# Hyderabad Home Loans Source: https://hyderabadhomeloans.com/ Hyderabad Home Loans (hyderabadhomeloans.com) is run by Elite Associates, an authorised Direct Selling Agent (DSA) of LIC Housing Finance Ltd (LIC HFL) since 2002, based in Kukatpally, Hyderabad. We help home buyers in Hyderabad, Secunderabad, Sangareddy and Medchal choose the right LIC HFL loan, check eligibility, prepare documents and follow the file to disbursement. LIC HFL assesses, sanctions and disburses every loan. ## Key facts - LIC HFL home loan rates start from 7.15% p.a. for eligible borrowers (updated September 2026). The rate offered depends on CIBIL score, loan amount, profile and LIC HFL credit policy — confirm the current rate with us. - Other schemes: Plot Loan: from 7.35%; Griha Suvidha: from 7.40%; Griha Sugam: from 10.75%–11.00%; Sure Fixed Scheme: from 10.00%; Loan Against Property: from 9.70%; LAP for Companies: from 10.75%; Lease Rental Securitization: from 11.35%. - No pre-payment charges on LIC HFL home loans (per LIC HFL); terms for special or fixed-rate schemes can differ. - LIC HFL APF-approved projects: faster processing (legal and technical checks already done), and special offers and fee concessions are often available — ask for the current offer. - RBI loan-to-value limits: up to 90% of property value for loans up to ₹30 lakh, 80% for ₹30–75 lakh, 75% above ₹75 lakh. - Authorised LIC HFL DSA since 2002; free eligibility check; help with documents, APF-approved projects, balance transfer, plot and construction loans. - Phone / WhatsApp: +91-8886249998 - Email: vijayarjun.lichfl@gmail.com - Office: First Floor, Above Siri Pearls and Jewellers, Near JNTU Metro, Hydernagar, Kukatpally, Hyderabad, Telangana 500085 - Areas served: Hyderabad, Secunderabad, Sangareddy, Medchal - Website: https://hyderabadhomeloans.com/ ## Loan products - [Home Loan](https://hyderabadhomeloans.com/2024/07/25/home-loans-in-hyderabad/): Buy a new, under-construction or resale flat or independent house. Ideal for: Salaried & self-employed buyers. Rates from 7.15%*. - [Plot Loan](https://hyderabadhomeloans.com/plot-loan-in-hyderabad/): Buy a residential plot from a development authority or approved layout — or combine plot + construction. Ideal for: Plot buyers in approved layouts. Up to 75% of plot value, up to 15 years. - [Home Loan for Pensioners](https://hyderabadhomeloans.com/home-loan-for-pensioners-hyderabad/): For pensioners under Defined Benefit Pension Schemes and government / PSU employees eligible for pension. Ideal for: Pensioners & senior citizens. Tenure up to age 80 or 30 years. - [Home Loan for NRI](https://hyderabadhomeloans.com/nri-home-loan-hyderabad/): Buy a home in Hyderabad while living and working abroad. Ideal for: Non-Resident Indians. No pre-payment charges. - [Griha Suvidha Home Loan](https://hyderabadhomeloans.com/griha-suvidha-home-loan/): For applicants paid partly in cash, those nearing retirement, or self-employed borrowers who need a longer tenure. Ideal for: Cash-salaried, near-retirement & self-employed. More flexible income assessment. - [Griha Suvidha Asha Home Loan](https://hyderabadhomeloans.com/griha-suvidha-asha-home-loan/): Home loans for Group D / Class IV employees and self-employed borrowers, backed by a mortgage guarantee. Ideal for: Group D employees & self-employed. Home ownership made accessible. - [Griha Sugam](https://hyderabadhomeloans.com/griha-sugam-home-loan/): For small business owners — kirana, garment, hardware shops — without formal income proof. Ideal for: Shop owners without ITRs. No ITR needed — 3-year business vintage. - [Sure Fixed Scheme](https://hyderabadhomeloans.com/sure-fixed-home-loan-scheme/): A fixed rate of interest for self-employed borrowers. Ideal for: Self-employed who want certainty. EMI stays the same throughout. - [Home Renovation Loan](https://hyderabadhomeloans.com/home-renovation-loan-hyderabad/): Repairs and improvements to the home you already own. Ideal for: Existing home owners. Upgrade without selling. - [Home Construction Loan](https://hyderabadhomeloans.com/home-construction-loan-hyderabad/): Build a house on a plot you already own. Ideal for: Plot owners ready to build. Released in stages as work progresses. - [Home Extension Loan](https://hyderabadhomeloans.com/home-extension-loan-hyderabad/): Add a floor or extra rooms to your existing home. Ideal for: Growing families. More space in the home you love. - [Home Loan Balance Transfer](https://hyderabadhomeloans.com/home-loan-balance-transfer-hyderabad/): Move your existing home loan from another lender to LIC HFL. Ideal for: Borrowers paying a higher rate. A lower rate can cut your EMI or tenure. - [Loan Against Property](https://hyderabadhomeloans.com/loan-against-property-hyderabad/): Raise funds against your completed residential house or flat. Ideal for: Resident individuals who own a home. Up to 15 years to repay. - [Loans to Professionals](https://hyderabadhomeloans.com/loan-for-professionals-for-office-and-practice/): Buy or build an office or clinic for your practice. Ideal for: Doctors, CAs, architects, engineers. Built for professional practices. - [Loan Against Property for Companies](https://hyderabadhomeloans.com/loan-against-property-for-companies-hyderabad/): Funding for companies against completed office premises. Ideal for: Listed & unlisted companies. Up to 10 years to repay. - [Loan Against Rental Securitization](https://hyderabadhomeloans.com/lease-rental-discounting-hyderabad/): A loan against the rent from leased office premises. Ideal for: Companies with leased office premises. Rent receivables turned into capital. ## Calculators - [Home Loan EMI Calculator](https://hyderabadhomeloans.com/emi-calculator/): Your monthly EMI, total interest and a full repayment schedule. - [Home Loan Eligibility Calculator](https://hyderabadhomeloans.com/income-eligibility-calculator/): How much you can borrow from your income, age and existing EMIs. - [Home Loan Prepayment Calculator](https://hyderabadhomeloans.com/home-loan-prepayment-calculator/): Interest and EMIs saved by part-payments, with a revised schedule to download. - [Home Loan Balance Transfer Calculator](https://hyderabadhomeloans.com/home-loan-balance-transfer-calculator/): What you save by moving your home loan to a lower rate. - [Down Payment Calculator](https://hyderabadhomeloans.com/home-loan-down-payment-calculator/): Your down payment plus stamp duty, registration and GST — the cash you need upfront. - [Rent vs Buy Calculator](https://hyderabadhomeloans.com/rent-vs-buy-calculator/): Compare your wealth after years of renting and investing vs buying with a loan. ## FAQs ### Are you LIC Housing Finance? No. Hyderabad Home Loans is run by Elite Associates, an authorised Direct Selling Agent (DSA) of LIC Housing Finance Ltd since 2002. We help you choose the right scheme and prepare your application; LIC HFL assesses and sanctions the loan. ### What is the current LIC HFL home loan interest rate? LIC HFL home loan rates currently start from 7.15% for eligible borrowers (updated September 2026). The rate you get depends on your CIBIL score, loan amount, employment type and LIC HFL credit policy. We confirm the applicable rate before you apply. ### How much home loan can I get? It depends on your income, existing EMIs, age and tenure. RBI also limits the loan to 90% of the property value for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh. Use the eligibility check on this page for an indicative figure. ### Are there pre-payment charges? LIC HFL states that its home loans have no pre-payment charges, so you can make part-payments or close the loan early without a penalty. Terms for special or fixed-rate schemes can differ — we confirm this for your scheme. ### What is an APF-approved project? It is a housing project whose legal and technical checks LIC HFL has already completed (Approved Project Finance). Loans for flats in these projects are usually processed faster, and special offers and fee concessions are often available — ask us what applies to your project. ### Can NRIs apply for a home loan in Hyderabad? Yes. LIC HFL offers a Home Loan for NRIs, with no pre-payment charges. We guide you through the documents and process remotely. ### I am self-employed without ITRs. Can I get a home loan? Possibly. LIC HFL’s Griha Sugam scheme is designed for small business owners without formal income proof, based on a proven three-year business vintage. Talk to us to check if you qualify. ### Which areas do you serve? We assist home buyers across Hyderabad, Secunderabad, Sangareddy and Medchal. Our office is near JNTU Metro in Kukatpally. --- Hyderabad Home Loans — authorised DSA of LIC Housing Finance Ltd since 2002. Free eligibility check: https://hyderabadhomeloans.com/. Phone / WhatsApp +91-8886249998.