from7.15%*
Home Loan
Buy a new, under-construction or resale flat or independent house.
- Ideal for:
- Salaried & self-employed buyers
- Key benefit
- Rates from 7.15%*
LIC Housing Finance offers a loan for almost every housing need — buying a flat or a plot, building or improving a home, moving an existing loan, or raising funds against property. As an authorised LIC HFL Direct Selling Agent in Hyderabad since 2002, we help you pick the right scheme, check your eligibility and take your file through to disbursement.
Housing Loans
from7.35%*
Plot Loan
Buy a residential plot from a development authority or approved layout — or combine plot + construction.
- Ideal for:
- Plot buyers in approved layouts
- Key benefit
- Up to 75% of plot value, up to 15 years
from7.15%*
Home Loan for Pensioners
For pensioners under Defined Benefit Pension Schemes and government / PSU employees eligible for pension.
- Ideal for:
- Pensioners & senior citizens
- Key benefit
- Tenure up to age 80 or 30 years
from7.15%*
Home Loan for NRI
Buy a home in Hyderabad while living and working abroad.
- Ideal for:
- Non-Resident Indians
- Key benefit
- No pre-payment charges
from7.40%*
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
- Key benefit
- More flexible income assessment
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
- Key benefit
- Home ownership made accessible
10.75%–11.00%*
Griha Sugam
For small business owners — kirana, garment, hardware shops — without formal income proof.
- Ideal for:
- Shop owners without ITRs
- Key benefit
- No ITR needed — 3-year business vintage
from10.00%*
Sure Fixed Scheme
A fixed rate of interest for self-employed borrowers.
- Ideal for:
- Self-employed who want certainty
- Key benefit
- EMI stays the same throughout
For Your Needs
from7.15%*
Home Renovation Loan
Repairs and improvements to the home you already own.
- Ideal for:
- Existing home owners
- Key benefit
- Upgrade without selling
from7.15%*
Home Construction Loan
Build a house on a plot you already own.
- Ideal for:
- Plot owners ready to build
- Key benefit
- Released in stages as work progresses
from7.15%*
Home Extension Loan
Add a floor or extra rooms to your existing home.
- Ideal for:
- Growing families
- Key benefit
- More space in the home you love
Refinance
from7.15%*
Home Loan Balance Transfer
Move your existing home loan from another lender to LIC HFL.
- Ideal for:
- Borrowers paying a higher rate
- Key benefit
- A lower rate can cut your EMI or tenure
Other Loans
from9.70%*
Loan Against Property
Raise funds against your completed residential house or flat.
- Ideal for:
- Resident individuals who own a home
- Key benefit
- Up to 15 years to repay
Loans to Professionals
Buy or build an office or clinic for your practice.
- Ideal for:
- Doctors, CAs, architects, engineers
- Key benefit
- Built for professional practices
from10.75%*
Loan Against Property for Companies
Funding for companies against completed office premises.
- Ideal for:
- Listed & unlisted companies
- Key benefit
- Up to 10 years to repay
from11.35%*
Loan Against Rental Securitization
A loan against the rent from leased office premises.
- Ideal for:
- Companies with leased office premises
- Key benefit
- Rent receivables turned into capital
*Starting rates as published on lichousing.com, last updated September 2026. Your rate depends on your CIBIL score, profile and loan amount; sanction and terms are at LIC HFL’s discretion.
Not sure which one?
We’ll match you to the right scheme
Tell us what you’re planning. Vijay Arjun will call you back with your eligibility, the best-fit LIC HFL product and the documents you need. No obligation.