Buy Home with L&T Housing Loan Service

We make dreams come true!

We understand the importance of having a place of your own. Whether it's buying your first home or investing in a second, we offer customized solutions for each. Let’s take the first step towards your home, together, now! 


Home Loan bouquet


You can take the construction loan for a residential house on a land owned by a borrower.  

House Purchase

Considering to buy a new property or a re-sale one? We offer loans for ready to move-in houses or even those under construction. 


House Improvement

A home is like a mirror that reflects your image. You can now take a loan to get your existing home in good shape through repairs and maintenance.


House Extension

Take a loan to extend your existing residential unit either by constructing an additional room or even a floor.

The extention should be an increase in FSI.

Balance Transfer

Have bought a home at a high interest rate? Our balance transfer facility allows you to transfer your existing home loan from an approved institution and also offers a feature of top up loan. 


(Please refer to the annexure of the approved institutions) 

Composite Loan Scheme

This facility is to help you finance the purchase of a plot (Refinance the plot amount on start of construction after receipt of sanction plan) and construction of residential house thereon within a specific time.

Low Loan to Value (LTV)

It is to cater cash intensive business segment & also specifically to cater to the affordable housing customer segment.

Balance Transfer Plus Top-Up

Applicable to self employed non-professionals & professional customers based on regular income programme from only approved financial institutions.


Key Features

Loan tenor up to 30 years

Loans ranging from Rs 3 lakh to Rs 10 crore

Attractive rate of interest

Rate Range for Floating Rate Loans:

Home Loan Salaried 7.70% to 8.45%
Home Loan Self Employed 8.10% to 9.00%
Last updated on 15th Feb 2021

Choose from a fixed or floating rate of interest

Home loans upto 90%  of property value

Flexible repayment options like Tranche-based EMI and Part Prepayment Scheme

Income-based product offering (Gross Receipt Product, Gross Margin Product, Banking Based Product, etc.)

*Loan tenure is subject to meeting eligibility and age of the applicant

*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.


Home Loan EMI Calculator

Loan Amount (₹):
Interest Rate % (Per Annum):
Loan Tenure (In Months):
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Eligibility Criteria

Indian resident


Salaried or self employed professionals and non-professionals

Above 23 years and up to 65 years when the loan matures 

Actual eligible loan amount is dependent on applicant's income and repaying capacity, age, assets and liabilities cost of the proposed house/flat etc.

Eligibility can be increased by adding other sources of income (Rent, Co-applicant's income, other regular source of income)

Eligibility & Documentation by L&T Financial Services

Document Checklist

Other Products

Prime Lending Rate (PLR) for Home Loans is 18.10% applicable with effect from Feb 2019.
Transfer Your Loan for Better Interest rates

Balance Transfer

Top Up Loan by L&T Financial Services

Top Up Loan

Loan Against Property

Loan Against Property

Real Estate Finance by L&T Financial Services

Real Estate Finance