Home Loan
Buy a new, under-construction or resale flat or independent house.
- Rates from
- 7.15%*
- Pre-payment
- No charges
- Tenure
- 15–20 yrs
- Funding
- Up to 90%
LIC HFL offers home loans to Non-Resident Indians and Persons of Indian Origin who are in service abroad — to buy an under-construction or ready home, construct a house, or renovate a property in India.
We coordinate the paperwork with you remotely, and with your family or power-of-attorney holder in Hyderabad, so you don’t have to fly down for every step.
Who can apply
- Non-Resident Indians (NRIs) in service
- Persons of Indian Origin (PIOs) in service
Key features
- No pre-payment charges
- Maximum term: 15 years for non-professionals, 20 years for professionals
- For purchase or construction of a house / flat, or repairs and renovation
- Takeover / balance transfer of existing home loans possible
- Online sanction facility
- Up to 90% of property value for loans up to ₹30 lakh
- Up to 80% for loans of ₹30–75 lakh
- Up to 75% for loans above ₹75 lakh
Documents to keep ready
- Passport (mandatory for NRIs), PAN, Aadhaar and proof of residence
- Salary slips and employment proof
- Bank statements for the last 6–12 months
- Property documents: ownership proof / builder allotment letter, up-to-date tax receipt
How Hyderabad Home Loans helps
- We check your eligibility and confirm whether this scheme is the best fit before you apply.
- We review your documents before they go to LIC HFL, so there are fewer queries later.
- We track your file with LIC HFL through sanction and disbursement.
*Starting rate for eligible borrowers, as published by LIC HFL (updated September 2026). Your rate depends on CIBIL score, loan amount, profile and LIC HFL credit policy — we confirm it before you apply.
Frequently asked questions
Yes. We guide you through the documents remotely and coordinate with your family or power-of-attorney holder in Hyderabad.
15 years for non-professionals and 20 years for professionals, subject to age and repaying capacity.
No. LIC HFL’s NRI home loans have no pre-payment charges, so you can pre-pay from your NRE/NRO savings without a penalty.
Helpful guides
Compare
All LIC HFL loan products Other loans to consider
Plot Loan
Buy a residential plot from a development authority or approved layout — or combine plot + construction.
Home Construction Loan
Build a house on a plot you already own.
Hyderabad Home Loans (Elite Associates) is an authorised Direct Selling Agent of LIC Housing Finance Ltd. Product names, features and rates are as published by LIC HFL; sanction, rate and terms are at LIC HFL’s sole discretion. Final eligibility is subject to lender assessment.