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NRI Home Loan
Searching for NRI home loans in Mohali? You’re in the perfect place. With our NRI home loans, NRIs can invest in property across India. The interest rate on NRI home loans is very genuine at our premises because we understand the happiness of having a home in our own country.
Features and Benefits of NRI Home Loan
- 100% Genuine interest rates and low EMI
- Minimal processing charges
- Financing available to NRIs, PIOs, and OCIs* to buy an apartment, row home, or bungalow from private developers in projects that have been authorized in India
- Loans from development authorities like MHADA, DDA, and others for the purchase of real estate.
- Loans for building on an Indian development authority-allotted site, a freehold or leasehold property, or both
- Loans for the purchase of privately constructed dwellings or buildings owned by Cooperative Housing Societies, Apartment Owners’ Associations or Development Authorities
- Use property Loan Advisory Services in the nation in which you now reside. Use Property Search Advisory Services to get professional legal and technical advice to help you choose a property
- Valuable information about locations, developer projects, documentation, and offers
- Loan for buying real estate in any part of India**
- There are additional loans available for people who work in the Merchant Navy
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NRI Loan Eligibility and Documents
Call to know the criteria required to apply for our Personal Loan
NRI Loan Eligibility Criteria
To qualify for a personal loan, you have to meet certain criteria. Below are the important factors that lenders take into consideration to decide your eligibility for a personal loan.
- Age should fall under the age of 21 years to 60 years
- Net monthly income should be 15,000/- for salaried and self-employed, yearly transactions should be a minimum of 20 lakhs
- Credit score must be above 650
- Debt-to-income ratio
- Employment stability
- Maintained a good credit score
- Clear repayment history
- Must be a Resident Citizen of India.
Documents required to apply for NRI Loan
Identity Proof – Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card
Proof of Residence or Address Proof – Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card, Electricity Bill, Telephone Bill, Ration Card
Age Proof – Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card
Income Proof – 1 year Bank statement, 3 months Salary Slips
Employment Proof – Employment Certificate, Office address proof
GST or VAT Registration for Self-employed
Photograph – Passport-size photographs
Business proof – Business registration documents such as a partnership deed, Memorandum of Association (MOA), Articles of Association (AOA), etc.
Income tax returns – Documents of the past 2-3 years to verify income and tax payment history
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FAQ
NRI loans are financial products designed for non-resident Indians to access funds for various purposes like home buying or personal needs.
We offer a range of NRI loans, including NRI Home Loans, NRI Personal Loans, NRI Education Loans, and more.
You can apply online through our website, and our team will guide you through the application process and documentation.
Eligibility typically depends on factors such as income, creditworthiness, and the specific loan type.
Commonly required documents include passport, employment details, income documents, and bank statements.
Yes, you can apply for an NRI home loan to purchase residential property in India.
Interest rates and terms vary by the lender and the specific loan type.
While processing fees and documentation charges may apply, these should be transparent and disclosed by the lender.
Yes, you can prepay NRI loans, and some lenders may have prepayment penalties. The terms vary.
Missing an EMI payment can result in late fees and negatively affect your credit score. It's essential to communicate with the lender in case of financial difficulties.
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