L&T Housing Finance

L&T Housing Finance Home Loan Details

9.90% - 10.75%

Up to 2% + Service Tax

1 year to 20 years

Nil

Nil

Guarantor Required if no co-applicant


Overview


L&T Housing Finance Ltd ensures that we give you unmatched quality service and transparency right through the loan procedure and a handholding experience that remains with you till the time you realize your dream home. Home loan can be provided for Construction, for Purchase of House, Home Improvement Loans.

Features of L&T Housing Finance Ltd

  • Loan Tenor Up to 20 years
  • Loans Ranging from Rs. 3 Lacs to Rs. 10 Crores
  • Attractive rate of interest
  • *Home Loans up to 80% (90% in certain scenarios)of the property value
  • Flexible repayment options like Tranche based EMI and Part Prepayment Scheme
  • Loan consideration includes registration fees and stamp duty
  • No Pre-payment Charges
  • Income based product offering (Gross Receipt Product, Gross Margin Product, Banking Based product etc)
  • Repayment based product offering (Step Up / Step down)

Documents Needed


For Salaried :
  • Application form with photograph
  • Duly completed application form signed by all applicants /co-applicants
  • Identity proof, Age proof and residence proof
  • Job Confirmation Proof, Required if  applicant below 23 years of age
  • Last one month's salary slip OR Last month's salary certificate with deductions OR Last month's salary certificate with deductions for fix income salaried
  • Latest four month's salary slips OR Latest month's salary certificate with statement of variable components of income for last four months for variable income salaried
  • Form 16 latest / ITR
  • Bank statement required for the last six months
  • Processing fee cheque

For Self Employed:
  • Application form with photograph
  • Duly completed application form signed by all applicants /co-applicants
  • Identity proof, Age proof and residence proof
  • Partnership deed copy / MOA / Article of Association if applicable
  • Office address proof
  • Latest two ITRs, both personal and business along with computation of income
  • Latest two years P&L accounts and Balance Sheet (with schedules) duly certified by a CA
  • Advance tax challans if available
  • Bank statement required for the last six months from operating Account
  • Processing fee cheque

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