Home Loan
Buy a new, under-construction or resale flat or independent house.
- Ideal for:
- Salaried & self-employed buyers
- Key benefit
- Rates from 7.15%*
Authorised DSA of LIC Housing Finance Ltd · Since 2002
Home loans in Hyderabad,
made simple.
Find the right LIC HFL loan, understand your eligibility and estimate your EMI — with Vijay Arjun guiding you from application to disbursement.
- 7.15%*
LIC HFL rates from - No pre-payment
charges on home loans - LIC HFL recognised
Appreciation FY 2023-24
Check your home loan eligibility
Takes 20 seconds. No personal details needed.
- Authorised LIC HFL DSA since
- 2002
- LIC HFL Certificate of Appreciation
- FY 23-24
- Home loan rates from
- 7.15%*
- Pre-payment charges
- ₹0
LIC HFL loan products
Explore loan solutions
The complete LIC Housing Finance range — from your first home to a loan against property. Pick one to check eligibility, or talk to us if you’re not sure.
Plot Loan
Buy a residential plot from a development authority or approved layout — or combine plot + construction.
- Ideal for:
- Plot buyers in approved layouts
- Key benefit
- Up to 75% of plot value, up to 15 years
Home Loan for Pensioners
For pensioners under Defined Benefit Pension Schemes and government / PSU employees eligible for pension.
- Ideal for:
- Pensioners & senior citizens
- Key benefit
- Tenure up to age 80 or 30 years
Home Loan for NRI
Buy a home in Hyderabad while living and working abroad.
- Ideal for:
- Non-Resident Indians
- Key benefit
- No pre-payment charges
Griha Suvidha Home Loan
For applicants paid partly in cash, those nearing retirement, or self-employed borrowers who need a longer tenure.
- Ideal for:
- Cash-salaried, near-retirement & self-employed
- Key benefit
- More flexible income assessment
Griha Suvidha Asha Home Loan
Home loans for Group D / Class IV employees and self-employed borrowers, backed by a mortgage guarantee.
- Ideal for:
- Group D employees & self-employed
- Key benefit
- Home ownership made accessible
Griha Sugam
For small business owners — kirana, garment, hardware shops — without formal income proof.
- Ideal for:
- Shop owners without ITRs
- Key benefit
- No ITR needed — 3-year business vintage
Sure Fixed Scheme
A fixed rate of interest for self-employed borrowers.
- Ideal for:
- Self-employed who want certainty
- Key benefit
- EMI stays the same throughout
Product names and features as published by LIC Housing Finance Ltd. Eligibility, rates and terms are decided by LIC HFL.
Compare all loan products
Loan finder
What are you planning to finance?
Choose one — we’ll show the loan that fits.
Recommended
Home Loan
Buy a new, under-construction or resale flat or independent house.
Rates from 7.15%*
Recommended
Griha Suvidha Home Loan
For applicants paid partly in cash, those nearing retirement, or self-employed borrowers who need a longer tenure.
More flexible income assessment
Tip: Buying in an LIC HFL APF-approved project usually means faster processing — and special offers or fee concessions are often available.
Why LIC HFL
Why take your home loan from LIC Housing Finance?
LIC Housing Finance Ltd is promoted by the Life Insurance Corporation of India and has been financing homes since 1989.
- Promoted by
- LIC of India
- Listed on
- NSE & BSE
Trust of the LIC brand
Your loan is with a housing finance company promoted by LIC of India, one of the most trusted names in Indian finance.
Rates linked to your CIBIL
Rates start from 7.15%* for eligible borrowers. We help you understand where you stand before you apply.
No pre-payment or part-payment charges
Pay off early or make part-payments whenever you have surplus funds, without a penalty.
Transparent process
You know every step, document and fee up front — and we keep you updated at each stage, from login to sanction and disbursement.
Insurance is not compulsory
You are not forced to buy insurance with your loan, and you don’t pay EMI on a bundled premium.
Higher eligibility, right scheme
Griha Suvidha, Home Loan for Pensioners, NRI Home Loan and Sure Fixed let us match the scheme to your profile.
APF projects: faster, with special offers
Projects already approved by LIC HFL have their legal and technical checks done in advance — and special offers and fee concessions are often available on them.
Local Hyderabad expertise
We know the projects, layouts and documentation across Hyderabad, Secunderabad, Sangareddy and Medchal.
*Starting rate for eligible borrowers; the rate offered depends on CIBIL score, loan amount, profile and LIC HFL credit policy. Fees, offers and scheme availability are at LIC HFL’s discretion and confirmed in your sanction letter.
Why apply through us
Recognised by LIC Housing Finance
Elite Associates has been an authorised LIC HFL DSA since 2002. Our work has been recognised by LIC HFL’s leadership, including a Certificate of Appreciation for business performance in FY 2023-24.
APF approved
LIC HFL approved projects in Hyderabad
Legal and technical checks on these projects are already done by LIC HFL, so your loan moves faster — and special offers and fee concessions are often available.
APF approved 
Urbanrise – The World of Joy
Miyapur
LIC HFL home loan available
Check loan eligibility for this project
APF approved 
APF approved
APF approved
APF approved
Honer Signatis
Kukatpally – Hitec City
LIC HFL home loan available
Check loan eligibility for this project
APF approved
APF approved
Auroland by Auro Realty
Patancheru · Villa plots
LIC HFL home loan available
Check loan eligibility for this project
Many more approved projectsSee the full list →
Approval status is as per LIC HFL at the time of listing and may change. Project names and images belong to their respective developers.
How it works
From first call to disbursement
-
01
Understand your requirement
A short call to understand the property, budget and timeline.
-
02
Check eligibility
We assess income, existing EMIs, age and CIBIL score to size your loan.
-
03
Select the right loan
We match you to the LIC HFL scheme that fits your profile best.
-
04
Documentation & processing
We check your documents before they go to LIC HFL, then track the file.
-
05
Disbursement
LIC HFL completes legal & technical checks, sanctions and disburses.
Be ready
Home loan document checklist
Tick off what you already have. Having these ready is the quickest way to a faster sanction.
LIC HFL may ask for additional documents depending on your profile and property.
Get your documents checkedIdentity & address 0 / 4
Income — salaried 0 / 3
Income — self-employed 0 / 3
Bank statements 0 / 3
Property documents 0 / 5
FAQ
Questions we hear every day
No. Hyderabad Home Loans is run by Elite Associates, an authorised Direct Selling Agent (DSA) of LIC Housing Finance Ltd since 2002. We help you choose the right scheme and prepare your application; LIC HFL assesses and sanctions the loan.
LIC HFL home loan rates currently start from 7.15% for eligible borrowers (updated September 2026). The rate you get depends on your CIBIL score, loan amount, employment type and LIC HFL credit policy. We confirm the applicable rate before you apply.
It depends on your income, existing EMIs, age and tenure. RBI also limits the loan to 90% of the property value for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh. Use the eligibility check on this page for an indicative figure.
LIC HFL states that its home loans have no pre-payment charges, so you can make part-payments or close the loan early without a penalty. Terms for special or fixed-rate schemes can differ — we confirm this for your scheme.
It is a housing project whose legal and technical checks LIC HFL has already completed (Approved Project Finance). Loans for flats in these projects are usually processed faster, and special offers and fee concessions are often available — ask us what applies to your project.
Yes. LIC HFL offers a Home Loan for NRIs, with no pre-payment charges. We guide you through the documents and process remotely.
Possibly. LIC HFL’s Griha Sugam scheme is designed for small business owners without formal income proof, based on a proven three-year business vintage. Talk to us to check if you qualify.
We assist home buyers across Hyderabad, Secunderabad, Sangareddy and Medchal. Our office is near JNTU Metro in Kukatpally.
Talk to an expert
Want to know your actual eligibility?
Share a few details and Vijay Arjun will call you back with your eligibility, the best-fit LIC HFL scheme and the documents you need. No obligation.
- Free eligibility assessment
- Right scheme for your profile
- Documentation checked before submission