Home Loan available at floating Interest rate & 5 years, 10 years and 30 years fixed rates available at LIC Housing Finance Ltd.
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    LOAN FOR ALL PURPOSE
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    LOAN FOR ALL PURPOSE
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    LOAN FOR ALL PURPOSE

Features

  • Home Loan
  • Loan against Property
  • Balance Transfer + Top Up
  • Both Fixed & Floating Rates Available
  • Best Housing Finance Company in Country Awarded by CNBC TV18
  • Housing Finance Expertise of more than 32 yrs
  • Fair & Transparent Business Practices

Special Features

  • Attractive Interest Rates
  • Tenor up to 30 years
  • Monthly Reducing Balance
  • Simple Documentation
  • Maximum Funding
  • Fees on prepayment : Nil

Loan Enquiry


SALARIED:
  1. Application form completed with 2 photograph duly filled in and signed
  2. ID Proof : PAN CARD
  3. Residence Proof : Latest Telephone bill / Bank Statement containing address for last 6 months / Electricity bill / Ration card / Letter from Employer
  4. Salary slips for last 3 months
  5. Latest Form 16
  6. Copy of Appointment Letter with Latest CTC & Confirmation Letter
  7. Original Bank Statement / Passbook of salary A/C for last 6 months (updated)
  8. Highest Qualification Proof
  9. Previous Employment details if applicant is in probation
  10. Investment Proof
  11. Processing Fees Cheque
  12. Repayment Track Record if any
SELF EMPLOYED / PROFESSIONAL:
  1. Application form completed with 2 photograph duly filled in and signed
  2. ID Proof : PAN CARD / PASSPORT / VOTER ICARD / Employer ID Card / Driving license
  3. Residence Proof : Latest Telephone bill / Bank Statement containing address for last 6 months / Electricity bill / Ration card
  4. Last 3 years ITRs ( SARAL, Computation of income, Profit & Loss A/c, Balance Sheet, TDS Certificates ( if applicable ), Tax Paid Challans
  5. In case of Partnership firm : ITRs for last 3 years and Partnership Firm
  6. In case of company : Audit Reports for last 3 years and MOA & AOA
  7. Bank Statement / Passbook of Current & SB A/C for last 6 months ( updated )
  8. Alternate Business Proof (Shop Registration Certificate Certificate etc.)
  9. Processing Fees Cheque.
IN CASE OF TAKE OVER:
  1. Outstanding loan quotation
  2. Repayment Track Record
  3. List of Documents
  4. NOC for take over
  5. Copies of Property Agreement
  6. Sanction plan copy ( Blue Print )
NIR
  1. Copy of Passport, Visa, Service Contract, Salary slip ( all duly attested by Indian embassy / Notary / HFL Officials / Bank )
  2. GPA (GENERAL POWER OF ATTORNEY ) in our format ( all duly attested by Indian embassy / Notary / HFL Officials / Bank )
  3. Bank Statement for past one years of recent employment
  4. NRI Bank Statement for 6 months
  5. And see list of salaried documents

NOTE: # above mentioned income documents are required for the Co-applicant also if His/her income is considered.

E or F or G or H whichever applicable

E) For Purchase of New Flats from Builders/ Promoters:
  1. Agreement to sale with builder and the Registration Receipts.(2 copies)
  2. Blue print of the building plan attested by the corporation/ Town Planning authority and the commencement Certificate. The applicant flat should be marked in red colour for easy identification.
  3. N.A. Permission and ULC order copy.
  4. Title investigation report for last 12 years (Search report for 12 yrs. Conducted within one year.
  5. Development Agreement and Power of Attorney / sale deed in favour of the builder.
  6. Receipts of payments made to the builder.
  7. 7/12 OR CTS extract OR Property card.
  8. NOC from builder in prescribed format.
  9. Completion Certificate, if obtained.
  10. Society documents mentioned below under (I). ( if applicable )
F) For Purchase of Resale Flat:
  1. Agreement to sale with the vendor and the Registration Receipt. (2 copies).
  2. Agreement to sale between vendor and the builder and its Registration receipt.
  3. Copy of the conveyance deed between builder and the society is registered.
  4. Receipts of payments made to the vendor.
  5. Documents 2, 3, and 4, 5, 7, 8, 9, 10, of point (E).
G) For construction / Extension / Renovation of House:
  1. Sale deed / Lease deed and its Registration.
  2. 7/12 extract and the Index II.
  3. Demarcation / Layout certification
  4. Abstract & Detailed Estimate for construction / extension prepared & certified by a Licensed Surveyor / Architect.
  5. Documents 2, 3,4,10, of point (E) above.
H) For Plots / Houses / Flats allowed by MHADA / PCNTDA / MIDC / MHB
  1. Allotment letter.
  2. NOC from the body.
  3. Additional certificate ( in PCNTDA ) cases only).
  4. Lease deed & its Registration receipts.
  5. Blue print of the sanction building plan and commencement certificate attested by the sanctioning authority.
  6. Receipts of payment made to the body.
I) In point E, F, G & H above, if the flat / house is located in a registered society, the following. Additional Documents are to be submitted:
  1. Society Registration Certificate
  2. Society Bye-laws.
  3. Share Certificate.
  4. Letter of allotment of flat / house / plot.
  5. Society NOC. (prescribed format available with our office)
In case of Builder APF or Reference
  1. Agreement to sale with builder and the Registration Receipts.
  2. Blue print of the building plan attested by the corporation/ Town Planning authority and the commencement Certificate. The applicant flat should be marked in red colour for easy identification.
  3. Receipts of payments made to the builder. If cheque Payment then Bank clearance required.
  4. NOC from builder in prescribed format.
  5. Builder Demand Letter
Rate of Interests (Floating - Linked to LHPLR) Current LHPLR - 14.70% Griha Siddhi /Apna Ghar/ Advantage Plus (Housing Component)/2020 Homecoming
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
Upto Rs. 50 Lakhs CIBIL >= 700 6.66% 6.76%
CIBIL 650 – 699 7.10% 7.20%
CIBIL 600 - 649 7.30% 7.40%
CIBIL < 600 7.50% 7.60%
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
50 Lakhs to Rs. 1 Cr CIBIL >= 700 6.90% 7.00%
CIBIL 650 – 699 7.30% 7.40%
CIBIL 600 - 649 7.60% 7.70%
CIBIL < 600 7.70% 7.80%
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
Rs. 1 Crs to Rs. 3 Crs CIBIL >= 700 6.90% 7.00%
CIBIL 650 – 699 7.40% 7.50%
CIBIL 600 - 649 7.70% 7.80%
CIBIL < 600 7.70% 7.80%
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
Rs. 3 Crs to Rs. 15 Crs CIBIL >= 700 6.90% 7.00%
CIBIL 650 – 699 7.50% 7.60%
CIBIL 600 - 649 7.70% 7.80%
CIBIL < 600 7.80% 7.90%
Loan Slab Salaried & Professional Non-Salaried & Non Professional
Up to Rs. 50 Lakhs (Cibil <=0 ) 7.40% 7.50%
Griha Bhoomi-Loan Towards Purchase of Residential Plot
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
Upto Rs. 50 Lakhs CIBIL >= 700 7.10% 7.20%
CIBIL 650 – 699 7.30% 7.40%
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
50 Lakhs to Rs. 1 Cr CIBIL >= 700 7.10% 7.20%
CIBIL 650 – 699 7.50% 7.60%
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
Rs. 1 Crs to Rs. 3 Crs CIBIL >= 700 7.10% 7.20%
CIBIL 650 – 699 7.60% 7.70%
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
Rs. 3 Crs to Rs. 15 Crs CIBIL >= 700 7.10% 7.20%
CIBIL 650 – 699 7.70% 7.80%
Griha Suvidha/Griha Suvidha Apna Ghar- EWS/ LIG
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
Rs 10 lakhs- 50 Lakhs CIBIL >= 700 6.91% 7.01%
CIBIL 650 – 699 7.35% 7.45%
CIBIL 600 - 649 7.55% 7.65%
CIBIL < 600 7.75% 7.85%
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
Rs. 50 Lakhs to Rs. 1 Cr CIBIL >= 700 7.15% 7.25%
CIBIL 650 – 699 7.55% 7.65%
CIBIL 600 - 649 7.85% 7.95%
CIBIL < 600 7.95% 8.05%
Loan Slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
Rs. 1 Crs to Rs. 3 Crs CIBIL >= 700 7.15% 7.25%
CIBIL 650 – 699 7.65% 7.75%
CIBIL 600 - 649 7.95% 8.05%
CIBIL < 600 7.95% 8.05%
*Other conditions will be same as applicable to Griha Siddhi Product
Loan Slab Salaried & Professional Non-Salaried & Non Professional
Rs. 10 Lakhs – 50 lakhs (Cibil <=0 ) 7.65% 7.75%
Product Name Interest Type Loan Slab ROI
My Choice –Sure Fixed & Apna Ghar (PMAY-CLSS)- Sure Fixed Fixed for Entire loan tenure Upto Rs.50 lacs 10.05%
Above Rs.50 lacs & upto Rs.5 crs 10.15%
Product Name Cibil Score Loan Slab ROI
New face Lift 750 & above Up to Rs. 15 Crs 7.75%
600 to 749 7.95%
Below 600 8.10%
“Rewriting facility available. Contact Area Office”.
ROI updated as on 01.07.2021 – LHPLR – 14.70
* 1) In case of joints applicants, CIBIL score of applicant having highest score will be considered
2) For cases where CIBIL score is Zero or less and loan amount is more than Rs 50 Lakhs & up to Rs 15 Crs, the ROI applicable will be as per the CIBIL score less than 600 in the respective categories
RETAIL NON HOUSING PRODUCTS
Product Name Interest Type/slab CIBIL score Rate of Interest
Advantage Plus (Top up Component) Floating (upto Rs 5 Crs) CIBIL >= 800 9.00%
CIBIL >= 700 9.50%
CIBIL >= 600 10.00%
Griha Vikas/Griha Vikas (Topup)/New Griha Vikas (Facelift) Floating Up to Rs 15 crs CIBIL >= 700 8.50%
CIBIL >= 600 8.95%
LRD/Apna Office/LAP – Commercial/Purchase of Commercial Property Floating Up to Rs 5 crs CIBIL >= 800 9.00%
CIBIL >= 700 9.50%
CIBIL >= 600 10.00%
LRD/Apna Office/LAP – Commercial/Purchase of Commercial Property Above Rs. 5 crs and up to Rs. 15 crs CIBIL >= 800 9.50%
CIBIL >= 700 10.00%
CIBIL >= 600 10.50%
Apna Office- Individual Rs. 10 Lakhs & Upto Rs. 15 Crs 700 & more 8.40%
600 & more but less than 700 8.75%
Above floating rate will be linked to LHPLRNH
ROI updated as on 01.07.2021 – LHPLRNH – 14.80

Customer Introduction Form

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Apna Ghar/Griha Suvidha

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Griha Prakash Form

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Griha Vikas Form

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Griha Vikas Let Out Form

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Customer KYC Form

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New Face Lift Form

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Non-Resident Indians

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