LIC home loan interest rate for female borrowers, aims to promote women's homeownership in India. As of 2025, the interest rates for women vary based on several factors, including the loan amount, credit score, and employment type. For a loan amount of up to Rs. 30 lakh, under the "Griha Siddhi" scheme, women can avail of home loans at an interest rate of 8.35% per annum, which is slightly lower than the 8.40% offered to other borrowers in the same category.
LIC HFL offers a maximum loan tenure of up to 30 years for salaried individuals and 25 years for self-employed applicants, providing flexibility in repayment.
To qualify for these preferential rates, female applicants should have a good credit history, with a CIBIL score preferably above 750. Employment type (salaried or self-employed) and income level also play a crucial role in determining the applicable interest rate.
To know about the LIC home loan interest rate for women, it is best if you could reach out to the bank itself so that you can get an exact idea about the interest rate that you can get depending on the loan product that you are choosing.
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My wife needs a home loan for me to purchase a property in her name. My father asked me to check the LIC home loan interest rate for female. I discovered that the interest rate for female hasn’t been mentioned officially. Moreover, the interest rate will depend on several factors, including the borrower's CIBIL score, monthly income, and type of employment, which influence the interest rates on home loans. If you're a woman looking to get a house loan from LIC, keep reading to find out the latest interest rate.
What is the LIC Home Loan Interest Rate for Ladies?
With respect for women's contributions to society and to help them fulfill their desires of becoming homeowners, LIC Home Loan provides a special interest rate for them. As I mentioned above, the interest rate is decided based on the following factors:
Type of employment: Self-employed or Salaried
Monthly earnings,
The loan amount that you need,
The nature of the interest rate, specifically the fixed or variable rate,
CIBIL rating
Credit history
If you require a loan for more than Rs. 10 lakhs or up to Rs. 2 crores and your CIBIL score is higher than 750, under the Griha Suvidha Home Loan scheme, LIC offers:
8.75% of interest for salaried and professional employees.
8.85% of interest for non-salaried individuals.
The bank may or may not offer a special reduction on interest rate for female applicants. You should ask your lender about the interest rate reduction for women. I hope you understand the LIC home loan interest rate for women.
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What is LIC Home Loan Interest Rate for Female?
Aanan
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2024-01-25T13:34:31+00:00 2024-01-27T06:36:25+00:00Comment
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