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LIC Product and Forms
LIC OF INDIA
 
KOTAK BANK - HOME LOAN
Hoam Loan Fresh
Hoam Loan Resale
Hoam Loan Balance Transfer (Top Up)
Hoam Loan Balance Transfer (Drop Line O.D.) (O.D. Drops by 10% p.a.)
Hoam Loan Self Construction
Hoam Loan Seller Balance Transfer(B.T.)

 

Amount of Loan Sanctioned
(1) 80% of sale Deed Below 75 lacs
75% of sale Deed for 75 lacs & above
75% of sale Deed for extra balance
(2) EMI can be upto 130% of Annual Income (Avg Income of last year)

 

Interest Rate

9.90%
If property valuation is less than 50 lacs & loan amount is less than 40 lacs

 

Processing Fees (0.50% + S.T.)

Registered Mortgage Required for loan 1 crore & above
Registered Mortgage 0.35% of loan
Extra work payment is disbursed in the name of client only PAN card & photo of Any third party is required
Disbursement upto 1 crore = 0.55
About 1 crore & upto 2 crore = 0.65
About 2 crore & upto 3 crore = 0.75

 

Rate

LAP Residence - Market value * 60% to 65% max - Int. Rate 11.50% to 12%
Builder profile - Int. Rate 14%
Ind. Property - Int. Rate 13.5%
Commercial Purchase Loan - Int. Rate 11.5% to 12%
 
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