Home Loan
Buy a new, under-construction or resale flat or independent house.
- Rates from
- 7.15%*
- Pre-payment
- No charges
- Tenure
- 15–20 yrs
- Funding
- Up to 90%
Quick answer: Yes, NRIs and Persons of Indian Origin (PIOs) who are employed abroad can take an LIC HFL home loan in Hyderabad from 7.15% (CIBIL 825+). LIC HFL funds up to 90% of the property value, for up to 15 years (20 years for professionals), with no prepayment charges. EMIs are paid from your NRE or NRO account or by remittance, and you can complete most steps from abroad.
By Vijay Arjun V (B.Pharm, PGDM), authorised LIC HFL DSA since 2002. Rates and terms checked on lichousing.com on 13 October 2026.
LIC Housing Finance offers home loans to Non-Resident Indians and Persons of Indian Origin who are in service abroad: to buy an under-construction or ready home, build a house, buy a plot, or repair and renovate a property in India.
We coordinate the paperwork with you remotely, and with your family or power-of-attorney holder in Hyderabad, so you don’t have to fly down for every step.
What is the LIC HFL NRI home loan interest rate?
LIC HFL prices NRI home loans by CIBIL score and loan amount. Current rates for NRIs in salaried employment:
| CIBIL score | Loan up to ₹1 Cr | ₹1 Cr – ₹5 Cr |
|---|---|---|
| 825 and above | 7.15% | 7.15% |
| 800–824 | 7.35% | 7.35% |
| 775–799 | 7.50% | 7.60% |
| 750–774 | 7.60% | 7.70% |
| 725–749 | 7.80% | 7.90% |
| 700–724 | 8.10% | 8.20% |
| 600–699 | 8.90% | 9.00% |
| 201–599 | 9.70% | 9.80% |
- Little or no Indian credit history? CIBIL gives a separate new-to-credit score (101–200). LIC HFL’s rate for a score of 150–200 is 7.80% up to ₹35 lakh and 7.90% from ₹35 lakh to ₹2 Cr.
- Joint loan: LIC HFL uses the highest CIBIL score among the joint applicants, so a co-applicant with a strong score can lower the rate.
- Loans above ₹5 Cr (up to ₹15 Cr) carry slightly higher rates. Rates are floating and can change; we confirm your exact rate before you apply.
Compare with resident borrowers in LIC HFL home loan rates, October 2026, and see why the score matters in minimum CIBIL score for an LIC HFL home loan.
Who is eligible for an LIC HFL NRI home loan?
LIC HFL’s NRI home loan is for Non-Resident Indians and Persons of Indian Origin who are in service, that is, salaried employees abroad. If you run your own business abroad, talk to us before applying so we can check the right option for your profile.
- Your age and the remaining years of service decide the tenure you get.
- Your income abroad and existing EMIs decide the loan amount. Try the eligibility calculator for an indicative figure.
- You can add a co-applicant, such as your spouse. Co-owners of the property are usually co-applicants; see joint home loan with spouse.
How much can an NRI borrow, and for how long?
| Loan amount | Maximum funding (of property value) |
|---|---|
| Up to ₹30 lakh | 90% |
| ₹30 lakh – ₹75 lakh | 80% |
| Above ₹75 lakh | 75% |
The maximum term is 15 years for non-professionals and 20 years for professionals, shorter than the 30 years a resident salaried borrower can get, so EMIs are higher for the same loan. Stamp duty and registration are not funded; plan them with the down payment calculator.
EMI at 7.15% (CIBIL 825+), our calculation:
| Loan | 15 years | 20 years (professionals) |
|---|---|---|
| ₹50 lakh | ₹45,362 | ₹39,216 |
| ₹75 lakh | ₹68,043 | ₹58,825 |
| ₹1 crore | ₹90,724 | ₹78,433 |
Over 15 years, a ₹50 lakh loan costs about ₹31.7 lakh in interest; over 20 years, about ₹44.1 lakh. Try your own numbers in the EMI calculator.
What can an NRI use the loan for?
- Buying an under-construction or ready flat or house from a developer or housing board, or a resale home
- Building a house: home construction loan
- Buying a residential plot: plot loan in Hyderabad
- Repairs, renovation and extension of a home you already own: home renovation loan
- Moving an existing home loan from another lender: home loan balance transfer
NRIs can buy residential and commercial property in India but not agricultural land, plantations or farmhouses. More in NRIs buying property in Hyderabad.
How do NRIs repay an LIC HFL home loan?
RBI’s rules for housing loans to NRIs allow EMIs, interest and charges to be paid through:
- Inward remittance from abroad through normal banking channels
- Your NRE, NRO or FCNR(B) account in India
- Rent from the property bought with the loan
- A relative in India, by transfer from their bank account to the loan account
The loan itself is paid to the seller or builder; RBI does not allow it to be credited to your NRE or FCNR(B) account. The property is mortgaged to LIC HFL. Prepayments carry no charge, so you can part-pay from your NRE or NRO savings whenever you like; see the prepayment calculator.
Can I get an LIC HFL home loan without coming to India?
Mostly, yes. This is how we handle it for NRI customers:
- Eligibility on WhatsApp: share your country, job, monthly salary, existing EMIs and the property you like. We tell you the likely loan, rate and EMI.
- Document checklist: we send the exact list for your profile and check the scans before anything is submitted.
- Property check: we tell you whether the project is LIC HFL approved (APF) and how to check it on Telangana RERA before you pay an advance.
- Application and sanction: we submit your file to LIC HFL, which offers online sanction, and follow it up until the sanction letter.
- Agreement, registration and mortgage: done by you on a visit or by your power-of-attorney holder in Hyderabad. We coordinate the paperwork with them.
- Disbursement: LIC HFL pays the builder or seller directly, in stages for an under-construction home.
Documents an NRI needs for an LIC HFL home loan
| Type | Documents (as listed by LIC HFL) |
|---|---|
| KYC | Passport (mandatory for NRIs), PAN card, Aadhaar card, proof of residence |
| Income | Salary slips and proof of employment; bank statements for the last 6–12 months |
| Property (once identified) | Proof of ownership, builder or society allotment letter for flats, up-to-date tax paid receipt |
LIC HFL may ask for more depending on your country and employer. The full checklist for every applicant type is in documents required for a home loan.
Why apply through us from abroad?
- Authorised LIC HFL DSA since 2002, with more than ₹2,500 crore of home loans disbursed through us
- Same LIC HFL rate and fees as at the branch; you pay nothing extra for our service
- One contact in Hyderabad for you and your family, at our office near JNTU metro, Kukatpally
- WhatsApp updates in your time zone, from eligibility check to disbursement
More questions NRIs ask
How much home loan can an NRI get?
It depends on your monthly income (converted to rupees), existing EMIs and the shorter NRI term. At 7.15% with 50%–60% of take-home pay going to the EMI (our calculation):
| Take-home a month (in ₹) | 15 years | 20 years (professionals) |
|---|---|---|
| ₹1,00,000 | ₹55 – 66 lakh | ₹64 – 76 lakh |
| ₹2,00,000 | ₹1.10 – 1.32 crore | ₹1.27 – 1.53 crore |
The loan also cannot exceed 90%, 80% or 75% of the property value, depending on the loan size. For resident salaries, see home loan eligibility by salary.
Can my parents in Hyderabad pay the EMI?
Yes. RBI allows a relative in India to pay the EMIs by transfer from their bank account to your loan account.
Can rent from the flat pay the EMI?
Yes. Rent from the property bought with the loan is an allowed source of repayment.
Can an NRI get a home loan for a plot in Hyderabad?
Yes, for a residential plot (not agricultural land), under LIC HFL’s plot loan. See HMDA vs DTCP plot loans.
I am moving back to India. Should I apply as an NRI or wait?
Your residential status on the date of application decides the scheme and the tenure. Residents can get up to 30 years (salaried), so if you are returning soon, talk to us before you apply.
Is LIC HFL’s NRI loan the same as LIC’s NRI scheme?
LIC Housing Finance Ltd is a housing finance company promoted by LIC of India. Home loans are given by LIC HFL; we are its authorised DSA, not LIC HFL itself.
Sources: lichousing.com NRI home loan page (rates by CIBIL score and loan slab, eligibility, maximum term, funding limits, documents), checked 13 October 2026; RBI Master Direction on borrowing and lending between residents and NRIs/PIOs, section 4 (housing loans to NRIs/PIOs). EMI and interest figures are our calculations.
Hyderabad Home Loans is run by Elite Financial Services, an authorised Direct Selling Agent (DSA) of LIC Housing Finance Ltd. We are not LIC HFL. Loans are sanctioned solely at LIC HFL’s discretion; rates and fees may change.
*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
Yes. We guide you through the documents remotely and coordinate with your family or power-of-attorney holder in Hyderabad.
15 years for non-professionals and 20 years for professionals, subject to age and repaying capacity.
No. LIC HFL’s NRI home loans have no pre-payment charges, so you can pre-pay from your NRE/NRO savings without a penalty.
Helpful guides
Compare
All LIC HFL loan products Other loans to consider
Plot Loan
Buy a residential plot from a development authority or approved layout — or combine plot + construction.
Home Construction Loan
Build a house on a plot you already own.
Hyderabad Home Loans (Elite Financial Services) 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.