Home Loan
Buy a new, under-construction or resale flat or independent house.
- 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.
*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
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.
It’s designed for self-employed borrowers, for loans up to ₹15 crore.
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.
Helpful guides
Compare
All LIC HFL loan products Other loans to consider
Griha Sugam
For small business owners — kirana, garment, hardware shops — without formal income proof.
Home Loan Balance Transfer
Move your existing home loan from another lender to LIC HFL.
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.