LIC Housing Finance Customer Care Number New Toll Free No, Offices Contact

LIC Housing Finance Customer Care Number

LIC Housing Finance Ltd.is one of the largest Housing Finance company in India. It is the market leader in category of Housing Finance companies that has array of services from home loans to personal loans amongst others. LIC Housing Finance Customer Care Number has been discussed so that if any of their service users is facing any problem or need some information then he/she could contact their customer care executives hassle free.

Here we have listed all customer care numbers, latest toll free numbers, office contact and FAQ’s so that users can get all information at one place without roaming here and there. Through these details and provided information you will be able to get in touch with their customer care executives effortlessly.

The main objective of the Company is providing long term finance to individuals for purchase or construction of house or flat for residential purpose / repair and renovation of existing flat / houses. The Company also provides finance on existing property for business personal needs and also gives loans to professionals to purchase their equipments. Now let’s quickly move on to the all customer care numbers of LIC Housing Finance.

LIC Housing Finance Customer Care Number

Here is the toll free 24*7 contact number of the company you can easily call them via these contact numbers and get your all queries solved.

LIC Housing Finance Number – 1800-208-1115

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LIC Housing Finance Customer Care Number

LIC Housing Finance Information Box

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LIC Housing Finance Regional Offices

Listed below is the table of regional offices regional offices of the company. You can find the nearest location and can contact their phone number or reach them as the address is also provided.

LIC Housing Finance Nodal Officer / Customer Relation Officer Contact Details

Here we have listed the table of Nodal officer contact details and customer relation officer contact details so that you can contact them if you need any further assistance.

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Frequently Asked Questions (FAQ’s)

#1. What Makes LIC Housing Finance Ltd. My Best Choice?

Here’s why a loan from LIC Housing Finance Ltd. means a complete peace of mind

• Lowest Interest Rates

• Easy application, quick approvals.

• Insurance – linked security.

• Largest Network.

• No Hidden Costs

A financially strong and stable company we have already sanctioned loans to over 10 lakh applicants With a network of more than 150 offices in the country we are always accessible to applicant , wherever applicant may be.

#2. What Is Meant By Floating & Fixed Rate Of Interest?

Where the loan is under Floating Rate of Interest, the Rate of Interest are at present reviewed every three months ( January, April, July, October ) based on the prevailing market conditions as judged by the Company and LHPLR. The revised Floating Rate of Interest could increase, decrease or remain the same.

However, the Rate of interest will be reviewed every 6 months (January, July) for old Customers as per their loan agreements.

#3. Does LICHFL Give Loan For Purchasing Consumer Durables?

No

#4. Does LICHFL Have Any Overseas Office For NRI’s In The Gulf?

Yes, we have an overseas office in Dubai and Kuwait.

#5. Who Can Apply For The Loan?

The applicant must be in permanent service or engaged in a profession or business to be eligible for a loan. You should have a stable job and a regular income .Their loan schemes are for those going in for a residential house. They may be able to advance you a loan under our scheme if you want to –

• Construct/purchase a new House/Flat

• Buy an existing house or flat not more than 35 years old.

• Extend an existing House.

• Renovation/repairs of an existing House/Flat.

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#6. Who Can Be Co-Applicant?

The Co-owners of the property in respect of which financial assistance is sought, must be co-applicants. Usually joint applications are from husband-wife, father-son or mother-son. The co-applicants must be blood relatives.

#7. For How Long A Period Can I Get Loan?

We grant term up to a maximum of 25 yrs (maximum 15 years under GrihanShobha for NRIs). The term for the loan will under no circumstances exceed the age of retirement or completion of 70 yrs of age whichever is earlier.

#8. What Is The Mode Of Repayment?

Equated Monthly Installment (EMI)

It means a uniform lump sum amount, which includes repayment of a part of the principal amount and payment of interest, calculated on Monthly Rest basis. The amount is payable monthly.

EMI can commence –

• Immediately after full disbursement. or

• After the loan is fully disbursed or until 12 months from the date of first disbursement whichever is earlier

Until EMI starts, Interest is payable on the Amount Disbursed on monthly basis.

#9. What Is The Security For The Loan?

The security for the loan is the first mortgage of the property to be financed by way of deposit of the title deeds, subject to local laws.

#10. What Are The Supporting Documents Required While Applying For The Loans?

Common Requirements

• Application form duly filled in

• Identity Proof such as PAN Card, Voter’s ID card or Passport.

• Address Proof such as Ration Card, Electricity Bill, Telephone Bill, etc.

• Bank Pass-book or statements for the last two years.

• Power of Attorney, wherever applicable

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Additional Requirements;

For salaried persons

• Salary slips for last 6 months.

• Form 16.

For Businessmen / Self-employed

• Three years’ income tax returns/assessment orders along with computation of income and statements of accounts certified by C.A.

• Three years financials – Profit and Loss account, Balance Sheet, Audit Reports, etc.

Purchase from builder

• Copy of Agreement for sale.

• Copy of registration receipt

• Copies of receipts of payment already made.

• NOC from builders

• Copy of Sanctioned plan and sanction letter.

• Copy of NA permission / ULC clearance, wherever applicable.

Direct allotment in a Co-operative Housing Society

• Allotment letter.

• Share certificate

• Society registration certificate.

• Copy of sale/lease deed in favor of the society.

• NOC from society

• Copy of Sanctioned plan and sanction letter

• Copy of NA permission / ULC clearance, wherever applicable.

Direct allotment in a Co-operative Housing Society by Public Agency

• Allotment letter, Share certificate, Society Registration certificate.

• Lease Agreement.

• Public agency’s approved list of members

• NOC from Public Agency in favor of LICHFL

• NOC from society.

Public Agency’s allotment to individuals

• Allotment letter from Public Agency

• Tripartite Agreement between the borrower, LICHFL and the Public Agency in the prescribed format.

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Resale

• Copy of all previous vendors’ registered documents along with copy of your purchase agreement duly stamped and registered and the registration receipt wherever applicable

• NOC from Society/Builder.

• Original Share Certificate wherever applicable

Finance Social Links

• Twitter – twitter.com/LIC_HFL

• Facebook – www.facebook.com/lichousingloans

• Linkedin – www.linkedin.com/company/lic-housing-finance-limited

These contact details will make it easy for you to contact with the company’s customer care executive who will assist you and solve all your queries. If you want any further information you can visit their official website.

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