Restyled from the original MyRupaya page. Product details may be historical; confirm current terms with the provider. Source forms and embedded services are not connected.
Loan Details
Bank Name
L&T Housing Finance
Maximum Loan Tenure
25 years
Maximum Loan Amount
7.5 crore
Interest Rate
Home Loan to Self Employed Customers starting at 8.75%* rate of interest. Salaried Applicants: Interest rates 8.60% onwards.
Type
Floating
Down Payment
Get home loans up to 90% of the property value.
Fees and Charges
Processing Fee: Upto 3% on Sanctioned Amount + applicable taxes Repayment bounce charges: Rs.1,000/- + applicable taxes Late payment interest: 3% per month on overdue EMI Annual Maintenance charges: NA Duplicate NOC charges (Charge is applicable for paper copy post 3 free copies per customer): Rs 250/- + applicable taxes Repayment swap charges ( per swap): Rs 500/- + applicable taxes Additional documents charges -SOA/RPS/FC letter /Interest Certificate: Nil Valuation Charges: As per actuals Documentation Charge: As per actuals Cash pickup charge: Nil Interest Rate Conversion Charge: Rs. 1000+GST List of documents: Rs. 300/- +applicable taxes Providing Photo copies of the documents: Rs. 500/- +applicable taxes Charges incurred by LTFL for initiating action under Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act 2002 · Issue of Loan Recall Notice = Rs. 500/ – · Issue of Demand Notice = Rs. 1,000/ – · Issue of Possession Notice = Rs. 2,000/ – · Applying District Magistrate Order = Rs. 8,000/ – · Taking Physical possession = Rs. 20,000/ – Actual cost incurred will be debited for expenses pertaining to Publication of Possession Notice / Publication Demand Notice / Publication of Sale cum Auction Notice. Legal / Recovery Charges (Other than pertaining to SARFAESI): As per actuals Loan Cancellation Charges: Rs. 5000/- + applicable taxes Recovery of proportionate actual expenses from disbursement date(s), from individual borrower(s) in Home Loan – Upto 0.75% of total disbursed loan amount + applicable taxes in case of closure within 18 months • LAP – Upto 1% of total disbursed loan amount + applicable taxes in case of closure within 24 months Foreclosure / Full Prepayment Charges – Home Loan For Individual Borrowers – • Floating Rate – Nil Charge • Fixed Interest Rate – other than own source of funds. • Less than 1 year from disbursement – upto 3% on principal outstanding + applicable taxes • Post 1 year of disbursement - upto 2% on principal outstanding + applicable taxes For Non – Individual Borrowers – (Applicant/Co – applicant) • Fixed & Floating rate loan – • Less than 1 year from disbursement – upto 3% on principal outstanding + applicable taxes • Post 1 year of disbursement – upto 2% on principal outstanding + applicable taxes Pre-payment Charges – Home Loan For Individual Borrowers – • Floating Rate – Nil Charge • Fixed Interest Rate – other than own source of funds. • Less than 1 year from disbursement – upto 3% on Partial / Prepayment amount + applicable taxes • Post 1 year of disbursement – upto 2% Partial / Prepayment amount + applicable taxes For Non – Individual Borrowers – (Applicant/Co – applicant) • Fixed & Floating rate loan – • Less than 1 year from disbursement – upto 3% on Partial / Prepayment amount + applicable taxes • Post 1 year of disbursement – upto 2% Partial / Prepayment amount + applicable taxes
Minimum CIBIL Score
750
Down Payment and Fees
Home Loan
Special Features
Eligibility Criteria
Special Concession
Home Saver Option
Features, Eligibility and Concession
Pros
Cons
Pros & Cons
Product Review
About this content
Public source: Original MyRupaya page
Captured 2026-11-10T05:10:51.171155+00:00. Public page text has been preserved and restyled. Historical financial/product information may be outdated. Embedded widgets and forms are not copied or connected to live services.
