Home Extension Loan
Add a floor or extra rooms to your existing home.
- Rates from
- 7.15%*
- Salaried
- Up to 30 yrs
- Self-employed
- Up to 25 yrs
- Customers
- New & existing
An LIC HFL Home Renovation (Home Improvement) Loan pays for repairs and improvements to the home you already own — at home-loan rates rather than personal-loan rates.
Who can apply
- Owners of a house or flat
- 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
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
A renovation loan from LIC HFL is secured by your home, so it usually carries a much lower rate and a longer tenure than a personal loan.
Yes, the Home Renovation Loan is available to both new and existing customers.
Ownership documents for the property and an estimate of the renovation work, along with KYC and income documents.
Helpful guides
Compare
All LIC HFL loan products Other loans to consider
Home Construction Loan
Build a house on a plot you already own.
Loan Against Property
Raise funds against your completed residential house or flat.
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.