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New Home Loan
For eligible ready, resale or under-construction residential property purchases. Ideal for first-time and repeat homebuyers.
- Attractive interest rates
- Flexible repayment tenure
- Documentation guidance
LIC HFL loan marketing assistance
Choose the loan that fits your home journey.
From a new home purchase to construction, renovation, balance transfer and property-backed finance, compare the purpose and prepare the right enquiry.
Starting from 7.15%*Simple documentationFlexible tenureExpert coordination
Core products
Loan solutions for purchase and ownership.
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Plot Loan
For eligible residential plot purchase, including composite requirements where construction is planned under applicable norms.
- Property screening support
- JDA Patta / 90B marketing focus
- Construction planning guidance
▦
Home Construction Loan
For constructing a residential home on an eligible owned plot, with disbursement typically linked to construction progress.
- Stage-based documentation
- Estimate and plan review
- Competitive pricing
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Renovation & Extension
For eligible improvement, repair, modernisation or extension requirements on an existing residential property.
- Upgrade living space
- Simple purpose assessment
- Flexible loan amount
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Balance Transfer
Evaluate transferring an existing home loan to LIC HFL and compare the effect of rate, tenure and optional top-up.
- Interest comparison
- Tenure optimisation
- Repayment review
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Loan Against Property
Property-backed finance for eligible personal or business needs, subject to valuation, income and company norms.
- Residential/commercial security
- Income-based assessment
- Flexible use of funds
Documents
Prepare a cleaner application.
The following is a general marketing checklist. The final list is determined by LIC HFL based on the applicant, co-applicant, property and product.
ID
KYC Documents
PAN, Aadhaar or other accepted identity/address proof, photographs and applicant details.
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Income Documents
Salary slips, Form 16, bank statements or business financials, ITR and supporting income evidence.
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Property Documents
Title chain, allotment/sale documents, approved plans, JDA/90B records where applicable, and technical papers.
Before you commit
Calculate EMI, interest and faster repayment.
See how regular EMI compares with double EMI monthly, double EMI every alternate month, and a custom extra-payment strategy.
Open CalculatorEMIMonthly repayment estimate
InterestTotal cost comparison
TenureMonths to loan closure
ScheduleDownload amortisation CSV