Resale flat in a gated community
LIC HFL checks the seller’s title chain, the building’s approvals and occupancy certificate, and values the flat itself before it sanctions the loan.
- LIC HFL rates from
- 7.15%*
- Approved projects here
- 1
- Our office
- Hydernagar, Kukatpally
- Our fee to you
- Nil
Buying in Gachibowli? The loan that fits
Flat in a new high-rise
The loan is released in stages as the tower goes up. In an LIC HFL approved project the project checks are already done, so the loan moves faster.
Joint loan with your spouse
Two incomes raise your eligibility, which matters at the prices common here.
Already paying a home loan
On a higher rate with another lender? A balance transfer to LIC HFL can reduce your EMI or tenure.
Gachibowli, Kondapur, Madhapur and HITEC City are the heart of Hyderabad’s IT corridor. Homes here range from flats in established gated communities and older apartment blocks to new high-rise towers, and prices per square foot are among the highest in the city.
Most buyers here are salaried professionals, many buying jointly with a spouse, and a large share of homes change hands as resale. Larger loans, joint applications and resale checks all change how LIC HFL looks at your file, so it pays to plan the loan before you agree a price. Our office is close by in Hydernagar, Kukatpally, and we can go through your documents in person or on WhatsApp.
Before you pay an advance in Gachibowli
- For a ready or resale flat, ask for the occupancy certificate and the approved building plan, and check that the flat, floor and parking match them.
- For a resale flat, collect the full chain of earlier sale deeds and an encumbrance certificate, and ask the association for a no-dues letter.
- For loans above ₹75 lakh, RBI rules cap the loan at 75% of the property value — plan the rest, stamp duty and registration from your own funds.
- For a new project, check its Telangana RERA registration and the builder’s latest quarterly update on rera.telangana.gov.in before you book.
How we help
- We check your eligibility and tell you which LIC HFL scheme fits before you commit to a property.
- We check the property papers and 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 — one person, from first call to keys.
LIC HFL approved projects in Gachibowli
All approved projectsLIC Housing Finance has already completed the legal and technical checks on these projects, so a home loan here usually moves faster — and special offers and fee concessions are often available.
By neighbourhood: HITEC City (1)
What the EMI looks like
At LIC HFL’s starting rate of 7.15%*. Your own rate depends on your CIBIL score and profile.
| Loan | EMI · 20 years | EMI · 30 years | Take-home pay usually needed* |
|---|---|---|---|
| ₹75 L | ₹58,825 | ₹50,656 | ₹78,000/month |
| ₹1 Cr | ₹78,433 | ₹67,541 | ₹1,04,000/month |
| ₹1.5 Cr | ₹1,17,649 | ₹1,01,311 | ₹1,56,000/month |
*For the 30-year EMI with no other loans, assuming about 65% of take-home pay can go to EMIs. Work out your own eligibility.
Home loans in Gachibowli: common questions
LIC HFL’s Gachibowli area office is on the entire 1st floor of Ayyappa Arcade, Plot No. 22, Sy. No. 50, Janardhana Hills, Gachibowli, Hyderabad 500032 (as listed on LIC HFL’s branch locator; check it before you visit). You can apply there, or through us at our Hydernagar office near JNTU metro: the LIC HFL rate is the same and our help is free.
For a loan above ₹75 lakh, RBI allows up to 75% of the property value — up to about ₹90 lakh on a ₹1.2 crore flat — subject to your income, existing EMIs, age and CIBIL score. Adding a co-applicant usually raises the figure. Our free eligibility check gives an indicative amount in a minute.
Yes. LIC HFL finances resale flats. It checks the title chain, the building’s approvals and occupancy certificate, and lends on the lower of the agreed price and its own valuation, within RBI’s loan-to-value limits.
Yes, through a balance transfer, often with a top-up if you need one. Our balance transfer calculator shows what you could save at LIC HFL’s current rates.
LIC HFL approved projects in and around Gachibowli, Kondapur & HITEC City that we work with include Aurobindo Pearl. Home loans in approved projects are usually faster because LIC Housing Finance has already checked the project, and special offers are often available. The full list with RERA numbers is on our approved projects page.
No. As an authorised DSA of LIC Housing Finance, our help — from checking your eligibility to disbursement — is free for you. You pay only LIC HFL’s own charges, which we explain upfront.
Nearby
All areas Other areas we serve
- Home loan in Kukatpally & KPHBKukatpally, KPHB Colony, Hydernagar, Vivekananda Nagar
- Home loan in Miyapur & ChandanagarMiyapur, Chandanagar, Madinaguda, Hafeezpet
- Home loan in Nizampet & BachupallyNizampet, Bachupally, Pragathi Nagar, Bowrampet
- Home loan in Lingampally, Tellapur & KollurLingampally, Nallagandla, Tellapur, Kollur
- Home loan in Kompally & MedchalKompally, Suchitra, Dulapally, Gundlapochampally
- Home loan in Patancheru & SangareddyPatancheru, Ameenpur, Beeramguda, Isnapur
- Home loan in Kokapet, Narsingi & Financial DistrictKokapet, Narsingi, Puppalaguda, Manikonda
*Starting rate for eligible borrowers, as published by LIC HFL (updated October 2026). Hyderabad Home Loans (Elite Financial Services) is an authorised Direct Selling Agent of LIC Housing Finance Ltd, not LIC HFL. Sanction, rate and terms are at LIC HFL’s sole discretion; final eligibility is subject to lender assessment. EMIs shown are illustrations.