LICHFL Financial Services Limited

	About us
	Introduction
	Find a plan
	Tips for Customers
	About us:
	LICHFL Financial Services Limited Complete financial solutions to secure your future
	» LICHFL operate in the financial services industry, with "Customer as the Center of Focus," and strive for long-term relationships with our customers. » LICHFL provide multiple financial solutions for every customer segment, and unique products for specific stages of the customer life cycle, such as savings, investments, loans, insurance and pensions - thus meeting your every financial need. » LICHFL is the corporate agents of the Life Insurance Corporation of India (LIC), distributors of AAAF/stable rated LIC Housing Finance’s housing loans, and Mutual Fund Agents certified by AMFI.
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	Introduction
	Why Home Loans? To own a home is everyone's dream. From a single room to multi-storeyed apartments, private villas, holiday homes, second homes - the Housing market is well developed in most towns. Home loans help you realize your own home dream, even when you are young.  LICHFL help you plan your dream home as you start your working life, by offering various options of easy installments, Income Tax benefits and more. Why LICHFL? Taking a home loan is a major decision, involving a large investment. Though the availability of easy financing, innovative products and other value-added services by Home Loan companies have made the home buying process relatively easy, for a customer it is still a challenge to decide which home loan works best for him. LICHFL believe that LICHFL is the best choice for you because:
	» LIC HOUSING FINANCE LIMITED is one of the largest Housing Finance providers in India, which has provided finance for almost 9,50,000 houses in the country. » LICHFL is a single-product company with its core business being Home Loans, and has  about  two decades of experience and in-depth knowledge of  the real estate market dynamics. » LICHFL provides: •   Lowest Interest Rates •   Easy application, quick approvals. •   Largest Network. •   No Hidden Costs. » The Company has been rated as FAAA/Stable by CRISIL.
	Why buy from us? LICHFL  operate in the Financial Services industry with you as the center of focus. LICHFL provide complete, holistic financial solutions to meet all your financial needs. LICHFL  ensure well-trained, professional financial planners at your service, as well as provide you with personal finance education and money management tools, to help you make the right decisions for your secure future.
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	Find a plan
	Loan for all Some plans that suit your needs: 1. Griha Prakash Who can avail of this plan: » Salaried Group  (State / Central / Semi-Central / Public Limited / Private Limited / Corporations) » Self employed persons » Professionals Get loan for: » Purchase of residential Plot/House/Flat » Construction of Residential House/Flat » Renovation/Extension/Repairs to Residential House/Flat » Take over of housing loans from other financial institution 2. New Griha Laxmi Loan against Liquid Security such as: » Life Insurance Policies » Post Office Instruments » Fixed Deposits with Nationalised Banks Who can avail of this plan: » Salaried Group  (State / Central / Semi-Central / Public Limited / Private Limited / Corporations) » Self employed persons » Professionals Get loan for: » Purchase of residential Plot/House/Flat » Construction of Residential House/Flat » Renovation/Extension/Repairs to Residential House/Flat » Construction of clinic or office premises    NRI Some plans that suit your needs: 1. Griha Shobha Who can avail of this plan: » NRIs (persons of Indian Origin) » Working abroad (must be in Service) Get loan for: » Purchase of residential Plot/House/Flat » Construction of Residential House/Flat » Renovation/Extension/Repairs to Residential House/Flat    Mortgages Some plans that suit your needs: 1. Griha Vikas Loan against Mortgage of: » Residential House / Flat Who can avail of this plan: » Salaried Group  (State / Central / Semi-Central / Public Limited / Private Limited / Corporations) » Self employed persons » Professionals Meet needs like.. » Children’s Education » Marriage » Foreign Travel » Purchase of another property » Business Expansion 2. Rental securitization Loan against Mortgage of Residential Home / Flat and rent receivables for the unexpired Period of Lease specified in the Lease Agreement: » Residential House / Flat » Commercial Property Who can avail of this plan » Salaried Group  (State / Central / Semi-Central / Public Limited / Private Limited / Corporations) » Self employed persons » Professionals Meet needs .. Both personal or business like.. » Children’s Education » Marriage » Foreign Travel » Purchase of another property » Business Expansion    Professionals Some plans that suit your needs 1. Apna Office 1 Who can avail of this plan: Professionals like » Doctors » Engineers » Architects » Chartered Accountants etc. Get loan for: » Purchase/ Construction/ Renovation/ Extension/ Repairs to Commercial premises for own professional practice » Purchase of Professional equipment 2. Apna Office 2 On the basis of projected income and Cash Flow this plan can be availed by: Professionals like » Doctors » Engineers » Architects » Chartered Accountants etc. Get loan for: » Purchase/ Construction/ Renovation/ Extension/ Repairs to Commercial premises for own professional practice » Purchase of Professional equipment
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	Tips for Customers
	There are two aspects of Home Buying: Property Search and Home Loan
	1. Property search Some of the primary concerns of Home Buyers are matters pertaining to the property's title, its pricing, the developer’s track record, and so on. 2. Home Loan After spending time and effort to research and find your dream home, selection of a Home Loan company and the loan product should not be a hasty decision. The main issues besides the rate of interest offered, would be the company’s loan procedure, product range, quality of services offered and safe retrieval of the Title Deed of the property deposited as a security for the housing loan, on completion of the loan tenure. You should also be aware of how you can enhance your loan eligibility without the burden of a higher EMI. LICHFL offers flexibility to customers, enhances their loan eligibility, helps them optimize tax benefits and customize EMIs according to their repayment capacity, so the customer is able to repay the loan comfortably. Further, when you take a home loan you enter into a long-term financial commitment, as home loans are long-term loans where the commitment is for a period of 15 to 20 years. In case of any unforeseen event during this period, it is better to make sure that your family is not burdened with the loan liability. Hence, to take care of uncertainties during such a long period, it is better to take a Home Loan Insurance. And finally, it is best to go with companies that have established themselves over the years, as they are more flexible and will be able to offer you customized services. The other advantage is this will also help you to encash on the vast pool of knowledge that comes with their experience.
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