Home Loan
Buy a new, under-construction or resale flat or independent house.
- 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.
*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
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.
Yes. LIC HFL offers a top-up loan at an attractive rate along with the balance transfer.
Your latest loan statement, the list of property documents with your current lender, plus your KYC and income documents.
Helpful guides
Compare
All LIC HFL loan products Other loans to consider
Loan Against Property
Raise funds against your completed residential house or flat.
Home Renovation Loan
Repairs and improvements to the home 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.