LIC Housing Finance Customer Care
LIC Housing Finance restricted (LICHFL) provides a selection of consumer credit choices with a number of the market’s best interest rates. looking on the loan quantity, LIC Housing Finance restricted offers cheap house loans with versatile payback terms of up to thirty years.
However, a process fee of up to 0.50 p.c of the loan amount and GST is also assessed. Salary, self-employed, and pensioners will apply for LIC housing funding loans for a spread of objectives, together with house construction, home purchase, land acquisition, and residential improvement.
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NRIs and retirees, on the opposite hand, can enjoy LIC HFL’s housing loan schemes, which provide even lower charge per units. Having aforementioned that, you ought to have a high CIBIL score before applying for a consumer credit so as to avoid rejection on your loan application.
along side its house loan, LIC provides variety of incentives. the subsequent are a number of the benefits of a LIC home loan:
Rates of Interest
The interest rate becomes a major issue once applying for an oversized loan comparable to a house loan. when all, even a small reduction in your LIC home loan interest rate will assist you save considerably on the quantity of interest that you simply would be paying. As a public sector bank, LIC provides house loans at lower interest rates than alternative public sector banks.
Pre Approved Loan Offers
LIC HFL provides pre-approved house loans to its customers, permitting them to receive fast approvals on their consumer credits.
Borrowers with pre-approved loans get immediate access to money. the patron edges the foremost from a pre-approved home loan supply since the funds are like a shot accessible for usage by the borrower.
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Improve Your Credit Score
once you apply for a house loan via LIC and receive approval from your lender, it improves your total credit rating. once you take up a semipermanent house loan with several monthly repayments and with success pay your EMI every month, it’ll show well on your credit record and eventually raise your CIBIL score.
Moreover, you’ll continually build a CIBIL score login to stay an everyday check on your overall credit score and report.
Concessions for feminine Borrowers
LIC HFL offers an additional discount on the charge per unit charged by LIC on the home loan application.
Applying for a LIC consumer credit may be a simple and painless method. you will additionally apply on-line for a LIC HFL house loan, that has less documentation needs and a quicker approval process.
additionally, to all or any of the opposite perks related to a LIC house loan, it also offers insurance-linked security with its home loan.
to supply higher client service, it’s tons of branches distributed round the country. This simplifies the applying process for a LIC consumer credit and permits LIC to deliver higher after-sales services.
All of those are the benefits of a LIC HFL house loan. As a result, whether or not you’re considering buying a brand new home or renovating an recent one, applying for a home loan at LIC may be a prudent move. Moreover, it’s sensible to analysis concerning all the choices and additionally do check Cibil score login on-line before applying for any loan.
In these sorts of cases, home loans are usually offered for extended tenures. Therefore, they need tons a lot of research than the other loans before applying. it’s sensible to solely apply for a consumer credit once you are fully certain concerning the merchandise and are conversant in all its terms and conditions.