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Explore L&T Finance Home Loan interest rates starting at 8.60% p.a., tenure, eligibility, maximum loan amount up to ₹7.5 crores, and application process. Get complete details on Bajaj Markets.
Starting Interest Rate
Max. Loan Amount
Max. Tenure
If you are looking for an affordable housing finance solution, the L&T Housing Finance home loan may be a great option for you. Get loan amounts up to ₹7.5 Crores at competitive interest rates starting from 8.60% p.a., with repayment tenures of up to 25 years to suit your needs.
L&T Finance offers competitive home loan interest rates along with standard processing and prepayment charges. Interest rates and charges are as listed below:
Particulars |
Charges |
|---|---|
Interest Rate |
8.60% p.a. onwards |
Processing Fee |
Up to 3% of the loan amount + GST |
Part-prepayment Charges |
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Foreclosure Charges |
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Late Payment Charges |
3% of the overdue EMI amount |
Disclaimer: Interest rates and charges are subject to the lender’s internal policies, eligibility criteria, and documentation.
Apart from the standard interest rate and processing fees, L&T Finance may apply additional charges for specific services. These are listed below:
Particulars |
Charges |
|---|---|
Loan Cancellation Charges |
₹5000 + GST |
Documentation Fee |
₹2000 + GST |
Non-compliance Fee |
1% of principal outstanding + GST |
Auction Fees |
Up to 1% of the auction sale amount + GST |
Legal Fees and Charges |
Up to ₹50,000 + GST |
Recovery Charge |
Up to ₹1,00,000 + GST |
Disclaimer: Interest rates and charges are subject to the lender’s internal policies, eligibility criteria, and documentation.
Get a home loan of up to ₹7.5 Crores to meet your housing needs.
Repay the loan over flexible tenures of up to 25 years.
Get affordable interest rates starting from just 8.60% p.a.
Borrow up to 90% of the property’s value with the help of this loan.
To qualify for L&T Finance home loan eligibility, you are expected to meet the following basic criteria:
You must be either a salaried or a self-employed individual
You should fall under the age bracket of 23 to 62 years
You must be an Indian resident
Keep the following documents handy when applying for the loan:
Identity Proof: Aadhaar card or PAN card
Address Proof: Any one of the following
Aadhaar card
Driving licence
Passport
Voter ID
Registered rent agreement
Utility bill
Income Proof:
For salaried individuals: Bank statement of the last 1 year of salary account and salary slips of the last 3 months
L&T Finance offers a variety of home loan options tailored to different financial needs and property goals. Here are the main types available:
Transfer your existing home loan to L&T Finance at lower interest rates and reduce your EMIs with the L&T Finance Home Loan Balance Transfer facili
Get additional funds on your existing home loan for personal or home-related expenses.
Follow these simple steps to apply for an L&T Finance home loan on Bajaj Markets:
Click on the ‘Check Offer’ button on this page
Enter your personal and income details
Select ‘L&T Finance’ from the list of lenders
Choose the preferred tenure and required loan amount
Click on the ‘Submit’ button to complete your application
You can easily track the status of your L&T Finance home loan application through the following methods:
You can also visit the nearest L&T Finance branch with your application number and valid ID proof for an in-person update.
L&T Finance provides convenient options to check your home loan statement. Just follow the steps:
Visit the official website of L&T Finance
Click on the ‘Login’ button at the top-right corner of the homepage
Enter your registered mobile number and click ‘Continue’
Enter the OTP sent to your number to log in
Open the navigation panel and select the ‘Customer Support’ option
Choose ‘Customer Self-help’ and select the ‘Account of Statement’ section
You can view, print, or download your loan statement in PDF format
For any queries, assistance, or support related to your home loan, you can contact L&T Finance through the following channels:
Toll-Free Number: 1800 268 0000
Email: customercare@ltfs.com
WhatsApp Support: +91 73783 33451
L&T Finance’s support team is available to help you with application status, loan statements, repayment queries, and more.
L&T Finance offers flexible repayment choices to help you manage your home loan efficiently:
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For home loans exceeding ₹30 Lakhs, Indian lenders typically finance up to 80% of the property's value. As per RBI guidelines, this means you must contribute a minimum down payment of 20%.
You can secure amounts as high as ₹7.5 Crores with this home loan. However, the amount offered to you will depend on your eligibility and the lender’s policies.
Yes, L&T Finance offers home renovation loans to cover expenses related to repairs, upgrades, or improvements to your existing property.
You can opt for a maximum repayment tenure of up to 25 years when applying for a home loan from L&T Finance.
The processing fee for a home loan from L&T Finance is up to 3% of the loan amount plus applicable GST.
Yes, you can get a home loan for both resale and under-construction properties. The loan type can be selected based on the property's stage and your specific requirements.
L&T Finance applies part-prepayment and foreclosure charges based on how early you repay the loan:
Part-Prepayment Charges:
Up to 3% of the prepaid amount + GST if done within 1 year of disbursement
Up to 2% + GST if done after 1 year
Foreclosure Charges:
Up to 3% of the outstanding principal + GST if closed within 1 year
Up to 2% + GST if closed after 1 year
Funds are disbursed by L&T Finance soon after loan approval and verification within a few working days.
Yes, L&T Finance allows you to apply for a joint home loan with a family member, such as a spouse. It can help improve loan eligibility and repayment capacity.
Yes, you can transfer your existing home loan to L&T Finance through their Balance Transfer facility.
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