# Sure Fixed Home Loan Scheme

Source: https://hyderabadhomeloans.com/sure-fixed-home-loan-scheme/ · Updated 26 Sep 2026

A fixed rate of interest for self-employed borrowers — the same EMI for the whole tenure.

- Fixed rate: 10.00%*
- For: Self-employed
- Loan: Up to ₹15 Cr
- EMI: Stays fixed

Sure Fixed is LIC HFL’s fixed-rate home loan for self-employed borrowers. Your rate — and your EMI — stay the same for the entire tenure, whatever happens to market rates.

Fixed rates are usually higher than floating rates, so it suits borrowers who value certainty over the chance of paying less if rates fall. We’ll help you compare both before you decide.

## Who can apply

- Self-employed borrowers
- Business owners who want a predictable EMI for budgeting

## Key features

- Interest rate stays fixed for the whole tenure
- Unaffected by market rate changes
- Constant monthly payments make planning easier
- Trade-off: fixed rates are usually higher than floating rates, and you won’t benefit if rates fall

## 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.

## FAQs

### Should I choose fixed or floating?

Fixed gives you a guaranteed EMI but usually a higher rate (from 10.00% vs 7.15% floating today). Floating is cheaper now but moves with rates. We’ll show you both EMIs side by side.

### Who can apply for Sure Fixed?

It’s designed for self-employed borrowers, for loans up to ₹15 crore.

### Can I pre-pay a fixed-rate loan?

Pre-payment terms for fixed-rate loans can differ from floating-rate loans. We’ll confirm the current terms with LIC HFL for your loan before you sign.



---

Hyderabad Home Loans — authorised DSA of LIC Housing Finance Ltd since 2002. Free eligibility check: https://hyderabadhomeloans.com/. Phone / WhatsApp +91-8886249998.