एलआईसी हाउसिंग फाइनेंस Griha Varishtha (के लिए Pensioners)
ऋण प्रदाता बैंक / संस्थान: LIC Housing Finance Ltd. (LIC HFL)
Up to ₹2 Crore home loan at 8.50% – 9.25% with Up to 30 years (or age 80) tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Specialized home loan product designed exclusively for retirees and pensioners drawing defined-benefit pensions from PSUs, government, or EPS-95.
प्रमुख लाभ एवं विशेषताएं
Extended repayment age up to 80 years; pension commuted income considered for loan eligibility; joint application with working heirs accepted.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Retired employees of Central/State Govts, PSUs, nationalised banks, or EPS-95 pensioners.
संपत्ति एवं तकनीकी शर्तें
Residential dwelling with clear marketable title.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment Terms)
Nil prepayment penalty for floating rate home loans as per RBI mandate
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.lichousing.com/griha-varishtha with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure available for LIC Housing Finance Griha Varishtha (For Pensioners)?
The maximum repayment tenure offered for LIC Housing Finance Griha Varishtha (For Pensioners) is Up to 30 years (or age 80), subject to borrower's age not exceeding 80 years at loan maturity.
What are the processing charges and prepayment rules for LIC Housing Finance Griha Varishtha (For Pensioners)?
The processing fee is 0.50% (Max ₹10,000) + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for LIC Housing Finance Griha Varishtha (For Pensioners)?
Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.
Why does LIC Housing Finance Griha Varishtha (For Pensioners) require property approval in a formal layout?
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible.