The property
Agreement value (excluding stamp duty, registration and GST).
Telangana: 5.5% stamp duty + 1.5% transfer duty + 0.5% registration fee.
Optional — society deposits, legal checks, interiors, moving.
Your loan & savings
Optional — to see any shortfall.
Cash you need upfront
₹0
- Down payment
- ₹0
- Stamp duty & registration
- ₹0
- GST
- ₹0
- Other costs
- ₹0
- Home loan
- ₹0
- Estimated EMI
- ₹0
- Loan covers
- –
This is an indicative estimate. Final eligibility is subject to lender assessment. Default rate is LIC HFL’s current starting rate (7.40%, updated 31 October 2026); your rate depends on your CIBIL score and LIC HFL’s credit policy. Figures are rounded. Your inputs stay on your device unless you send us your name and mobile number.
The bank never funds the full price of a home. Your down payment is the part of the price the loan doesn’t cover — and on top of it you pay stamp duty, registration and, for under-construction homes, GST. This calculator adds it all up.
How much the loan covers
- Up to 90% of the 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
These are RBI loan-to-value limits. Stamp duty and registration charges are not financed for homes above ₹10 lakh, so they must come from your own funds.
Costs in Hyderabad
- Stamp duty 4% + transfer duty 1.5% + registration fee 0.5% — about 6% of the market value or sale price, whichever is higher, in urban Telangana
- GST on under-construction homes: 5% (1% for affordable housing); none on ready homes with an occupancy certificate
- Other costs to budget: legal checks, society deposits, interiors and moving
Charges can change — confirm the current rates on the Telangana registration portal or with your builder before you pay.
Frequently asked questions
It lowers your EMI and total interest, but don’t use up your emergency fund. Keep a few months of expenses aside.
Most buyers pay a booking amount from their own funds. Get the loan sanctioned before paying large instalments, so you know exactly how much LIC HFL will fund.
Not for homes above ₹10 lakh — RBI rules exclude them from the property value used to size the loan.
Turn this estimate into a sanction
Leave your name and mobile number and Vijay Arjun will call you back with your actual eligibility, the best-fit LIC HFL scheme and the documents you need. Authorised LIC HFL DSA since 2002.