NRI Home Loans
Finance property in India from wherever you are — structured for overseas income, NRE/NRO accounts and repatriation rules, handled across time zones.
Overview
How An NRI Home Loan Works
Non-Resident Indians can finance property in India with loans structured for overseas income, NRE/NRO accounts and repatriation rules. Our NRI desk handles documentation across time zones and coordinates with a power of attorney where needed.
What you can fund
Loan Options For NRIs
Purchase
Buy a new or under-construction home in India.
Resale
Buy a ready, previously owned property.
Plot / Construction
Buy a plot and/or construct a home on it.
Balance Transfer
Move an existing NRI home loan to a better rate.
Eligibility
Who Can Apply
- Indian passport or OCI/PIO card holder
- Minimum 1 year of overseas employment (varies by lender)
- Stable income in a permitted currency
- Age 21-60 years at loan maturity (varies by lender)
Paperwork
Documents You’ll Need
- Passport and valid visa / work permit
- Overseas employment contract or appointment letter
- Latest 3-6 months overseas salary slips
- NRE / NRO bank statements for 6-12 months
- Power of Attorney (as per lender format)
- Property documents
FAQ
NRI Home Loans — Common Questions
Can I Apply Without Travelling To India?
Yes. Most steps can be completed remotely, with a Power of Attorney handling in-person formalities.
Which Account Is Used For Repayment?
EMIs are typically paid from an NRE or NRO account. Your advisor will confirm based on the lender.
What Loan-To-Value Can I Expect?
Usually up to 75-80% of property value, subject to lender policy and income.
NRI desk
Send Us Your Requirement
Share a few details and an advisor will get back to you across your time zone.
Buying In India From Abroad?
Get guidance tailored to your goals at every stage of the loan.
Call +91 99625 40640