LIC Housing Finance Home Loan – TyTil

LIC Housing Finance offers accessible and flexible home loans with competitive interest rates and long repayment tenures, making it easier for you to own your dream home. With minimal documentation, a digital-first journey, and tailored guidance for both salaried and self-employed applicants, LIC Housing Finance ensures a seamless borrowing experience from application to disbursal.
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Why Choose LIC Housing Finance for Your Home Loan?

LIC Housing Finance combines the trust of LIC with modern, customer-centric lending solutions. Borrowers benefit from transparent processes, expert advisory, concessional rates for eligible profiles, and quick approvals backed by strong branch and digital support. Whether you’re buying a new property, constructing on an existing plot, or transferring an existing loan, LIC Housing Finance provides tailor-made plans to help you own your dream home sooner.

Key Features of LIC Housing Finance Home Loans

  • Customer Support

    Dedicated Customer Support

    Get personalised assistance from LIC Housing Finance experts who guide you through every step, from documentation to disbursal.

  • Interest Rates

    Attractive Interest Rates

    LIC Housing Finance home loan interest rates start from 6.75% p.a. for eligible applicants. Rates are tailored to credit score, loan amount, and applicant profile, ensuring you get a competitive offer with every application.

  • Flexible

    Flexible Repayment Tenure

    Plan your EMIs over a tenure of up to 30 years, making repayments comfortable and aligned with your financial goals—ideal for salaried, self-employed, and NRI applicants.

  • loan facility

    High Loan-to-Value Ratio

    LIC Housing Finance funds up to 90% of the property value (subject to eligibility), allowing you to preserve savings while accessing higher loan amounts tailored to your profile.

  • Secure & transparent policies

    No Hidden Charges

    Benefit from transparent pricing with nil prepayment and foreclosure charges on floating-rate loans for individual borrowers, helping you save more if you decide to repay early.

Types of Home Loans Offered by LIC Housing Finance

  • Regular Home Loan: Finance the purchase or construction of your home with flexible repayment options, competitive rates, and simple documentation processes.
  • Griha Suvidha Home Loan: Designed for salaried and self-employed borrowers who need extended tenures, higher eligibility, or cash-salary flexibility to make EMIs more comfortable.
  • Balance Transfer + Top-Up: Move your existing home loan to LIC Housing Finance to enjoy lower rates and add a convenient top-up to fund interiors, education, or other big-ticket expenses.
  • Home Improvement & Extension Loans: Upgrade, renovate, or expand your current property with quick approvals and disbursals aligned to project milestones.
  • PMAY & NRI Home Loans: Specialised products for eligible PMAY beneficiaries and non-resident Indians with dedicated documentation support and attractive pricing.

LIC Housing Finance Home Loan Interest Rates

Loan Type CIBIL ≥ 700 (Salaried & Professional) CIBIL ≥ 700 (Non-Salaried & Non-Professional) CIBIL 650-699 (Salaried & Professional) CIBIL 650-699 (Non-Salaried & Non-Professional) CIBIL 600-649 (Salaried & Professional) CIBIL 600-649 (Non-Salaried & Non-Professional)
Loans up to ₹50 Lakhs 7.10% 7.20% 7.30% 7.40% 7.50% 7.60%
Loans ₹50 Lakhs to ₹1 Crore 7.30% 7.40% 7.60% 7.70% 7.70% 7.80%
Loans ₹1 Crore to ₹3 Crores 7.40% 7.50% 7.70% 7.80% 7.70% 7.80%
Loans ₹3 Crores to ₹15 Crores 7.50% 7.60% 7.70% 7.80% 7.80% 7.90%
Griha Sidhi (₹2-15 Crores) 6.90% 7.00% — —
Up to ₹2 Crore 6.75% 6.75% — —

Processing Fees

LIC Housing Finance typically charges a processing fee of about 0.35% of the loan amount (capped at ₹50,000) plus GST. Pre-approved and salaried profiles may enjoy discounted or waiver-based offers during campaigns.

Home Loan Eligibility Criteria

To qualify for an LIC Housing Finance home loan, applicants should meet the following criteria:

  • Age: Minimum 21 years at application; typically up to 60 years (salaried) and 65 years (self-employed) at loan maturity.
  • Employment: Salaried, self-employed, professionals, and eligible NRIs.
  • Credit Score: A CIBIL score of 700+ helps secure the best rates, though LIC Housing Finance also has offerings for lower scores.
  • Income: Stable monthly income with EMI-to-income ratio typically within 60%.
  • Co-applicants: Allowed to improve eligibility and access higher loan amounts.

Required Documents for LIC Housing Finance Home Loan

Identity & Address Proof

  • PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License
  • Utility bill, Aadhaar, Passport, or rent agreement for address verification

Income Proof

  • Salaried: Recent salary slips, Form 16, and last 6–12 months’ bank statements
  • Self-Employed/Professionals: Last 3 years’ ITR, financial statements, GST returns, and business continuity proof

Property Documents

  • Sale deed, allotment letter, or agreement to sell
  • Title deed, encumbrance certificate, and latest property tax receipts
  • Approved building plan and cost estimate for construction/extension loans

How to Apply for LIC Housing Finance Home Loan via TyTil .com

Applying for an LIC Housing Finance home loan through TyTil .com is simple and hassle-free:

  • Visit TyTil 's Home Loan section ​
  • Fill out the online application with your details
  • Upload KYC, income, and property documents
  • Receive instant eligibility confirmation
  • Get expert guidance and track your application status
  • Loan gets disbursed post-approval directly to the seller or as per requirement

Benefits of Applying with TyTil .com

  • Digital Application Process – Apply from anywhere, anytime ​
  • Dedicated Loan Advisors – Get personalized support for the best deal
  • Real-time Updates – Know your eligibility and status instantly
  • Multiple Loan Offers – Compare options from top banks in one place
  • End-to-End Assistance – From documentation to disbursal

The basic documents required for home loan are listed here:

Start Your Homeownership Journey with LIC Housing Finance

Whether you are buying your first home or planning to build your dream house, LIC Housing Finance Home Loans provide a secure, stress-free path to ownership. Apply through TyTil .com and unlock exclusive benefits, faster approvals, and expert support. Choose the right housing loan with confidence and move into your dream home sooner than you imagined.

Money Bag
EMI Calculator
You are Eligible for EMI Amount
₹56,409
Principal Amount
₹6,500,000
Interest Amount
₹7,038,042
Why TyTil for Home Loan?
  • Offers from 34+ Banks
  • Lowest Interest Rate
  • Highest Loan Value
Check Bank Offers
8,000,000₹
8.5 p.a
20 years

You are Eligible for EMI Amount

0
Principal Amount
0
Interest Amount
7,038,042
Why TyTil for Home Loan?
  • Offers from 34+ Banks
  • Lowest Interest Rate
  • Highest Loan Value

Need a more accurate EMI estimate?

Get Pre - Qualified
₹8,000,000
8.5%
20 p.a

You are Eligible for EMI Amount

₹69,426
Principal Amount
₹8,000,000
Interest Amount
₹8,662,206
Why TyTil for Home Loan?
  • Offers from 34+ Banks
  • Lowest Interest Rate
  • Highest Loan Value

Need a more accurate EMI estimate?

Get Pre - Qualified

How to Apply for LIC Housing Finance Home Loan

Check Eligibility
Review the bank’s eligibility criteria, such as age, income, employment type, and property type, to ensure you qualify for the home loan.
Gather Required Documents
Prepare all necessary documents, including identity proof, address proof, income proof, and property-related documents, for a smooth application process.
Submit Application
Visit the nearest LIC Housing Finance branch or fill out the https://www.tytil.com/homeloan and submit the required documents.
Loan Approval and Disbursal
The bank will verify your documents, assess your eligibility, and sanction the loan. Once approved, the loan amount will be disbursed to your account or directly to the property seller as applicable.
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Contact Us

Have any queries? We'd love to hear from you.

📞 Call us: +91 7065663434

Mail us: support@tytil.com

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