension to an existing house or residential unit.
    • Borrower must repay this loan before he/she attains 70 years of age.

    LIC Housing Finance Home Loan FAQs

    1. What are the different types of home loans provided by LIC Housing?

      LIC Housing provides home loans for resident Indians, non-resident Indians (NRIs) and for pensioners.

    2. What are the terms and conditions associated with the LIC Housing Loan for Pensioners before Retirement?

      The terms and conditions associated with the Home Loan for Pensioners (before retirement) are that the applicant must submit a Letter of Undertaking stating that the entire loan or a minimum of 30% of loan amount (as decided by the Area Office) will be repaid by the applicant out of their retirement benefits. The balance amount of the home loan must be paid from the Pension income. Please note that the principal amount of the loan to be repaid on retirement will be determined on the amount of pension which the borrower is eligible for post-retirement.

    3. Are there any terms & conditions associated with the LC Housing Home Loan for Pensioners after retirement?

      The terms and conditions applicable under this home loan scheme are:

      • Under this scheme, the borrower is not allowed to commutate their pension or any part of their pension.
      • In order to avail the loan, the borrower must present a Guarantor who is approved by the provider.
    4. What are the basic documents that applicants are required to submit in order to apply for an LIC Home Loan?

      The basic documents which applicants must provide to apply for an LIC Housing Home Loan are:

      • Duly filled and signed application form.
      • Passport sized photographs.
      • Cheque with processing fee amount.
      • Bank statements for the last 6 months.
    5. Who all are eligible to apply for an LIC Housing Home Loan?

      For the different categories of home loans, the following individuals may apply:

      • The LIC Housing loan for Resident Indians is open to all individuals who are residents of India.
      • The LIC Housing Loan for NRIs is only available to salaried individuals who hold an NRI (non resident Indian) or PIO (person of Indian origin) status.
      • The LIC Housing Loan for Pensioners (before retirement) is available to those individuals who are 50 years or above in age and hold a pension scheme post retirement. The LIC Housing Loan for Pensioners (after retirement) is available to those individuals who are pensioners drawing a pension which forms a stable source of income.
    6. What are the purposes for which these home loans may be utilized?

      LIC housing Home Loans may be utilized for the purpose of purchasing a new house/flat/residential unit, for constructing a new house or residential unit and also for constructing an extension to an existing house or residential unit.

    7. What are the documents which salaried applicants must furnish in order to apply for this home loan?

      Salaried applicants must provide the following documents, in addition to the basic documents requested by the bank.

      • Salary slips for the last 3 months
      • Form 16 or Income Tax Returns
    8. What are the documents which self-employed applicants must furnish in order to apply for this home loan?

      Self-employed applicants must provide the following documents, in addition to the basic documents requested by the bank.

      • Certificates of educational qualifications.
      • Proof of existence of said business.
      • Income Tax Returns for last 3 years along with computation of Income.
      • Balance Sheet and Profit & Loss Account for the last 3 years, certified / audited by a chartered accountant.
    9. What is the minimum amount for which an applicant may avail an LIC Housing Home Loan?

      The LIC Housing home loan is available for a minimum amount of Rs 1, 00,000.

    10. What is the loan margin available on the LIC Housing home loans?

      The loan margin or Loan to Property cost for home loans for Resident Indians and home loans for NRIs is similar. The Loan to Property cost applicable on this loan is set differently for different loan amounts. For loans up to 20 lakhs, LIC provides 85% of total cost of the property (incl. Registration Charges or Stamp Duty), for loans above Rs 20 lakhs and up to Rs 75 lakhs, LIC provides 80% of the total property cost (incl. Registration Charges or Stamp Duty) and for loans above Rs 75 lakhs, LIC provides 75% of the total cost of the property (incl. Registration Charges or Stamp Duty).

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    LIC Housing Home Loan Reviews

    • LIC Housing Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I took a home loan from the LIC , The service was also good, The loan amount was satisfactory , I got the loan amount with in few days , The interest rate was high when I took it. The processing fee was nominal and the tenure period is 23 year . I am happy with services .
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 11, 2019
    • LIC Housing Home Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I had taken this loan in the year of 2011 and the experience has been quite good. There has not been any extra charges which they had made but it has been time taking to know about the status of the statements. Even their customer support has been helpful as well.
      Was this review helpful? 2
      , pune
      Reviewed on Jan 09, 2019
    • LIC Housing Home Loan
      "Hassle free experience with LIC"
      0.5 5.0/5 "Blown Away!"
      My home loan running with LIC Housing I took the loan before one an half year. At that time my builder got tie up with them, LIC housing sanctioned 90% of loan, and they disbursed the amount based on the property construction . Fee and charges are reasonable.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jan 09, 2019
    • LIC Housing Home Loan
      "Affordable interest rate with LIC Housing"
      0.5 4.5/5 "Excellent!"
      I took the home loan from LIC housing it was cleared long back, when I took the loan the interest rate 9.3% for the tenure period of 20 years. I completely paid and I got the NOC. Only thing, the different executive were involving for same thing hence I need to pay the commission.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 09, 2019
    • LIC Housing Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been a great experience i had with this loan and the process in getting this loan has also been good as well. Their customer support and response has also been good and there has not been any sort of additional charges which they had made. The interest rate with them has also been nominal and has not been that high.
      Was this review helpful? 4
      , coimbatore
      Reviewed on Dec 29, 2018
    • LIC Housing Home Loan
      "Easy and convenient to get the loan"
      0.5 4.0/5 "Great!"
      Purchased my housing loan by last year October with a joint account with my wife. I bought the loan amount of Rs. 25 lakhs. They have offered me a interest rate of 8.35% and the processing fee was nominal. I pay the EMI of Rs. 24600 every month. I make the payment through ECS and the total tenure period of this loan is 16 years.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 26, 2018
    • LIC Housing Home Loan
      "Average"
      0.5 3.5/5 "Pretty good"
      My home loan was taken with LIC ,It has been a pleasant personal loan experience LIC . The interest rate was nominal and even processing fee was too nominal it is equal to other bank . The tenure period is sufficient . They need to improve their customer service .
      Was this review helpful? 1
      , guwahati
      Reviewed on Dec 10, 2018
    • LIC Housing Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The experience with this loan has been good and the loan amount which they had provided has been sufficient as well. The interest rate with them has been nominal when compared with the market rate and the whole process went smooth and simple. There has not been any additional charges which has been made by them so far.
      Was this review helpful? 2
      , pune
      Reviewed on Dec 04, 2018
    • LIC Housing Home Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I bought my home loan with LIC housing finance. In 2011, i have taken the home loan for the amount of Rs. 10 lakhs. The interest rate was 8.6% which I'm comfortable with. There was no processing fee. Total tenure period of the loan is 10 years. I have received the loan on time. I'm paying the EMI of Rs. 15400 every month.
      Was this review helpful? 2
      , pune
      Reviewed on Dec 02, 2018
    • LIC Housing Home Loan
      "Good home loan experience"
      0.5 5.0/5 "Blown Away!"
      They have offered me a interest rate of 9.35% and i'm not happy about the interest rate since its high. They have charged me a processing fee of 1%. I have taken my home loan with LIC. I have got the loan amount of Rs. 12 lakhs. I have received the loan on time. I pay the EMI of Rs. 12000 every month. Total tenure period of the loan is 20 years.
      Was this review helpful? 3
      , chennai
      Reviewed on Nov 27, 2018
    • LIC Housing Home Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      My home loan was taken with LIC HOUSING FINANCE, they charge very high rate of interest and even processing fee was also very high . The documentation process is good and it is easy also it is simple to access. Loan amount is very satisfactory and i use to pay EMI on time .
      Was this review helpful? 3
      , hyderabad
      Reviewed on Nov 25, 2018
    • LIC Housing Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had taken a home loan with LIC Housing Finance. The rate of interest was okay its not high and the processing fee is acceptable when compared to other banks. I have done a preclosure long back. At that moment, there is no online service so I used to visit the branch and the services are good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 24, 2018
    • LIC Housing Home Loan
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I have taken the housing loan with the LIC HOUSING FINANCE and using it from past 3 years, the process is simple to get the loan. The processing fee is 1% also the rate of interest is of 9.67% which is floating, the duration is for 20 years to repay. The service is good, the EMI is 20k i pay per month.
      Was this review helpful? 2
      , chennai
      Reviewed on Nov 19, 2018
    • LIC Housing Home Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have taken my housing loan with the LIC HOUSING FINANCE where i have been using it from last 5 years and also the documentation process is good and it is easy also it is simple to access. The rate of interest is approximately 9% also the loan amount is sufficient.
      Was this review helpful? 2
      , new delhi
      Reviewed on Nov 19, 2018
    • LIC Housing Home Loan
      "Need Improvement"
      0.5 4.0/5 "Great!"
      LIC housing loan interest rate is high, they told something but finally they disbursed the amount with higher interest. Best thing about LIC they don't have preclosure charges. The process was very difficult to avail or close the loan. For every queries I need to visit to the home branch at Trichy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 13, 2018
    • LIC Housing Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The experience i had with this loan has been simple and easy, the loan amount which they had provided has been sufficient and the interest rate with them has been nominal. There has been some charges which they had made which has been nominal. Their customer support has been responsive as well.
      Was this review helpful? 3
      , secunderabad
      Reviewed on Nov 13, 2018
    • LIC Housing Home Loan
      "Best Financial Service"
      0.5 5.0/5 "Blown Away!"
      I got my housing loan from LIC housing . Am satisfied with rate of interest which is nominal one of 8.34% The customer service and response is good. It instant approval process. They gave good tenure period which i make the payment through ecs .There is no processing fees.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 10, 2018
    • LIC Housing Home Loan
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      Earlier I took home loan from LIC housing, now the interest rate is around 9.2% before four years the interest was quite nominal around 8.7%. they have disbursed the loan within the time period. I am quite happy with them there was no difficulties faced.
      Was this review helpful? 4
      , hyderabad
      Reviewed on Nov 01, 2018
    • LIC Housing Home Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have been using the housing loan from last 1 year and they have approved for rupees 19lakhs which is satisfactory and the rate of interest is 8.4% and it is a floating interest they have offered. The documents submitted physically also the quick process to get the loan. The service is good.
      Was this review helpful? 7
      , chennai
      Reviewed on Oct 03, 2018
    • LIC Housing Home Loan
      "Good Financial service"
      0.5 4.0/5 "Great!"
      I have taken home loan from Lic housing finance . Where they are giving satisfying rate of interest . There is nominal charges for the processing fees for the documentation . Am pretty much satisfied with the rate of interest which they have provided.
      Was this review helpful? 4
      , hyderabad
      Reviewed on Oct 03, 2018
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