| LIC Housing Finance LAP Highlights | |
| Interest Rate | 9.50%-11.55% p.a. |
| Loan Amount | Rs 2 lakh onwards |
| Tenure | Up to 15 years |
| Processing Fee | Up to 1% |
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Table of Contents
LIC Housing Finance Loan Against Property Interest Rates
Grih Vikas
Loan Amount up to Rs 15 crore
| CIBIL Score | Interest Rate (p.a.) |
| 750 and above | 9.50% |
| 700-750 | 10.30% |
| 600-700 | 11.55% |
Lease Rental Discounting
For Individuals
Loan Amount up to Rs 15 crore
| CIBIL Score | Interest Rate (p.a.) |
| 750 and above | 9.90% |
| 700-750 | 10.00% |
For Non-Individuals
Loan Amount up to Rs 15 crore
| Tenure | Interest Rate (p.a.) |
| Up to 7 years | 10.25% |
| 7-12 years | 10.50% |
| 12-15 years | 11.00% |
My Office LAP
For Individuals
For Loan Amount of Rs 10 lakh to Rs 10 crore
| CIBIL Score | Interest Rate (p.a.) |
| 750 and above | 10.25% |
| 700-750 | 10.85% |
For Loan Amount of Rs 5 crore to Rs 15 crore
| CIBIL Score | Interest Rate (p.a.) |
| 750 and above | 10.25% |
| 700-750 | 11.10% |
For Non-Individuals
For Loan Amount of Rs 10 lakh to Rs 15 crore
| CIBIL Score | Interest Rate (p.a.) |
| NA | 11.25% |
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Compare Interest Rates on Loan Against Property for Top Banks & HFCs
| Name of the Lender | Interest Rate (% p.a.) |
| State Bank of India | 10.60-11.30 |
| Bank of Baroda | 10.85-16.50 |
| PNB Housing Finance | 9.65-13.00 |
| IDFC First Bank | 9.00-16.50 |
| HDFC | 8.95-10.25 |
| L&T Housing Finance | 9.50 onwards |
| LIC Housing Finance | 9.50-11.55 |
| Godrej Housing Finance | 9.75 onwards |
| ICICI Bank | 10.85-12.50 |
| Tata Capital | 10.10 onwards |
| Bajaj Housing Finance | 8.50-18.00 |
| Axis Bank | 9.90-10.35 |
| Kotak Mahindra Bank | 9.15 onwards |
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Types of LIC Housing Finance Loan Against Property
Grih Vikas
- Purpose: Loan against residential properties for personal or business purposes such as child’s education or marriage, business expansion, purchase of another property, etc.
- Loan Amount: Rs 2 lakh onwards
- Tenure: Up to 15 years
- Processing Fee: 5% of loan amount
Lease Rental Discounting
Purpose: Loan against rental receipts obtained from rented properties
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Eligibility Criteria for LIC Housing Finance Loan Against Property
The applicants should only be Indian residents.