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NRIs are required to submit additional documentation in the form of a copy of the passport, a copy of the work contract etc. Another key document required while processing an NRI home loan is the power of attorney (POA). The power of attorney (POA) is important because, since the borrower is not based in India; the HFC would need a representative in lieu of the NRI. Although not obligatory, the power of attorney (POA) is usually drawn on the NRIs family members.

The documents needed for obtaining NRI home loans are:

  • Passport and Visa
  • A copy of an employee appointment letter and contract
  • The labor card/identity card (translated in English and countersigned by the consulate) and salary certificate (in English) specifying name, date of joining, designation and salary details
  • Bank Statements of the last six months
Salaried NRI Applicants Self-Employed NRI Applicants

Copy of valid passport showing VISA stamps

Passport copy with valid visa stamp

Copy of valid visa / work permit / equivalent document supporting the NRI status of the proposed account holder

Brief profile of the applicant and business / Trade license or equivalent document

Overseas Bank A/c for the last 3 months showing salary credits

6 months overseas bank account statement and NRE/NRO account

Latest contract copy evidencing Salary / Salary Certificate / Wage Slips

Computation of income, P&L account and B/Sheet for last 3 years certified by the C.A./CPA or any relevant authority as the case may be (or equivalent company accounts)


In Order To Acquire A Property You Will Need The Following Documents:

  • Original title deeds tracing the title of the property for a minimum period of the last 13 years
  • Receipts for having invested the margin money through normal banking channels from the Non-Resident (External) account in India and/or the Non-Resident (Ordinary) account in India
  • Encumbrance Certificate for the last 13 years
  • Latest tax paid receipt
  • Agreement of sale/construction, if any
  • >Allotment letter from the co-operative society/association of apartment owners
  • Receipts for payments made for purchase of the dwelling unit
  • Agreement for sale/sale deed/detailed cost estimate from Architect/Engineer for property to be purchased/constructed/extended/improved
  • Approved plan/license
  • Copy of approved drawings of proposed construction/purchase/extension
  • ULC clearance/conversion order etc

If the PIO card is not available, photocopies of any of the following documents:

  • The current passport, with birthplace as INDIA
  • The Indian passport, if held by the individual earlier
  • Parents/grandparents Indian passport/birth certificate/marriage certificate substantiating the individuals claim as a person of Indian origin


Before construction begins, the builder must seek permissions and approvals from the relevant bodies. Without these clearances, the construction may come under litigation.


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