The official website of LIC Housing Finance is www.lichousing.com. It was founded in June 19, 1989 as the biggest Home Loan provider with an attractive interest rate. LIC Housing Finance Limited provides advantages of home loans to Resident Indian Non Resident Indian as well. Any Indian who lives in the country or abroad can also apply for home loans in the various schemes. It offers good facilities for their esteemed customers like Green Channel, Step-Up with EMI facility dedicated to NRAs in the Gulf region. Many of the schemes, LIC Home Loans offer a flexible period for repayment of the loan amount to be paid back without any difficulty.

LIC Housing Finance

LIC Housing Finance offers long term finance for purchasing a new house, flat or a residential plot. Sometimes it also provides loans for construction, remodeling, repair or renovation of existing houses or flats with fixed Front End Charges (FEC) of 1% of the total loan amount. LIC Home Loans charges different interest rates in different cities. If you want to know interest rate of your city you have to logon in the official website of LIC Home Loans India.

How to do register and login in your account?

If you want to register in the LIC Housing Finance, for that you have to enter your login ID and password. After that, select question for password and also enter the answer. Now, write your full name with address and phone number. Then, enter your email address, PAN card number, date of birth and press ‘submit’ option. If you want to login in your account for that, you have to login ID and password then press ‘login’ button. If you have forgotten you password then press ‘Forgot password’ option.

LIC Housing Finance also provides Loan Eligibility Calculator to calculate interest rate. If you want to use calculator, for that you have to indicate compulsory fields and enter your age and also specify if you are NRI. If you are NRI then select your Profession and occupation. Now, write your net income of month and rate of interest. Then, write down your total cost of the proposed property in Rupees and describe the amount which you want to spare towards loan per month. Lastly, enter loan amount and repayment term and press ‘calculate’ button.

Products of LIC Housing Finance:

Amit Shah(Home Purchase)
Loan Amount Min. Rs. 25,000 – Max.Rs.1,00,00,000.
Loan to Property Cost 85% of total Cost of the property including Stamp Duty and Registration Charges.
Loan Term Upto 20 Years or Retirement Age or 70 years of Age, whichever is earliest.
Repayment Mode Equated Monthly Installments(EMI) – Monthly Rest Basis
Security 1. Equitable Mortgage of House/Flat

2. One Guarantor.
Risk Cover Any existing or new policy under any acceptable plan of insurance (issued by LIC of India) on the lives of the applicants, having risk cover to the extent of loan amount.
Front End Charges 1.00% of Loan Sanctioned.
Amit Shah(Home Construction)
Loan Amount Min. Rs. 25,000 – Max.Rs.1,00,00,000
Loan to Property Cost 85% of total Cost of the property including Stamp Duty and Registration Charges.
Loan Term Upto 20 Years or Retirement Age or 70 years of Age, whichever is earliest.
Repayment Mode Equated Monthly Installments(EMI) – Monthly Rest Basis
Security 1. Equitable Mortgage of House/Flat

2. One Guarantor.
Risk Cover Any existing or new policy under any acceptable plan of insurance (issued by LIC of India) on the lives of the applicants, having risk cover to the extent of loan amount
Front End Charges 1.00% of Loan Sanctioned.
Amit Shah(Home Extension)
Loan Amount Min. Rs. 25,000 – Max.Rs.1,00,00,000
Loan to Property Cost 85% of total Cost of the property including Stamp Duty and Registration Charges.
Loan Term Upto 20 Years or Retirement Age or 70 years of Age, whichever is earliest.
Repayment Mode Equated Monthly Installments(EMI) – Monthly Rest Basis
Security 1. Equitable Mortgage of House/Flat

2. One Guarantor.
Risk Cover Any existing or new policy under any acceptable plan of insurance (issued by LIC of India) on the lives of the applicants, having risk cover to the extent of loan amount
Front End Charges 1.00% of Loan Sanctioned.
Griha Sudhar (Home Repair)
Loan Amount Upto Rs.10,00,000.
Loan to Property Cost Not exceeding 85% of Cost of Repairs or 25% of Market Value of Property, whichever is lower.
Loan Term 1 to 15 Years, or Retirement Age, or 70 years of Age, whichever is earliest.
Repayment Mode Equated Monthly Installments (EMI) – Monthly Rest Basis.
Security 1. Equitable Mortgage of House/Flat

2. One Guarantor.
Risk Cover Life Insurance Cover is not required but advisable in the interest of the Applicants.
Front End Charges 1.00% of Loan Sanctioned.
Loan for Purchase of Vacant Plots/Sites
Loan Amount Min Rs.50,000 Max Rs. 20,00,000.
Loan to Property Cost 85% of the Cost of Plot/Site.
Loan Term Upto 15 Years or Retirement Age, or 70 years of Age, whichever is earliest.
Repayment Mode By Equated Monthly Installments (EMI) – Monthly Rest Basis.
Security 1. Equitable Mortgage of House/Flat
2. One Guarantor.
Risk Cover Life Insurance Cover is not required but advisable in the interest of the Applicants.
Front End Charges 1.00% of Loan Sanctioned.

Eligibility

The minimum age limit for salaried employee is 25 years, while the maximum age limit is 58 years. On the other hand, a self-employed person can apply for LIC Home Loan, between the age of 21 and 70 years.
In case if the candidate is an NRI, he/she should have a valid Indian Passport.
The net income of salaried as well as self-employed applicant should be Rs 150000 per annum.
Documents Required
Copy of sanctioned plan and sanction letter.
One guarantor form and his/her salary certificate in our format.
If guarantor is in business or profession, a copy of his/her latest I.T.returns/assessment order is required.
Power of Attorney, wherever applicable
In case the candidate purchases house from a builder, then he/she has to provide a copy of Agreement for Sale, copy of Registration Receipt, Copies of Receipts of Payment already made and NOC from builders.
Completed application form for the sanction of LIC Home Loan
Bank Pass-book or statements for the last two years
Copy of NA permission/ULC clearance, wherever applicable
Additional Requirements
For Salaried Employees

Identity card of applicant
PF/ESIS slip of applicant
Employer’s salary certificate in our format/and latest salary slip.
TDS certificate of applicant
For Businessmen or Self-Employed Applicant
Three years’ income tax returns/assessment orders along with computation of income and statements of accounts certified by C.A.
For more information, visit www.lichousing.com.

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