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  LIC Home Loan

LIC Housing Finance Limited is one of the leading players in the home loan segment. Incorporated on June, 19, 1989 and promoted by the Life Insurance Corporation of India, LIC Housing Finance Limited boasts of an extensive distribution network and a massive brand presence by virtue of being one of the earlier entrants in the market for housing loans.

LIC offers home loans for construction/purchase of house/flat and also for renovation of existing flat/house. LIC Griha Prakash and Griha Laxmi loans are for purchase and construction of properties and the maximum loan offered can go up to Rs 1 crore. In both the cases the home loan finances up to 85% maximum of the cost of the property which is inclusive of agreement value, stamp duty and registration charges.

LIC Griha Sudhar Loan facilitates repairs/renovation of properties. The maximum loan amount can be up to Rs.10 lacs and the loan to property cost won't exceed 85% of Cost of Repairs or 25% of Market Value of Property, whichever is lower.

LIC Griha Prakash loans are meant for extension of residential units and the loan amounts range from Rs. 25,000 to Rs.1,00,00,000. The company finances up to 85% of the total cost of the property including Stamp Duty and Registration Charges. The maximum repayment period can be up to 20 years or retirement age or 70 years of age, whichever is earliest.


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