# Home Loan Balance Transfer to LIC HFL

Source: https://hyderabadhomeloans.com/home-loan-balance-transfer-hyderabad/ · Updated 26 Sep 2026

Switch your existing home loan to LIC HFL — lower EMI, plus a top-up if you need it.

- Rates from: 7.15%*
- Top-up: Available
- Pre-payment: No charges
- Tenure: Up to 30 yrs

If you’re paying a higher rate with another lender, you can transfer your outstanding home loan to LIC HFL and pay a lower rate on it — which can reduce your EMI or shorten your tenure.

You can also take a top-up loan at an attractive rate along with the transfer.

## Who can apply

- Existing home-loan borrowers with another bank or HFC
- Borrowers with a good repayment track record
- Anyone needing extra funds via a top-up

## Key features

- Lower rate of interest on your outstanding home loan
- Top-up loan at an attractive rate of interest
- No pre-payment charges
- Maximum tenure up to 30 years (salaried) / 25 years (self-employed)
- Online sanction and simple documentation
- 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

- Latest loan account statement from your current lender
- List of property documents held by your current lender
- KYC and income documents

## 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.

## FAQs

### Will a balance transfer really save me money?

It depends on the rate gap, your outstanding amount and remaining tenure, minus the costs of switching. Share your loan statement and we’ll calculate the actual saving.

### Can I take extra money when I transfer?

Yes. LIC HFL offers a top-up loan at an attractive rate along with the balance transfer.

### What documents do I need?

Your latest loan statement, the list of property documents with your current lender, plus your KYC and income documents.



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Hyderabad Home Loans — authorised DSA of LIC Housing Finance Ltd since 2002. Free eligibility check: https://hyderabadhomeloans.com/. Phone / WhatsApp +91-8886249998.