LIC

उत्पाद विवरण

बैंक का नाम

LIC

अधिकतम ऋण अवधि

up to 30 years or until the borrower attains 60 years of age, whichever is earlier

अधिकतम ऋण राशि

Upto INR 2 Crore

ब्याज दर

For salaried professional for loan upto INR 50 Lakh. Cibil Score 750+ :8.75% Cibil Score 150: 9.65 %. For salaried professional for loan above INR 50 Lakh. Cibil Score 750+ :8.95% Cibil Score 150: 9.75 %. For non-salaried non-professional for loan upto INR 50 Lakh. Cibil Score 750+ :8.85% Cibil Score 150: 9.65 %. For non-salaried non- professional for loan above INR 50 Lakh. Cibil Score 750+ :9.05% Cibil Score 150: 9.85 %.

प्रकार

Floating

अग्रिम भुगतान

85 % of the house value

फीस और शुल्क

Upto INR 1 Crore 0.25% of loan amount subject to maximum of ₹15,000 + GST
Above INR 1 Crore and upto INR 2 Crore: INR 20,000 + GST
Above INR 2 Crore and upto INR 5 Crore: ₹25,000 +GST
Above INR 5 crs and upto INR 15 Crore: INR 50,000 + GST
Prepayment Penalty: NIL
Penal Interest: 2%
Late Payment Charges: Not specified.
Legal Charges: At actual.

न्यूनतम CIBIL स्कोर

150

डाउन पेमेंट और शुल्क

Griha Suvidha Home Loan

विशेष लक्षण

Housing loan is even provided to individuals who earn part of their income in cash.

पात्रता मापदंड

Salaried Employee Having No Pension: Loan term can be considered beyond retirement age, subject to payment of entire outstanding loan at the time of retirement.Maximum loan term can be extended by 10 more years post retirement i.e. if an applicant is aged 45 years and retiring at the age of 58 years, the term that can be given will be 23 years (attainment of 68 years of age).Maximum loan tenure will be 30 Years. Maximum age at the time of application of loan will be 50 Years. Self Employed Individuals Loan term beyond 70 Years and up to 75 Years of the senior applicant. Maximum loan tenure will be 30 Years. All such loans are Mortgage Guaranteed by IMGC and hence, one time premium is payable as indicated below for salaried and self-employed employees: Loan To Applicants Where Part Of Salary Is Through Cash Maximum loan tenure will be 30 Years. Loan term beyond 70 Years and up to 75 Years of the senior applicant. All such loans are Mortgage Guaranteed by IMGC and hence, one time premium is payable as indicated below for salaried and self-employed employees:

विशेष रियायत

No special concession

होम सेवर विकल्प

विशेषताएं, पात्रता और रियायत

पेशेवरों

Low interest rate starting from 8.75% p.a. Long repayment tenure of up to 30 years High loan amount of up to 85% of the property value Flexible eligibility criteria for salaried individuals who are earning less than Rs. 50,000 per month and self-employed individuals who are earning less than Rs. 6 lakhs per annum Easy documentation and quick processing No prepayment or foreclosure charges for floating rate loans.

दोष

Floating interest rate may increase in future due to market fluctuations No home saver option available No online application facility available

पक्ष विपक्ष

Application Procedure

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