Housing Loan And Insurance Services
I will provide Housing Loan And Insurance Service from LIC and LICHFL. Check below and contact us for kown more about insurance and housing loan.
Construction Loan
Purchase Loan
Improvement Loan
Mortgage Loan
Takeover Loan
LIC HOUSING FINANCE LIMITED
- Housing Loan Service all over Tamil Nadu
- Requirements from Applicants
- Plan & Estimate Consultation
- Application Submission
- Loan Sanction
- Documents Verification
- Documents Legal Consultation
- Valuation Works
- Inspection Coordination
- Registration Works
- MOD Registration
- CELL Registration
- EMI Schedule details
- Income Tax Certificates
- Additional / Further Loans
- Doctors’ Loan
- Rental Based Loans
- Part Principal Repayment
- Loan Closure
- Receive Original Documents
Most Popular Plans
Insurance Plans
Children’s Plans
Pension Plans
Term Assurance
LIC of India
- New Policy
- Policy Loan
- Premium Reminders
- Premium Collection
- Premium Point – Receipts
- Premium Paid Certificates
- Lapsed Policies – Revival
- Loss of Bond / Duplicate Policy Bond
- Assignment & Reassignment
- Change of Nomination
- Change of Address
- Change of Servicing Branch
- Mode Alteration
- Death Claim
- Survival Benefits
- Nach / ECS
- Neft Registration
- Maturity Reminder
- Maturity Service
My Role
Housing Loan
Facilitator of Providing” Shelter with security”
Information to the Customers about the benefits of the Housing Loan Schemes and explaining about the Product potential, Interest rates, and also Income Tax benefits.
To Housing Loan sanction, main factors viewed in the context of Individual Applicants are:
Employment, Qualification, Profile of the Employer, Stability of the employment, Gross Salary, Net Salary, perquisites if any, Dependent family members, Future commitments, Savings history, Existing LIC policies, and General cultural/social background, etc.
Title Approval is the most important. Check whether the Title of the Property is clear for the last 21 years and all the link documents are available for at least 21years. Title deeds are Sale Deed, Lease Deed, Settlement deed, Partition deed, Release Deed, Power Deed, Registered Sale Agreement, etc. Supportive evidence is Encumbrance Certificate, Legal Heirship Certificate, Revenue receipts, Tax receipts, Electricity receipts, Copies extracted from Govt. Permanent Land records (if necessary) etc.
The Applicants may be Individual or Husband and Wife, Father/Mother and son/s, Father/Mother and Daughter/s or brother/s and sister/s.
The Property may be in the name of Husband and/or Wife and the income may be derived from Husband and/or Wife and they can be Joint Applicants. Since the Loan is based on repaying capacity, the Applicant should essentially be the earning Member.
In case of Joint Applicant being Brothers/Sisters, the property should be in the joint names of all the Applicants.
In the case of Father/Mother and son(s) / daughter (s), one of the Applicants should be the owner of the property and others are Co-Applicants.
Unrelated persons are not considered to join as Co-Applicant for Loan Application.
If the Applicant/s are not able to come in person to avail of the loan, they will be represented through their General Power of Attorney (by LIC HFL format).
NRI Applicants execute the General Power of Attorney in abroad should be attested by the Indian Embassy / Notary public Advocate in Where the Applicant resides. Further, such a General Power of Attorney executed in Abroad is received in India will be Adjudicated in related Sub Register Office within 3 months as per persuade the Local Stamp Act.
Finally, our aim should be to help all Customers which saves their time and quick process to avail a maximum loan for their needs.
Regarding Life Insurance Policy service, create confidence in the Customer and know about their family Circumstances and also explain the suitable Policy Schemes to their needs.
Involve all Customers to take Life Insurance Policies to the best of their capabilities in furthering the interests of their Family and providing efficient service with courtesy.
Act as trustee of the Insured Customers in their individual and collective capacities. Have continuous Interaction, Guidance, Assistance, Dedication, and by offering the Best Services.