Buy, build, renovate or redecorate your home with HDFC’s range of Home Loan. Enjoy attractive interest rates, transparent charges, quick processing and easy repayment options.

Get expert advice and unmatched service at every step, with minimal and hassle-free documentation. Benefit from pocket-friendly EMI options and flexible repayment tenures..

　　Here is an indicative list of the home loan fees and charges/ outgoings that are payable depending on the nature of the loan availed (*):

　　Home Loan Processing Fees and Charges

　　Processing Fees

　　Up to 0.50% of the loan amount or ₹3,000 whichever is higher, plus applicable taxes.

　　Fees On Account Of External Opinion

　　Fees on account of external opinion from advocates/technical valuers, as the case may be, is payable on an actual basis as applicable to a given case. Such fees is payable directly to the concerned advocate / technical valuer for the nature of assistance so rendered.

　　Property Insurance

　　The customer shall pay the premium amounts directly to the insurance provider, promptly and regularly so as to keep the policy / policies alive at all times during the pendency of the loan.

　　Charges On Account Of Delayed Payments

　　Delayed payment of interest or EMI shall render the customer liable to pay additional interest up to 24% per annum.

　　Incidental Charges

　　Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. A copy of the policy can be obtained by customers from the concerned branch on request.

　　Statutory / Regulatory Charges

　　All applicable charges on account of Stamp Duty / MOD / MOE / Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) or such other statutory / regulatory bodies and applicable taxes shall be borne and paid (or refunded as the case may be) solely by the customer.

　　Home Loan

　　Having your own home is one of the greatest achievements one would like to have in life. Seylan Home loans offer affordable and flexible housing loan schemes that can turn your dream to a reality.

　　A Seylan home loan can range from rupees five hundred thousand to one hundred million (Rs. 500,000 – Rs.100, 000,000) by submitting minimum documentation. Seylan home loans are offered at a competitive interest rate along with special Advisory Services.

　　Furthermore customers can also choose repayment plans stretching up to 25 years, depending on their repayment capacity and age.

　　We have products to suit every budget, taste and need. Whether you are self-employed or working in an organization, Seylan Bank offers a loan that is just perfect for you.

　　Benefits:

　　Meet your purpose:

　　Purchase or construct a house, Purchase a block of land, Renovate, Extend or Complete an existing house, Purchase a Condominium apartment, Redeem an existing housing loan, Home improvements (Interior decor, Pantry cupboards, Landscaping or any other requirements)

　　Attractive interest rates:

　　We offer attractive home loan rates that makes your housing loans affordable and easier to repay.

　　Balance transfer facility:

　　Not satisfied with your existing Home Loan Provider? You can transfer your home loan to us without any hassles.

　　Loan Amount:

　　From a minimum of Rs. 500,000/- based on the applicant's repayment capacity and value of property. Maximum loan amount Rs. 100 Million.

　　Purchase a Condominium Apartment:

　　List of Condominium Aptartment

　　Eligibility:

　　Salaried Employees

　　Professionals

　　Businessmen

　　Sri Lankans employed abroad

　　Joint borrowers with spouse

　　Parents with Son/Daughter over 18 years of age.

　　Housing Loan

　　Housing Loan is a stepping stone in realizing your dream home. LIC HFL offers wide variety of home loans which will fulfill your needs at one of the lowest interest rates available. Our home loans cater to all types of customer base viz., salaried, self-employed, professional, NRIs, etc. Our products are customizable according to your home loan eligibility.

　　Online Home Loans

　　Apply for Home Loan online. Click here

　　LIC HFL Home Loan Features

　　Online Home loan sanction facility

　　Quick sanction and low EMI

　　Simple documentation

　　Maximum Tenure of 30 years or attainment of 60 years whichever is earlier

　　Amongst the lowest rate of interest

　　No Pre-Payment penalty

　　Available for construction / purchase of house or flat from private developer or housing boards and repairs/renovation to the existing properties

　　Takeover or balance transfer of existing Home Loans possible

　　Types of Home Loan

　　Home Loan for Resident Indian

　　Home loans or housing loans are available for purchase of underconstruction or ready to move homes. Housing loans can also be availed for construction of own house. The following are eligible for Home Loan from LIC Housing Finance Ltd:

　　All Salaried employees working in Private or Government/Public Organizations.

　　Self-employed individuals

　　The following individuals are also eligible under our Griha Suvidha Home Loan:

　　Employees drawing part of salary in cash

　　Salaried employees seeking home loan term beyond retirement

　　For information on all eligible customers under Griha Suvidha Home Loan click here.

　　Home Loan for Non Resident Indian

　　Home loans are available for individuals working abroad but willing to own a home in India. To know more click here.

　　Pradhan Mantri Awas Yojana

　　A special Housing Loan scheme for First Time Home Buyers by the Government of India. All families having income of Rs 3 lakh to Rs 18 lakh are eligible under this scheme provided they plan to purchase or construct their first pucca house. For all details and benefits under the scheme click here. For list of statutory towns eligible under the scheme visit the official website of National Housing Bank.

　　Plot Loans

　　Loans are provided against purchase of residential plots for construction of home within period of 3 years. For more details on all Plot Loans provided by LIC HFL click here.

　　Home Improvement Loans

　　Home Improvement loans are available for existing as well as new customers. For details on Home Improvement loans click here.

　　Home Renovation Loans

　　Home Renovation loans are available for existing as well as new customers. For details on Home Renovation loans click here.

　　Top Up Loan

　　Top Loan is additional loan over home loan provided to existing customers. To know more about top up loan click here. To know your eligibility and to apply click here.

　　Balance Transfer

　　Balance Transfer or Takeover of your existing home loan with other financial institute is also possible. To know about Balance Transfer to LIC HFL click here. To transfer your existing loan to LIC HFL click here.

　　Griha Varishtha - Home Loan for Pensioners

　　Home Loan is extended to individuals having pension benefit with loan tenure upto 80 years of age. Additional benefits are also offered to such borrowers on joint application with children. To know more click here.

　　Maximum Loan Amount and Repayment Period

　　Loan to Property Cost

　　90% of Property value for loan upto Rs.30 lakh

　　80% of Property value for loan more than Rs. 30 lakh and upto Rs.75 lakh

　　75% of Property value for loan above Rs.75 lakh

　　Maximum repayment period

　　For salaried upto 30 years

　　For self-employed upto 20 years

　　The above is subject to the repaying capacity and age of the applicant.

　　Calculator

　　Plan your Home Loan using our Calculator. Know the Home loan amount you are eligible for and the EMI against your loan.

　　Home Loan Documents

　　KYC documents:

　　Pan Card

　　Aadhaar Card

　　For NRIs, passport is required

　　Proof of residence

　　Income documents:

　　Salary slips and Form No.16 for salaried

　　Last 3 years income tax returns along with financials for self-employed or professionals

　　Bank statements for last 6 to12 months

　　Property Documents (incase property is identified):

　　Proof of ownership of property

　　In case of flats, allotment letter of builder/society

　　Up to date tax paid receipt