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PMAY-LIC Housing Finance Limited
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Home Loan Corporate / Project Loans Other Loans
Deposits Investors
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Home laon Housing Loan PMAY Pradhan Mantri Awas Yojana
EWS / LIG
17.06.2015 onwards
Coverage:
All Statutory Towns as per Census 2011 and towns notified subsequently including planning area as notified with respect to Statutory
Town.
EWS / LIG
(https://www.lichousing.com/lms_module.php)
New Construction, acquisition and addition of rooms, kitchen, toilet etc to existing dwelling as incremental housing
ILLUSTRATIVE EXAMPLES:
Home Loan Corporate / Project Loans Other Loans
LOAN AMT EMI BEFORE SUBSIDY CREDIT REDUCED EMI AFTER SUBSIDY CREDIT MONTHLY SAVING SAVING OVER 20 YRS LO
For Rs.10 lacs loan, Total Savings = Rs.5,50,800 (Saving over 20 yrs loan tenure) + Rs.2,67,280 (Maximum subsidy amt) = Rs.8,18,080/-
Simple documentation
No Pre-Payment Penalty.
Available for construction / purchase of house or flat from private developer or housing boards and repairs/renovation to the
existing properties.
Loan slab CIBIL Score Salaried & Professional Non-Salaried & Non Professional
More than 50 Lakhs & Up to Rs. 1 Cr CIBIL >= 700 6.90% 7.00%
Home Loan Corporate / Project Loans Other Loans
More than 1 Cr & Up to Rs. 3 Crs CIBIL >= 700 6.90% 7.00%
Deposits Investors
CIBIL 650 – 699 7.40% 7.50%
More than Rs. 3 Crs & upto Rs 15 Cr CIBIL >= 700 6.90% 7.00%
* 1) In case of joints applicants, CIBIL score of applicant having highest score will be considered
2) For cases where CIBIL score is Zero or less and loan amount is more than Rs 50 Lakhs & up to Rs 15 Crs, the ROI applicable will
be as per the CIBIL score less than 600 in the respective categories
80% of Property value for loan more than Rs. 30 lakh and upto Rs.75 lakh
The above is subject to the repaying capacity and age of the applicant.
Calculator
Plan your Home Loan using our Calculator. Know the Home loan amount you are eligible for and the EMI against your loan.
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EMI Calculator (https://www.lichousing.com/emi_calc.php)
KYC documents:
Pan Card
Aadhaar Card
Proof of residence
Income documents:
Last 3 years income tax returns along with financials for self-employed or professionals
Disclaimer: All loans are sanctioned at the sole discretion of LIC HFL.
(https://www.lichousing.com/lms_module.php)
Home Construction Loan (https://www.lichousing.com/Home_Loan/Housing_Loan/Home_Construction_Loan.php)
Home Loan Corporate / Project Loans Other Loans
Deposits Investors
Pradhan Mantri Awas Yojana (https://www.lichousing.com/Home_Loan/Housing_Loan/PMAY_Pradhan_Mantri_Awas_Yojana.php)
global-all-co-prtnr-py-PartBadge-Mar2515-1) (https://apps.apple.com/in/app/lichfl-home-loans/id1498302597?mt=8)
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