65 Lakh LIC Home Loan

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LIC Housing Finance offers an LIC home loan of ₹65 lakh EMI, making investing in a spacious and comfortable home easier. The loan is designed for individuals aiming to purchase or construct their dream property. Managing monthly instalments becomes convenient with attractive interest rates and flexible repayment options. Use the criteria of ₹65 lakh home loan eligibility at LIC to check if you qualify and take the next step towards owning your dream home.

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Table of Content

1. 65 Lakh Home Loan LIC Highlights

2. 65 Lakh Home Loan EMI for 5 Years LIC

3. 65 Lakh Home Loan EMI for 10 Years LIC

4. 65 Lakh Home Loan EMI for 15 Years LIC

5. 65 Lakh Home Loan EMI for 20 Years LIC

6. 65 Lakh Home Loan EMI for 25 Years LIC

7. 65 Lakh LIC Home Loan Fees and Charges

8. 65 Lakh LIC Home Loan Documents Required

9. 65 Lakh LIC Home Loan Eligibility Criteria

9.1 Age Requirements

9.2 Employment Criteria

9.3 Income Requirement

9.4 Credit Score

9.5 Loan-to-Value Ratio (LTV)

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Rishabh Baisoy

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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.

₹65 Lakh Home Loan LIC – Highlights

Here are LIC’s home loan interest rates for ₹65 lakhs, along with highlights:

Key Highlights	Details
Loan Amount	₹65 Lakh
Loan Tenure	Starting from 8.50% per annum
Repayment Options	Equated Monthly Instalments (EMIs) through ECS, NACH, or post-dated cheques
Loan-to-Value (LTV) Ratio	Up to 80% of the property value for loans above ₹30 lakh and up to ₹75 lakh

₹65 Lakh Home Loan EMI for 5 Years LIC

LIC’s housing loan EMI for ₹65 lakhs for 5 years is mentioned below in detail:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹65 Lakh	8.50% p.a.	5 years	₹1,33,357	₹15,01,447	₹80,01,447

₹65 Lakh Home Loan EMI for 10 Years LIC

Here are the details about a ₹65 lakh home loan EMI for 10 years from LIC:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹65 Lakh	8.50% p.a.	10 years	₹80,591	₹31,70,884	₹96,70,884

₹65 Lakh Home Loan EMI for 15 Years LIC

The following is the 15-year EMI amount for a home loan of ₹65 lakh:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹65 Lakh	8.50% p.a.	15 years	₹64,008	₹50,21,453	₹1,15,21,453

₹65 Lakh Home Loan EMI for 20 Years LIC

Below is the ₹65 lakh home loan EMI for 20 years from LIC:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹65 Lakh	8.50% p.a.	20 years	₹56,409	₹70,38,042	₹1,35,38,042

₹65 Lakh Home Loan EMI for 25 Years LIC

LIC’s home loan of ₹65 lakhs EMI for 25 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹65 Lakh	8.50% p.a.	25 years	₹52,340	₹92,01,928	₹1,57,01,928

₹65 Lakh LIC Home Loan – Fees and Charges

When applying for LIC’s ₹65 lakh home loan, the following fees and charges are applicable:

Category	Details
Interest Rates (Salaried/Professional)	CIBIL ≥ 800: 8.50% CIBIL 775–799: 8.60% CIBIL 750–774: 8.65% CIBIL 700–724: 8.90%
Interest Rates (Non-Salaried/Non-Professional)	CIBIL ≥ 800: 8.75% CIBIL 775–799: 8.85% CIBIL 750–774: 8.90% CIBIL 700–724: 9.15%
Processing Fee	0.25% of the loan amount (capped at ₹15,000 + taxes)
Prepayment Charges	Floating Rate Loans: Nil Fixed Rate Loans: 2% if prepaid from external sources
Penal Charges	1.50% per month for overdue instalments (up to 12 months) 1.75% per month (beyond 12 months)
Document Retrieval Fee	₹2,500
Document List Fee	₹500
Photocopy of Title Documents	₹1,000
Cheque Bounce Charges	₹350 per instance
ECS/NACH Dishonour Charges	₹200 per instance

₹65 Lakh LIC Home Loan – Documents Required

To apply for a loan, applicants must provide the following documents:

Identity and address verification documents, including a PAN Card, Aadhaar Card, and proof of residence.
NRIs are also required to submit their passport.
For income proof, salaried individuals must submit their latest salary slips, Form 16, and bank statements covering the past 6 to 12 months.
Self-employed individuals and professionals must submit Income Tax Returns (ITRs), audited financial statements for the last three years, and bank statements for 6 to 12 months.
If the property has been identified, documents such as the property’s title deeds, an allotment letter (for apartments), and receipts for property taxes are mandatory to confirm ownership and compliance.

These documents ensure the lender can verify the applicant’s identity, income stability, and property details before approving the loan.

₹65 Lakh LIC Home Loan – Eligibility Criteria

The following are the eligibility criteria for LIC’s ₹65 lakh home loan:

Age Requirements

Applicants must be at least 21 years old at the time of applying.
The maximum age allowed at loan maturity is 60 for salaried individuals and 65 for self-employed applicants.

Employment Criteria

Salaried Applicants: Should have a stable job and a steady income.
Self-Employed Professionals: Must show a reliable and consistent income stream.
NRIs: Can apply for loans to buy or construct residential properties in India.

Income Requirement

A minimum monthly income of ₹25,000 is mandatory for both salaried and self-employed individuals.

Credit Score

A CIBIL score of 600 or higher is typically required to qualify for a loan.

Loan-to-Value Ratio (LTV)

For loans up to ₹30 lakh, LIC Housing Finance provides up to 90% of the property’s value as funding.

Frequently Asked Questions (FAQs)

What is the EMI for a ₹65 lakh home loan for 20 years in the LIC?

The EMI for a ₹65 lakh home loan over 20 years varies based on the interest rate. At an interest rate of 8.50% per annum, the approximate EMI would be ₹56,500.

Who is eligible for a ₹65 lakh home loan in the LIC?

Salaried employees in private, government, or public organisations and self-employed individuals are eligible for a ₹65 lakh LIC home loan.

What is the monthly interest rate of a ₹65 lakh home loan in LIC?

LIC Housing Finance offers home loan interest rates starting from 8.50% per annum. The monthly interest rate of a ₹65 lakh home loan in LIC would be approximately 0.7083%.

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