90 Lakh LIC Home Loan

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The ₹90 Lakh LIC Home Loan is a popular option for aspiring homeowners in India, offering a substantial loan amount to help individuals achieve their dream of owning a home. With attractive interest rates starting from 8.50%, this loan provides flexibility in repayment terms, allowing borrowers to choose a tenure of up to 30 years. Loan seekers can use this loan to purchase a new home, renovate an existing property, or extend their current home loan. Additionally, LIC Housing Finance offers various schemes suitable to different borrower needs, including loans for pensioners, self-employed individuals, NRIs and more.

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Table of Content

1. 90 Lakh LIC Home Loan Highlights

2. 90 Lakh LIC Home Loan EMI for 5 years

3. 90 Lakh LIC Home Loan EMI for 10 Years

4. 90 Lakh LIC Home Loan EMI for 15 Years

5. 90 Lakh LIC Home Loan EMI for 20 Years

6. 90 Lakh LIC Home Loan EMI for 25 Years

7. 90 Lakh LIC Home Loan EMI for 30 Years

8. 90 Lakh LIC Home Loan Fees and Charges

9. 90 Lakh LIC Home Loan Documents Required

10. 90 Lakh 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.

₹90 Lakh LIC Home Loan – Highlights

Highlights for LIC home loan interest rates for ₹90 Lakh are as follows:

Key Highlights	Details
Loan Amount	₹90 Lakh
Interest Rate	8.50% – 10.75% p.a.
Loan Tenure	Up to 30 years
Loan Amount (LTV Ratio)	90% of property value

₹90 Lakh LIC Home Loan EMI for 5 years

Have a look at the breakdown of LIC housing loan EMI for ₹90 Lakhs:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹90 Lakhs	8.50% p.a.	5 years	1,84,649	20,78,927	1,10,78,927

₹90 Lakh LIC Home Loan EMI for 10 Years

Here is ₹90 Lakhs home loan EMI for 10 years from the LIC:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹90 Lakhs	8.50% p.a.	10 years	1,11,587	43,90,454	1,33,90,454

₹90 Lakh LIC Home Loan EMI for 15 Years

LIC provides a ₹90 Lakh home loan with EMI for 15 years. Here is the EMI overview:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹90 Lakhs	8.50% p.a.	15 years	88,627	69,52,781	1,59,52,781

₹90 Lakh LIC Home Loan EMI for 20 Years

₹90 Lakh 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	78,104	97,44,982	1,87,44,982

₹90 Lakh LIC Home Loan EMI for 25 Years

Here is a glance at a LIC home loan of ₹90 Lakhs EMI for 25 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹90 Lakhs	8.50% p.a.	25 years	72,470	1,27,41,131	2,17,41,131

₹90 Lakh LIC Home Loan EMI for 30 Years

LIC home loan of ₹90 Lakhs EMI for 25 years is mentioned below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹90 Lakhs	8.50% p.a.	30 years	69,202	1,59,12,797	2,49,12,797

₹90 Lakh LIC Home Loan – Fees and Charges

LIC Housing Finance charges various fees for different home loan types. These charges include processing and foreclosure fees, which vary by loan type and amount. Here is a quick overview:

Loan Type	Processing Fee
Griha Suvidha Home Loan	0.25% of loan amount + GST
Home Loan for Pensioners	0.25% to 0.50% of loan amount + GST
Home Renovation Loan	0.25% to 0.50% of loan amount + GST
Top-up Loan	0.25% to 0.50% of loan amount + GST
Home Extension Loan	0.25% to 0.50% of loan amount + GST
Home Loan for NRIs	0.25% to 0.50% of loan amount + GST
Plot Loan	Up to 0.50% of loan amount + GST
Advantage Plus (Balance Transfer)	Up to 0.50% of loan amount + GST

₹90 Lakh LIC Home Loan – Documents Required

To apply for an LIC Home Loan for 90 Lakh, you must provide some documents to prove your identity, income, and property ownership. Here’s a list of the essential documents required:

Category	Required Documents
KYC Documents	PAN Card Aadhaar Card Address Proof (e.g., utility bill, voter ID) Passport (for NRI applicants)
Property Papers	Allotment letter from the builder or society (for flats) Proof of ownership of the property Latest property tax receipts
Income Verification Documents	Bank account statements for the last 6 to 12 months Salary slips and Form 16 (for salaried employees) Income tax returns for the previous 3 years, with financial statements (for self-employed applicants)

₹90 Lakh LIC Home Loan – Eligibility Criteria

LIC Housing Finance offers various home loan options with specific eligibility criteria. You may refer to the eligibility calculator available on Urban Money to check your eligibility:

Eligibility	Details
Age	Applicants must be at least 21 years old at the time of loan application.
Income	A stable and regular income is required. Salaried individuals, self-employed professionals, and businesspersons are eligible.
Employment Stability	– Salaried Individuals: Minimum 2 years in current employment.
	– Self-Employed/Businesspersons: Minimum 3 years in current business or profession.
Credit History	A good credit score and a clean repayment history are essential.
Property	The property to be financed must have a clear title and comply with legal and technical standards set by LIC HFL.
Co-Applicants	Adding co-applicants like spouses or family members can enhance loan eligibility.

Frequently Asked Questions (FAQs)

What is the EMI for ₹90 Lakh Home Loan for 20 years in LIC?

With a 20-year term and an annual interest rate of 8.50%, the monthly instalment payment (EMI) for a ₹90 Lakh home loan from LIC would be approximately ₹78,104 per month.

Who is eligible for a ₹90 Lakh Home loan in LIC?

Applicants must be at least 21 years old and have a stable income to be eligible. Salaried individuals need 2 years of employment, and self-employed professionals require 3 years in business. A good credit score, a clear property title, and co-applicants can improve eligibility.

What is the monthly interest rate of a ₹90 Lakh home loan in LIC?

A ₹90 lakh home loan from LIC has a monthly interest rate of 0.70%.

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