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L&T Finance Limited offers home loans at competetive interest rates depending on the credit profile of the applicants. The HFC offers various home loan schemes including New Home Loan, House Purchase Loan, Home Loan for Self-Construction, House Improvement Loan, House Extension Loan, Composite Loan and Home Loan Balance Transfer (along with home loan top up facility) to existing home loan borrowers of other banks/HFCs at lower interest rates.
Loan Option for All Home Needs
New, Renovation and Balance Transfer
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
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Check Home Loan Offers Online
15.5L Reviews
Loan Option for All Home Needs
New, Renovation and Balance Transfer
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
Compare & Choose the Best Offer
Curated Offers from Multiple Lenders
Highest Loan Approval Chances
Easy & Transparent Borrowing Process
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
| Interest Rate | 7.80% p.a. onwards |
| Paisabazaar Special Rates | 7.65% p.a. onwards |
| Loan Amount | From Rs. 20 lakh to Rs. 10 crore |
| Loan Tenure | From 3 years to 30 years |
| Processing Charges | Up to 3% of the sanctioned loan amount |
| Login Fee | Up to Rs. 5000 (inclusive of applicable taxes) (non-refundable) |
| LTV ratio | Up to 90% of the property value |
Rates as of 12th January 2026
| Name of Lender | Interest Rates |
|---|---|
| Axis Bank | 8.35% p.a. |
| Bajaj Housing Finance | 7.15% p.a. |
| Bank of India | 7.10% p.a. |
| Canara Bank | 7.15% p.a. |
| Easy Home Finance | 8.99% p.a. |
| Federal Bank | 8.75% p.a. |
| Godrej Housing Finance | 7.75% p.a. |
| HDFC Bank | 7.20%* p.a. |
| HDFC Sales Pvt. Ltd. | 7.20%* p.a. |
| Home First Finance | 8.00% p.a. |
| ICICI Bank | 7.65% p.a. |
| IDBI Bank | 7.35% p.a. |
| IDFC FIRST Bank | 8.85% p.a. |
| India Shelter Home Loan | 8.43% p.a. |
| Jio Housing Finance | 8.20% p.a. |
| Piramal Capital Housing Finance | 9.99% p.a. |
| PNB Housing Finance | 7.70%* p.a. |
| Punjab & Sind Bank | 7.30% p.a. |
| Punjab National Bank | 7.20% p.a. |
| RBL Bank | 8.20% p.a. |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% p.a. |
| Shubham Housing Finance | 10.45% p.a. |
| State Bank of India | 7.25% p.a. |
| Tata Capital Housing Finance | 7.75% p.a. |
*when applied through Paisabazaar
Rates as of 12th January 2026
| Particulars | Charges |
|---|---|
| Processing Fee | Up to 3% of sanctioned loan amount |
| Repayment / EMI bounce charges | Up to Rs. 2000 |
| Penal Charges | 2% per month on overdue EMI |
| Foreclosure / Prepayment Charges | Floating Interest Rate: Nil
Fixed Interest Rate: |
| Interest Rate Conversion Charges | 0.50% of balance loan amount (+ GST) or min. Rs. 10,000 whichever is higher |
| Legal Recovery Charges | At Actuals |
| Loan Cancellation Charges | Rs. 5000 + GST |
| List of Documents | Rs. 300 |
| Photocopies of Documents | Rs. 500 |
| Switch Charges | Up to 1% on principal outstanding loan amount |
| Non-Compliance Charges | Up to 1% p.a. of principal outstanding loan amount |
| Valuation Charges / Documentation Charges | As per Actuals |
Purpose: L&T Finance offers regular home loans to finance the construction of a new home, purchase of a home property, improvement of an existing dwelling unit and extension of and already existing home.
Loan Amount: Rs 20 lakh – Rs 10 crore
LTV Ratio: Up to 90% of property value
Tenure: Up to 25 years
Purpose: Individuals can avail Home Loan for Self-Construction from L&T Finance to raise funds for the construction of a residential house on plots owned by them.
Purpose: L&T Finance offers Home Purchase Loans to its applicants for financing the purchase of under construction properties and ready to move-in houses.
Purpose: L&T Finance offers House Improvement Loans to its applicants for carrying out renovation, repair and maintenance of their existing homes.
Purpose: Individuals can avail House Extension Loans from L&T Finance for constructing additional room or floor in their existing residential unit.
Purpose: Existing home loan borrowers of other banks and HFCs can avail L&T Home Loan Transfer facility to transfer their existing home loans to L&T Finance at lower interest rates, thereby, reduce their EMI and overall interest cost.
Purpose: Consumers can avail L&T Finance Composite Loans for plot purchase and home construction thereon, provided the construction begins within a specific time.
Purpose: L&T Finance offers Home loan balance transfer with top-up facility to existing home loan borrowers of other lenders who wish to avail top up home loan along with balance transfer.
Get a Home Loan For
Your Dream Home
L&T Finance may also consider the monthly income and credit score of its applicants, just like other banks/HFCs do while evaluating the home loan eligibility of their applicants.
For Salaried applicants: Last 3 months’ salary slip, last 1 year bank statement and latest form 16
For Self-employed Professionals:
For Self-employed Non-Professionals:
Also read about the home loan documents required by other banks and HFCs.
Salaried and self-employed individuals planning to apply for home loans with L&T Housing Finance can use the Home Loan EMI Calculator to check their EMIs, total interest cost and optimum tenure, as per their repayment capacity. They just need to fill the fields for interest rate, loan amount and loan tenure in the calculator and get the results instantly.
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
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