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! 

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Home Loan bouquet

Construction

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.

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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 6.75% to 7.25%
Home Loan Self Employed 7.00% to 7.75%
Last updated on 14th July 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.

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Home Loan EMI Calculator

Loan Amount (₹):
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Your Equated Monthly Installment (EMI):
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Eligibility Criteria

Indian resident

 

Salaried or self employed professionals and non-professionals


Age : 23 years and upto 62 years on loan maturity 

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)

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Eligibility & Documentation by L&T Financial Services

Documents & Forms

Other Products

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