LIC HFL Griha Suvidha Home Loan
Are you in search of your dream home? With the LIC HFL Griha Suvidha Home Loan through NoBroker, you can! With flexible eligibility criteria, affordable interest rates, starting from 7.15% p.a., and simple documentation requirements, there is no reason for you to delay your home journey! This Mortgage Guarantee-backed home loan scheme has flexible criteria and is made for salaried, self-employed, or nearing-retirement borrowers. You’ll receive a seamless, end-to-end loan experience through the NoBroker platform while also being eligible for additional benefits, fast processing time, and no-hassle advice/information, from your lending expert.
LIC HFL Griha Suvidha Home Loan – Easy Financing with NoBroker Assistance
With the LIC HFL Griha Suvidha Home Loan, making your dream home a reality is simple! This housing loan scheme is Mortgage Guarantee-backed and can provide loan options and a borrowing process for home buyers even if their income has unique patterns or if they are almost retired. NoBroker allows you to access this scheme through us, which simplifies the entire process—we will help you use the LIC HFL Griha Suvidha Home Loan Scheme directly through our services so you don’t have to go to the LIC HFL website at all! We take you end-to-end to make everything as clear, transparent, and easy for you as possible!
LIC HFL Griha Suvidha Home Loan Overview
| Feature | Details |
| Scheme Name | LIC HFL Griha Suvidha Home Loan |
| Loan Type | Mortgage Guarantee-Backed Housing Loan |
| Loan Tenure | Up to 30 Years |
| Interest Rate (starting) | 7.15% p.a. |
| Eligible Income Types | Salaried, Self-Employed, Retirees, Others |
| Maximum Loan Amount | Up to ₹3 Crore |
| Available Under the PMAY Scheme | Yes (CLSS Eligible) |
| Processing Speed | Quick Disbursal |
| Services Provided by | NoBroker (Tie-up with LIC HFL) |
What is LIC Griha Suvidha Home Loan?
The LIC Griha Suvidha Home Loan is flexible in terms of loan approvals, particularly for applicants who may not be eligible for traditional home loan schemes. The scheme accepts all applicants regardless of whether they are salaried, self-employed, or even just cash-based in terms of income.
The best part? NoBroker handles your loan application directly—we coordinate with LIC Housing Finance (LIC HFL) to ensure you get the loan faster and with minimal documentation.
Griha Suvidha LIC HFL – Interest Rates Breakdown
The interest rates for LIC HFL Griha Suvidha depend on your loan amount and CIBIL score. Here’s a detailed breakdown:
For Salaried & Professional Applicants:
| Loan Amount | CIBIL Score | Interest Rate (p.a.) |
| ₹10L – ₹50L | 700+ | 7.15% |
| 650 – 699 | 7.35% | |
| 600 – 649 | 7.55% | |
| Below 600 | 7.75% | |
| ₹50L – ₹1 Cr | 700+ | 7.15% |
| 650 – 699 | 7.55% | |
| 600 – 649 | 7.85% | |
| Below 600 | 7.95% | |
| ₹1 Cr – ₹3 Cr | 700+ | 7.15% |
| 650 – 699 | 7.65% | |
| 600 – 649 | 7.95% | |
| Below 600 | 7.95% |
For Non-Salaried & Non-Professional Applicants:
| Loan Amount | CIBIL Score | Interest Rate (p.a.) |
| ₹10L – ₹50L | 700+ | 7.25% |
| 650 – 699 | 7.45% | |
| 600 – 649 | 7.65% | |
| Below 600 | 7.85% | |
| ₹50L – ₹1 Cr | 700+ | 7.25% |
| 650 – 699 | 7.65% | |
| 600 – 649 | 7.95% | |
| Below 600 | 8.05% | |
| ₹1 Cr – ₹3 Cr | 700+ | 7.25% |
| 650 – 699 | 7.75% | |
| 600 – 649 | 8.05% | |
| Below 600 | 8.05% |
For Applicants With No CIBIL Score:
| Loan Amount | Type | Interest Rate (p.a.) |
| ₹10L – ₹50L | Salaried & Professionals | 7.65% |
| Non-salaried & Non-professionals | 7.75% |
Key Features of LIC Griha Suvidha Home Loan
The Griha Suvidha LIC HFL scheme comes with attractive features that suit a wide range of homebuyers:
- Available for both new and existing customers
- Supports high-value home loans up to ₹3 crore
- Minimal processing fees
- Low EMI burden due to competitive interest rates
- Fast loan approval and disbursal
- Minimal and straightforward documentation
- Available under PMAY (Pradhan Mantri Awas Yojana) – CLSS
Who Should Opt for LIC HFL Griha Suvidha Home Loan?
The LIC HFL Griha Suvidha home loan is particularly suitable for:
- Self-employed individuals seeking longer repayment terms
- Applicants with income in cash or variable sources
- Individuals nearing retirement who want a 20–30 year loan term
- First-time homebuyers with limited CIBIL history
Whether you fit the salaried or non-salaried category, NoBroker will guide you through the process for LIC Griha Suvidha Home Loan with ease and efficiency.
Required Documents for Griha Suvidha Home Loan
Here’s the checklist of documents you’ll need to apply for LIC Griha Suvidha Home Loan:
Property Documents:
- Property ownership proof
- Updated tax receipts
- Builder or society allotment letter (for flats)
KYC Documents:
- Aadhaar card
- PAN card
- Proof of residence
- Passport (mandatory for NRIs)
Income Proof:
- Bank statements (last 6–12 months)
- Salary slips & Form 16 (for salaried individuals)
- ITRs for the last 3 years (for self-employed applicants)
At NoBroker, we assist with verifying and submitting your documents correctly to avoid delays or rejections.
Why Choose NoBroker for LIC Griha Suvidha Home Loan?
While you can apply for the LIC Griha Suvidha Home Loan through traditional means, choosing NoBroker offers several advantages:
- Personalized eligibility check without affecting your credit score
- Assistance with documentation and form filling
- End-to-end guidance from loan experts
- Faster approval and disbursal due to our tie-up with LIC HFL
- No need to visit the bank branch—everything is handled online
How to Apply via NoBroker?
Applying for the LIC HFL Griha Suvidha Home Loan with NoBroker is a hassle-free experience:
- Visit our loan assistance page
- Fill out a simple form with your basic details.
- Get a call from our loan expert within minutes.
- Share documents digitally or via doorstep collection
- We handle the rest—including coordination with LIC HFL
Conclusion:
The LIC HFL Griha Suvidha Home Loan is the best option for consumers looking to buy or build their ideal home without excessive effort. When you partner with NoBroker and LIC Housing Finance, you get the best deals, a simplified process, and expert support from NoBroker throughout the financing process, without the pain of copious paperwork or having to visit multiple branches along the way. Take your first step toward owning a home with peace of mind; apply now through NoBroker and we will help you get your home loan in a way that is smoother and faster for you.
