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LICHFL
Loan Amount,Interest Rates @ EMI
Up to 50 Lakhs 6.90% for 20 years EMI @ 769 per Lakh
Above 50 Lakhs - 1 Cr 7.00% for 20 Years EMI @ 775 per Lakh
Above 1 Cr - 3 Cr 7.10% for 20 years EMI @ 781 per Lakh
Above 3 Cr - 15 Cr 7.20% for 20 Years EMI @ 787 per Lakh
Tenure
Min 1 Year - Max 20 Years
Features
OFFERS: Avail Zero processing fee for loan above 50 Lakhs. APPLY
  • Loans for purchase of Flats /Independent Houses/Plots
  • Competitive interest rates for loans up to 15 Cr
  • Processing fee: 0.25% of Loan Amount 18% GST
  • Max 30 years repayment period 
  • PMAY for Housing loans up to 2.6 Lakhs
  • Top up loans at competitive rates
  • Loans for interiors and renovation of property
  • 80% funding for flats / Independent houses
  • 85% funding for flats below 30 Lakhs
  • 75% funding for plots

Eligibility,Documents,Terms & Conditions

Eligibility:

  • Min age 21 Years, Maximum 60 Years
  • Either Salaried/Self Employed
  • Either Resident Indian/ NRI/ PIO (Person of Indian Origin)
  • Min income 2.4 Lakhs per annumn

Required Documents - Salared:

  • PAN Card, Aadhar Card and Office ID
  • Address Proof
  • 3 Months payslips
  • 6 months salary account statement
  • Form 16 and ITR for last 3 Years
  • Colour passport size photographs

Required Documents - Self-Employed:

  • PAN Card and Aadhar Card
  • Residential Address Proof
  • Business Proof
  • Office Address Proof
  • 3 Years ITR's with computation of Income and Balance sheet, Profit and Loss account statement
  • Recent colout passport size photographs

Documents Checklist - NRI:

  • Passport All pages, Abroad ID and Address Proof
  • Valid VISA
  • 6 months payslips 
  • 1 Years Salary account statement
  • Employer Tax Deducted Certificates
  • Employment Contract
  • Passport Size photos
  • GPA
  • GPA Holders PAN Card, Aadhar card and address proof

Property Documents:

  • Sale Agreement / Sale Deed
  • Link Documents for last 30 years
  • Approved Plan
  • Encumbrance Certificate
  • Property Tax paid receipts

Balance Transfer Documents:

  • Existing loan sanction letter
  • Complete loan account statement
  • Outstanding Letter
  • List of Documents






 
All loans at the sole discretion of the Bank / Financial Institution.
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