RSP LIC Housing Finance Limited
Home Loan
Get the keys to your new home with our housing loan service.
- Getting a home loan is like taking a big step towards owning your dream house.
- With RSP LIC HFL, you get access to a wide range of home loan options, all at some of the best interest rates out there.
- Whether you’re a salaried worker, self-employed, or an NRI, we’ve got something for everyone.
- Plus, our loans can be personalized to match what you qualify for, making it easier for you to get the home you’ve always wanted.
Learn More About
RSP LIC HFL's Home Loan
RSP LIC Housing Finance Limited (RSP LIC HFL) offers a bunch of different home loan options with some really good interest rates. Whether you’re working a job, running your own business, or living abroad, they’ve got something that could work for you. And they can customize your loan to fit what you can afford, which makes it easier for you to buy the home you’ve been dreaming of.
When you’re looking at buying a home, one of the first things you’ll think about is how much it’s going to cost you each month. That’s where mortgage rates come in. Today, mortgage rates can change based on a bunch of things like how the economy’s doing or what the government’s up to. But with RSP LIC HFL, you can count on getting some of the best rates around. They want to make it as affordable as possible for you to buy your own place.
RSP LIC HFL knows that everyone’s situation is different. Whether you’re a regular employee, working for yourself, or living overseas, they’ve got home loan options that can fit your needs. They’ve even got loans for fixing up your place or building a new one from scratch.
One cool thing about RSP LIC HFL is that they can help you figure out how much you can borrow before you start shopping for a home. It’s called getting pre-approved or pre-qualified. That way, you’ll know what your budget is and can focus on homes that you can actually afford.
And RSP LIC HFL makes the whole process easy. They have branches all over, so you can talk to someone face-to-face if you need help. Plus, they’re super transparent about everything, so you’ll always know what’s going on with your loan.
If you already own a home and want to spruce it up, RSP LIC HFL can help with that too. They offer loans for home improvements, like redoing your kitchen or adding a deck to your backyard.
When it comes down to it, RSP LIC HFL is a great choice for getting a home loan. They’ve been around for a long time and have helped tons of people achieve their dream of owning a home. So whether you’re buying your first place or your fifth, RSP LIC HFL can help make it happen.
Features
RSP LIC HFL - Home Loan Features
Our housing loans offer flexible home loan options for competitive rates, personalized terms, easy application, and expert guidance every step of the way.
- Online Home Loan Sanction Facility
- Quick sanction and low EMI
- Maximum Tenure of 20 years
- Amongst the lowest rate of interest
- No Pre-Payment Penalty
- Available for construction / purchase of house or flat from private developer or housing boards and repairs/renovation to the existing properties
- Takeover or balance transfer of existing Home Loans Possible
CIBIL Range
Interest Rate on Home Loan
Rate of Interests (Floating - linked to LHPLR) Current LHPLR - 16.90% ROI updated as on 20.06.2025
Salaried & Professional:
- 7.50% (Up to 5 Crores)
- 7.75% (More than 5 Crores & up to 15 Crores)
Non-Salaried & Non-Professional:
- 8.00% (Up to 5 Crores)
- 8.25% (More than 5 Crores & up to 15 Crores)
Salaried & Professional:
- 7.85% (Up to 50 Lakhs)
- 7.90% (More than 50 Lakhs & up to 2 Crores)
- 8.00% (More than 2 Crores & up to 15 Crores)
Non-Salaried & Non-Professional:
- 8.10% (Up to 50 Lakhs)
- 8.15% (More than 50 Lakhs & up to 2 Crores)
- 9.25% (More than 2 Crores & up to 15 Crores)
Salaried & Professional:
- 7.95% (Up to 50 Lakhs)
- 8.00% (More than 50 Lakhs & up to 2 Crores)
- 8.10% (More than 2 Crores & up to 15 Crores)
Non-Salaried & Non-Professional:
- 8.20% (Up to 50 Lakhs)
- 8.25% (More than 50 Lakhs & up to 2 Crores)
- 9.35% (More than 2 Crores & up to 15 Crores)
Salaried & Professional:
- 8.15% (Up to 50 Lakhs)
- 8.20% (More than 50 Lakhs & up to 2 Crores)
- 8.30% (More than 2 Crores & up to 15 Crores)
Non-Salaried & Non-Professional:
- 8.40% (Up to 50 Lakhs)
- 8.45% (More than 50 Lakhs & up to 2 Crores)
- 8.55% (More than 2 Crores & up to 15 Crores)
Salaried & Professional:
- 8.50% (Up to 50 Lakhs)
- 8.55% (More than 50 Lakhs & up to 2 Crores)
- 9.65% (More than 2 Crores & up to 15 Crores)
Non-Salaried & Non-Professional:
- 8.75% (Up to 50 Lakhs)
- 8.80% (More than 50 Lakhs & up to 2 Crores)
- 8.90% (More than 2 Crores & up to 15 Crores)
Salaried & Professional:
- 9.15% (Up to 50 Lakhs)
- 9.35% (More than 50 Lakhs & up to 2 Crores)
- 9.50% (More than 2 Crores & up to 15 Crores)
Non-Salaried & Non-Professional:
- 9.25% (Up to 50 Lakhs)
- 9.45% (More than 50 Lakhs & up to 2 Crores)
- 9.60% (More than 2 Crores & up to 15 Crores)
Salaried & Professional:
- 9.60% (Up to 50 Lakhs)
- 9.80% (More than 50 Lakhs & up to 2 Crores)
- 10.00% (More than 2 Crores & up to 5 Crores)
Non-Salaried & Non-Professional:
- 9.70% (Up to 50 Lakhs)
- 9.90% (More than 50 Lakhs & up to 2 Crores)
- 10.10% (More than 2 Crores & up to 5 Crores)
Salaried & Professional:
- 8.00% (Up to 35 lakhs)
- 8.35% (More than 35 lakhs & up to 2 crores)
Non-Salaried & Non-Professional:
- 8.35% (Up to 35 lakhs)
- 8.45% (More than 35 lakhs and up to 2 crores)
Salaried & Professional:
- 8.50% (Up to 35 lakhs)
- 8.85% (More than 35 lakhs & up to 2 crores)
Non-Salaried & Non-Professional:
- 8.85% (Up to 35 lakhs)
- 8.95% (More than 35 lakhs & up to 2 crores)
- 10.00% CIBIL ≥ 750 (Up to 15 Crores) (fixed for an entire term)
- 10.25% CIBIL < 750 (Up to 15 Crores) (fixed for an entire term)
Cibil Score: 750 & above
- Loan Slab: Up to Rs. 15 Crores
- ROI: 8.50%
Cibil Score: 700-749
- Loan Slab: Up to Rs. 15 Crores
- ROI: 8.65%
Documents
Documents Required to Proceed Further
Document (Title Deed)
Parent Documents
Plan Approval & Order Copy
Estimate
E.C.(Encumbrance Certificate) 1987 to till date
Actual Plan
Sale Agreement (Rs.100 Stamp Paper)
Sale Deed
Parent Documents
House Tax (Latest)
Plan Approval
E.C.(Encumbrance Certificate) 1987 to till date
Construction Agreement
Registered Sale Deed
Documents (Title Deed)
Parent Documents
Plan Approval, Order and Actual Plan
E.C.(Encumbrance Certificate) 1987 to till date
Housing Loan Services
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- Salary Person
- Self Employed
- NRI Person
Consultations
Learn Types of Housing Loans With Our Team
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Types of Loans
Other Types of RSP LIC Housing Loans
RSP LIC HFL's range of housing loans, offering competitive rates, personalized terms, quick processing, and dedicated customer support for your needs.
Home loans are financial products offered by banks or lenders to help individuals purchase or renovate residential properties, repaid over a specified period with interest. Click here to learn more.
Plot loans are financial products provided by banks or lenders specifically for purchasing residential plots or parcels of land. These loans typically cover the cost of acquiring the land, and repayment terms vary based on the lender’s policies. Click here to learn more.
Home construction loans provide financing for building a new home, covering construction costs like materials and labor. Funds are typically disbursed in stages as construction progresses. Click here to learn more.
Home improvement loans offer funds for renovating, remodeling, or upgrading existing homes. They’re designed to cover expenses such as repairs, additions, or aesthetic enhancements. Click here to learn more.
A home extension loan finances expanding your house, typically secured against property value, with repayment over a fixed term. Click here to learn more.
Loan against property (LAP) allows borrowers to leverage their property’s value as collateral for a loan, providing funds for various purposes with repayment over an agreed term. Click here to learn more.
A home loan top-up allows existing borrowers to borrow additional funds on top of their current home loan, usually at a competitive interest rate. Click here to learn more.
Home loan balance transfer involves moving your existing home loan from one lender to another with better terms, such as lower interest rates or improved repayment options. Click here to learn more.
These are financing options provided to businesses or entities for specific projects or corporate purposes, typically involving large sums of money and structured repayment terms. Click here to learn more about Corporate & Project Loans.
Home loans for Non-Resident Indians (NRIs) allow them to purchase property in India, often with specific eligibility criteria and documentation. Click here to learn more.