Home Renovation Loan
Repairs and improvements to the home you already own.
- Rates from
- 7.15%*
- Funding
- Up to 90%
- Salaried
- Up to 30 yrs
- Self-employed
- Up to 25 yrs
An LIC HFL Home Extension Loan finances adding space to your existing home — an extra floor, rooms or other structural additions.
Who can apply
- Owners of an independent house
- Salaried, self-employed, professional and NRI borrowers
- New and existing LIC HFL customers
Key features
- 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
- Repayment up to 30 years for salaried and 25 years for self-employed applicants
- Simple documentation, quick sanction and low EMI
Documents to keep ready
- Ownership documents of the existing house
- Approved plan for the extension
- Cost estimate from an engineer / architect
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. LIC HFL will need the approved plan for the extension along with a cost estimate.
An extension loan adds new built-up area (floors or rooms); a renovation loan covers repairs and improvements to the existing space.
Up to 30 years for salaried and 25 years for self-employed applicants, subject to age and repaying capacity.
Helpful guides
Compare
All LIC HFL loan products Other loans to consider
Home Construction Loan
Build a house on a plot you already own.
Home Loan
Buy a new, under-construction or resale flat or independent house.
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.