5 Crore LIC Home Loan

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A ₹5 Crore LIC Home Loan provides the financial support needed to turn your vision of owning a luxurious home or upgrading your property into reality. This loan is perfect for purchasing a home, renovating, extending, or refinancing your existing loan. With flexible tenure options of up to 30 years and competitive interest rates starting from 8.50% p.a., it ensures affordability. Whether you’re a salaried individual, self-employed, retiree, or NRI, this loan caters to your housing needs, making your aspirations achievable.

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Table of Content

1. 5 Crore LIC Home Loan Highlights

2. 5 Crore LIC Home Loan EMI for 5 years

3. 5 Crore LIC Home Loan EMI for 10 Years

4. 5 Crore LIC Home Loan EMI for 15 Years

5. 5 Crore LIC Home Loan EMI for 20 Years

6. 5 Crore LIC Home Loan EMI for 25 Years

7. 5 Crore LIC Home Loan EMI for 30 Years

8. 5 Crore LIC Home Loan Fees and Charges

9. 5 Crore LIC Home Loan Documents Required

10. 5 Crore LIC Home Loan Eligibility Criteria

Written By

Rahul Gautam

Rahul is a finance writer with a background in Journalism. He specialises in making complex financial topics easy to understand. He writes about credit cards, banking, loans, and financial institutions, helping readers explore the financial world with clarity and confidence. His work is both informative and engaging.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

₹5 Crore LIC Home Loan – Highlights

Look at the key highlights for LIC home loan interest rates for ₹5 Crore:

Key Highlights	Details
Loan Amount	₹5 Crore
Interest Rate	8.50% to 8.75%
Loan Tenure	Starting from 1 to 30 years
Processing Charges	Up to 0.50%

₹5 Crore LIC Home Loan EMI for 5 years

Here’s the breakdown of LIC housing loan EMI for ₹5 Crores:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹5 Crores	8.50% p.a.	5 years	10,25,827	1,15,49,594	6,15,49,594

₹5 Crore LIC Home Loan EMI for 10 Years

Have a look at the ₹5 Crores home loan EMI for 10 years from the LIC:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹5 Crores	8.50% p.a.	10 years	6,19,928	2,43,91,413	7,43,91,413

₹5 Crore LIC Home Loan EMI for 15 Years

LIC offers a ₹5 Crore home loan with EMI for 15 years. Here is the price breakdown:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹5 Crores	8.50% p.a.	15 years	4,92,370	3,86,26,560	8,86,26,560

₹5 Crore LIC Home Loan EMI for 20 Years

₹5 Crore home loan EMI for 20 years from LIC is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹20 Lakhs	8.50% p.a.	20 years	4,33,912	5,41,38,788	10,41,38,788

₹5 Crore LIC Home Loan EMI for 25 Years

Let’s have a look at an LIC home loan of ₹5 Crores EMI for 25 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹5 Crores	8.50% p.a.	25 years	4,02,614	7,07,84,063	12,07,84,063

₹5 Crore LIC Home Loan EMI for 30 Years

Let’s have a look at an LIC home loan of ₹5 Crores EMI for 30 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹5 Crores	8.50% p.a.	30 years	3,84,457	8,84,04,427	13,84,04,427

₹5 Crore LIC Home Loan – Fees and Charges

LIC Housing Finance provides a variety of home loan schemes with specific processing fees based on the loan type and amount. Some schemes even offer zero charges for early repayment or other benefits. Below is an updated summary of the processing fees for different loan categories:

Home Loan Type	Processing Fee Details
LIC Plot Loan	0.25% of the loan amount (or as determined by LIC)
LIC Griha Suvidha Home Loan	0.25% of the loan amount plus GST
LIC Home Loan for Pensioners	0% to 0.50% of the loan amount
LIC Home Loan for NRI	0.25% of the loan amount (or as per the loan agreement)
LIC Home Extension Loan	0% to 0.50% of the loan amount
LIC Advantage Plus	0.25% of the loan amount (or as determined by LIC)
LIC Home Loan Top-up	0% to 0.50% of the loan amount
LIC Home Renovation Loan	0% to 0.50% of the loan amount

₹5 Crore LIC Home Loan – Documents Required

When applying for a 5 Crore home loan with LIC, applicants must submit various documents based on their employment type—salaried or self-employed. These documents confirm identity, address, income, and property ownership. Below is the complete detail about the document requirements:

Document Type	Self-Employed Individuals	Salaried Individuals
Property Documents	Ownership proof Updated property tax receipt Builder/society allotment letter (if applicable)
			Address Proof	Aadhaar Card, Passport, Voter ID
			Income Proof	Last 3 years Income Tax Returns (ITRs) with financials Profit & Loss account and Balance Sheet (CA certified) The previous 6 months’ bank statements Proof of business existence	Last 3 months’ salary slips Form 16 The previous 6 months’ bank statements
Identity Proof	PAN Card, Passport (mandatory for NRIs), Aadhaar Card, Voter ID	PAN Card, Passport (mandatory for NRIs), Aadhaar Card, Voter ID
Photographs	Two recent passport-size photos

₹5 Crore LIC Home Loan – Eligibility Criteria

Applicants seeking a 5 Crore LIC home loan must meet specific eligibility criteria depending on the type of loan. LIC Housing Finance extends these loans to salaried individuals, self-employed professionals, retirees, and Non-Resident Indians (NRIs). The offerings cater to various needs, such as home purchase, renovation, extension, or refinancing.

Loan Type	Eligibility Criteria
LIC Home Loan for Pensioners	This is for retirees, including those from government or PSU jobs under the Defined Benefit Pension Scheme, who are up to 65.
LIC Home Loan Top-up	Available to existing LIC borrowers needing additional funds beyond their current loan amount.
LIC Griha Suvidha Loan	It is ideal for salaried individuals receiving partial cash salaries, those nearing retirement, and self-employed applicants requiring longer tenure.
LIC Home Extension Loan	This is for individuals planning to expand or add rooms to their current residential property.
LIC Advantage Plus Loan	Allows the transfer of an existing home loan from another financial institution to LIC Housing Finance, provided standard eligibility criteria are met.
LIC Home Renovation Loan	Designed for new and existing customers who wish to undertake home improvement or renovation projects.
LIC NRI Home Loan	Designed for Non-Resident Indians aiming to buy or construct a home in India.
LIC Plot Loan	It is for individuals intending to purchase a residential plot and construct a house within three years.

Frequently Asked Questions (FAQs)

What is the EMI for a 5 Crore Home Loan for 20 years in LIC?

The EMI for a ₹5 Crore Home Loan from LIC, with an interest rate of 8.50% per annum and a tenure of 20 years, would be approximately ₹4,33,912 per month.

Who is eligible for a 5 Crore Home loan in LIC?

Salaried individuals, self-employed professionals, retirees (up to 65 years), and NRIs are eligible for a 5 Crore LIC Home Loan loan. Eligibility varies based on loan type, such as home purchase, renovation, extension, or refinancing.

What is the monthly interest rate of a ₹5 Crore home loan in LIC?

The monthly interest rate of a ₹5 Crore home loan in LIC is 0.70%.

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