LIC Home Loan 2026: The last days of 2025 are just around the corner, and the new year 2026 is about to begin. If you are planning to buy your own home in the new year, it is very important to first know the home loan interest rates of different banks and NBFCs. Even a small difference in interest rates can save you lakhs of rupees on your loan because home loans are long-term and large loans. Currently, LIC Housing Finance is offering home loans to its customers at the lowest interest rates.
Features of LIC Housing Finance Home Loan
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LIC Housing Finance home loan interest rates start from 7.15%. If you have a good credit score, you can get a loan of up to Rs 5 crore at this interest rate. However, interest rates may increase if your credit score is low.
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Interest Rate Based on Credit Score
LIC Housing Finance offers interest rates to its customers based on their credit score. The current interest rates are as follows:
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Above 825 – 7.15 percent
800 to 824 – 7.25 percent
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775 to 799 – 7.35 percent
750 to 774 – 7.45 percent
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725 to 749 – 6.65 percent
700 to 724 – 7.95 percent
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600 to 699 – 8.75 percent
Below 600 – 9.55 percent
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Maximum Loan Amount Based on Credit Score
The better your credit score, the larger the maximum loan amount you will receive. According to LIC Housing Finance, the maximum loan amount is as follows:
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Above 825 – 5 crore
800 to 824 – 5 crore
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775 to 799 – 50 lakh
750 to 774 – 50 lakh
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725 to 749 – 50 lakh
700 to 724 – 50 lakh
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600 to 699 – 35 lakh
Below 600 – 35 lakh
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Why is the LIC Home Loan option the best?
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LIC Housing Finance’s home loan is beneficial for those who want a large loan at a low interest rate. This loan is available at an interest rate of 7.15% for customers with a good credit score. This reduces the overall cost of the home loan and saves lakhs of rupees in the long run.