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NRI Housing Loan

Back to NRI Corner

For NRI's the loan tenure is from 1 to 15 years. NRIs will get only 85% of cost of home as loan amount with an upper limit of Rs. 1 crore. The interest rate will vary depending upon the financial institution. At the time of making loan application a processing fee is payable which will also vary according to the institution. In order to get a housing loan approved by a Housing Finance Company, an NRI borrower is required to submit following documents pertaining to the property

Employment/personal documents:
- • Employment contract
- • Passport along with latest visa stamp
- • Identity card
- • Latest salary slip
- • Overseas bank account statement for last six months
- • Proof of residence in India
- • Proof of residence abroad
- • Copy of appointment letter from the company employing the applicant
Property related documents:
- • Agreement papers of sale/ construction
- • Receipts for payments
- • Allotment letter from the co-operative society
- • Latest tax paid receipt
Eligibility:
The eligibility for NRIs does differ from Resident Indians. The criteria's included are:
- 1) Age:
  - a) The minimum age of the NRI applicant should be 21 years.
  - b) If you are a salaried applicant, the maximum age allowed at the time of loan maturity is 60 years.
  - c) If you are a self employed person, the maximum age allowed at the time of loan maturity is 65 years.
- 2) Qualification: The loan applicant should be a graduate.
- 3) Passport: You should have a valid passport.
- 4) Payment terms: The NRI has to pay EMI through his NRE/NRO accounts.
- 5) Monthly income: The applicant should have a monthly income of $ 2000.
Rate of interest:

Rate of interest will be as per the current rates and may vary, as different financial institutions have different rates. Possessing fees also varies between 1% and 2% depending on different financial institutions.

*Disclaimer- Data provided above is strictly for informational purposes only. We do not make any claims on accuracy of information.

Testimonials

It has been a wonderful experience in owning a commercial space at Gera's latest offering in Goa GERA GRAND.

How has your experience been of owning a commercial space with Gera?

My experience has been excellent. I have purchased an office in Gera’s Imperium 2 and a s..

Having a commercial space in and around Panjim was our long desire and this could be possible with Gera’s.

Patto Plaza has ..

First of all I would like to thank  you  and the Gera team for organizing different workshops at our doorstep.
The best thing I have done to my kids is that I took a right decision to buy a flat in Gera.
Because of this decision , Vishnu could attend  the development workshops that were conducted.
Vishnu was a shy child who didn't like to participate in any of the programmes.
As far as Dale Carnegie workshops is concerned   it  has given him a lot of confidence and was presenting things in a much better way and I can see a lot of improvement in him.In simple words u made a person(..

My son Tattva had been enrolled in the intermediate level and has been coached by the Vishwanathan Anand Chess Academy coach . Tattva has made remarkable strides and will be on his way to get his FIDE rating in November. A lot of credit goes to the mentor for his unique way of handling his students. He has been very patient while working with Tattva on his areas of improvement. In addition before the tournament the coach had voluntarily added additional classes and doubled his efforts to get a better performance out of Tattva. He has shown complete ownership which is commendable. I hope he continues to develop more and more chess players in the coming days.

..

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