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Q.

Which is Better LIC Vs HDFC Home Loan?

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0 2024-05-07T11:10:51+00:00
My uncle works in an HDFC bank. So, when I was confused about LIC vs HDFC home loan, he kept telling me the better features of HDFC home loans. But I knew a close friend who got a home loan through LIC HFL and his entire loan process was smooth. So, I made a list of the key things I wanted to consider about both the bank’s home loans so that I could make a decision. Let me share the list with you for your help.

LIC Home Loan Vs HDFC Home Loan

I will tell you the interest rates, loan-to-property cost, different kinds of home loans offered by both banks and maximum repayment tenure offered by both HDFC bank and LIC HFL.

HDFC vs LIC Home Loan

Compare HDFC Home Loan LIC Home Loan
Interest Rate Policy Repo Rate + 2.90% to 3.45% = 9.40% to 9.95% for both salaried and non-salaried individuals. -8.50% Up to 2 Crs 8.70% More than 2 Crs and & up to 15 Crs for salaried individuals. -8.60% Up to 2 Crs 8.80% More than 2 Crs and & up to 15 Crs for non-salaried individuals.
Loan to Property Cost -Loans up to and including ₹30 lacs- 90% of the property cost -Loans from ₹30.01 lacs to ₹75 lacs- 80% of the property cost -Loans above ₹75 lacs- 75% of the property cost -90% of Property value for loans up to Rs.30 lakh -80% of Property value for loans more than Rs. 30 lakh and up to Rs.75 lakh -75% of Property value for loan above Rs.75 lakh
Popular Home Loan Products -Home Loans -Plot Loans -Rural Housing Loan -Home Renovation Loan -Home Extension Loan -Top-Up Loan -Loan Against Property -Home Loan Balance Transfer -NRI Housing Loans -Home Loans -Plot Loans -Griha Suvidha Home Loan -Home Loan for NRI -Home Loan for Pensioners -Home Improvement Loan -Home Construction Loan -Home Extension Loan -Top-Up Loans -Home Loan Balance Transfer
Maximum Repayment Tenure -The maximum tenure for balance transfer and home loans is thirty years, or until the age of retirement, whichever is lower. -The maximum tenure for home extension loans is 20 years, or until the borrower reaches retirement age, whichever comes first. -The maximum tenure for home renovation and top-up loans is fifteen years, or until the age of retirement, whichever comes first. -For Salaried up to 30 YEARS -For Self-employed up to 25 YEARS
These are a few key things you should about when it comes to LIC vs HDFC home loan. Get Home Loan at the Lowest Interest Rates From 15+ Banks Through NoBroker Home Loan Service. Read More: What is HDFC Home Loan Processing Time?
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