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NRI HOME LOAN

Overview

Eligibility & Documentation

Fees & Charges

Ways to Apply

EMI Options

FAQs

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Getting Started

What is a Home Loan for NRI?

It’s a magical feeling to own a home in the same place as you grew up in. It will forever house cherished memories for generations to come. That’s why Tata Capital NRI Home loan makes getting a loan simple and hassle-free. We give you complete flexibility on how you want repay the loan. We are here to make home happen for you no matter where you are in the world.

What are the benefits of Home Loans for NRIs?

By choosing our Home Loans for the Non Resident Indians, you will enjoy the following benefits:

Attractive home loan interest rates
Dedicated and Experienced team of experts
Flexible EMI repayment options
Customise your home loan tenure.

Will my processing fees be refunded?

We at Tata Capital incur expenses when we process your home loan application irrespective of whether you take the loan or not. Processing involves scrutiny of your application, verification of your documents, assessing your application, calculating your eligibility and so on. Our processing fee is minimal but non-refundable.

Loan Details (Amount & Tenure)

What is the minimum and maximum time allowed to repay my Home Loan for NRI?

The minimum tenure for repaying NRI Home Loan is 1 year and the maximum time given to repay your NRI Home Loan is 15 years.

What is the maximum amount available for the Home Loan for NRI?

The maximum amount of money you can get from our Home Loan for NRI depends on your needs and eligibility.

What is the interest rate for the Home Loan for NRI?

Our interest rates start at 9.00% and are highly competitive.

Eligibility

Am I eligible for a Home Loan for NRI?

To be eligible for our home loans for NRI, you have to be a non-resident Indian. You should be in the age group of 24 and 65 (At the time of completion of the Home Loan for NRI loan). A salaried customer should have total 3 years of work experience. Self-employed are not eligible.

What are the documents I require for a Home Loan for NRI?

Copy of valid passport showing VISA stamps.
Copy of valid visa / work permit / equivalent document supporting the NRI status of the proposed account holder
Latest contract copy evidencing Salary / Salary Certificate / Wage slip (latest W2 for USA, Latest P60 or IT returns for UK, work contract for UAE, Bahrain, latest IR8 for Singapore and latest B4 for Hong Kong).
Overseas Bank A/C for the last 6 months showing salary credits. If the customer has a local NRE/NRO account, the statement is mandatory.
As per the existing process, POA, KYC & Financial documents (salary slip & bank statement) have to be attested by Consulate or Notary Public of the respective country where the NRI is based.

You only need to provide some basic documents for us to process your Home Loan for NRI.

Document	Salaried Individual
Application	Yes
Photograph	Yes
Identity Proof	Yes
Residence Proof	Yes
Latest Salary Slip	Yes
Form-16	Yes
6-month Bank Statement	Yes
Education Proof	No
Business Existence	No
Last 3-year ITR of Individual	No
Last 3-year ITR of Profession	No
Last 3-year P/L Statement	No
Last 3-year Balance Sheet	No
Business Profile	No

Flexible EMI Plans

What are the Flexi EMI plans available to me?

Standard EMI Plan:

Standard EMI Plan allows you to pay the principal amount along with the interest consistently for your defined tenure

1. EMI amount remains the same for the entire home loan period.

Standard EMI Plan is ideal if You have a consistent income.

Step Up Flexi EMI Plan:

Step Up Flexi EMI Plan offers great flexibility. This repayment option allows you to pay lower EMIs in the beginning and as your salary increases you pay higher EMIs.

1. Provides higher Home Loan eligibility

2. Pay more when you can afford

3. Helps to manage income flow efficiently

Step Up Flexi EMI Plan is ideal if you expect your income to increase at regular intervals.

Know How It Works

How to apply for a NRI Home Loan?

Complete A Simple Form Generally, takes about 5-10 minutes Upload Documents Keep all the mandatory documents handy Get on spot conditional Approval Get funds in your account within days

Online

We are with you any time of the day.

Phone

Our customer support team is happy to help you. Call us on toll free number at 1800 209 6060 from Monday to Saturday from 8 am to 7 pm. You can request a call back too.

Branch

Walk into any of our nearest branch to apply for a loan.