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Key Features

Applicable for all categories of customers

Only approved financial institutions

Top Up loan facility which is over and above your original loan

Legal and technical verification to be done

Attractive rate of interest

Rate Range for Floating Rate Loans:

Home Loan Salaried 8.40%*
Home Loan Self Employed 8.60%*
Last updated on 24th November 2022

*Quoted interest rates are as per company pricing policy, the actual rates may vary depending on the credit/Risk profiling and LTV of the customer.


Balance Transfer

Buying a home can be quite tempting initially. And later on, the interest on your loan could be a burden for you. Now with Balance Transfer from L&T Housing Finance, home buyers can transfer your existing loan from any other financial institution to help you save on interest expenses. What’s more, you could also take a Top Up Loan or an additional loan to help with your other expenses


Eligibility Criteria


Minimum repayment track record of 12 months


Age : 23 years to 85 years on loan maturity


Balance transfer from only approved financial institutions


Applicable for residential properties only


Title document  ownership should remain with the applicant




Documents Home Buyers
Customer Undertaking To submit original docs to LTHF within 20 days from date of disbursement
Letter of Authority Customer authorizing LTHF representative to collect original title docs & mortgage release letter on his behalf from previous Bank/HFC
Irrevocable POA Required from customer in favor of LTHF empanelled lawyer. POA to be executed on stamp paper of requisite value and should be duly notarized from a notary public

Balance transfer cheque will be handed over to the approved financier Over the Counter (OTC). Customer indemnity will be taken in lieu of the list of documents from the financier


Photocopies of the property papers will be collected from the customer along with the indemnity


Home Loan EMI Calculator

Loan Amount (₹):
Interest Rate % (Per Annum):
Loan Tenure (In Months):
Your Equated Monthly Installment (EMI):

Documents & Forms

Other Products

Home Loan

Top Up Loan

Loan Against Property

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