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    NRI Home Loan

    At ICICI Bank, you can get a wide range of Home Loans for purchasing, constructing, repairing or redecorating your home thus providing a one-stop solution for your Home Loan needs. We offer affordable Home Loan at attractive interest rates and flexible tenure.

    Apply for a Home Loan online, conveniently from your home or office overseas. Avail digital sanction in 5 simple steps through Express Home Loan, a self-service digital platform for our existing as well as new non ICICI Bank customers.

    Apply For NRI Home Loan

    NRI Home Loan EMI Calculator

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    • ₹ 10,00,00,000
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    Apply Now Interest Rates

    Feature & Benefits of NRI Home Loan

    Long Tenure

    Home Loan Repayment tenure up to 30 years*

    Attractive Rate of Interest

    Repo Linked Interest rate

    Database of Approved Projects

    Choose your dream home from ICICI Bank’s Approved Project

    Digital Sanction

    Online sanction in 5 simple steps
    More Convenience

    Disbursement through power of attorney holder

    Multiple Variants

    Loan for builder purchase, fully constructed or under construction, resale , plot or self construction

    *30 years tenure is available for NRI/OCI salaried customer residing in USA, UK, Canada, Singapore or seafarer

    STEPS TO APPLY FOR NRI HOME LOAN    

    Step 1

     

    Fill up your basic & income details

     

    Step 2

     

    Check & accept offer

     

    Step 3

     

    Payment of Processing Fee

     

    Step 4

     

    Upload KYC & income documents.

     

    Step 5

     

    Download provisional sanction letter*

     

     

    TnC *This is only a provisional offer, in principle approval will only be after loan application is assessed by our credit manager. 

     

     

    Apply Now

     

    Request a call back

    NRI Home Loan Eligibility

    Age Minimum: 21 Years
    Maximum: 65 Years or retirement age whichever is earlier at the time of maturity of loan.
    Eligible profiles Salaried: Minimum 1 year of employment overseas
    Self-Employed:Minimum 3 years in current business overseas
    Tenure Home Loan: 30 Years
    Home Improvement Loan: 15 Years
    Land Loan: 20 Years
    Minimum Income
    Country/Employment Type
    Merchant Navy
    Other than Merchant Navy
    GCC
    26000 USD
    84000 AED
    Other Countries
    26000 USD
    42000 USD
    Interest Rate
    To know more Click here

    Documents required for NRI Home Loan

    Sr No      Document Type     Salaried    Self-employed
    1
    Duly signed application form with passport size Photograph
    (Applicable only if loan is applied in physical mode)
    Y
    Y
    2
    KYC documents :
    • Identity Proof : Valid Passport
    • NRI Status Proof: Valid work visa/Residence permit/permanent citizen card.OCI card (applicable for OCIs only). In absence of OCI card, OCI declaration in ICICI Bank’s format to be submitted.
    • Overseas Address Proof
    • Indian Address Proof: (Proof is required only if selected as mailing/communication address)
    • PAN card: in absence of PAN number, FORM60 to be submitted
    Y
    Y
    3
    Income proof:
    • Latest 2 month’s Salary/Wage Slips Or Salary Certificate
    Y
    N
    4
    Income proof:

    • Latest 3 months overseas bank statement with salary credit
    Y
    N
    5
    Business proof
    • Latest 3 Year audited/CA certified /CPA compiled/reviewed P&L accounts & Balance sheet (along with schedule)
    • Latest 3 Year IT returns & computation of Income
    • Copy of Incorporation of business(Equivalent to memorandum of association and article of association)
    • Latest 6 months overseas operative bank statements
    • Incorporation Certificate/ Company registration certificate
    • Office Address Proof
    • List of director and shareholding pattern
    N
    Y
    6
    Overseas Credit Bureau Report

    (Must reflect credit score & repayment history of overseas loans & credit card and not older than 45 days )

    (Applicable for USA, Canada, UK, Singapore, Hong Kong , Germany, Kuwait , Saudi Arabia , Bahrain , Qatar, UAE, Oman, New Zealand, South Africa, Australia, Ireland)
    Y
    Y
    7
    Additional Document only required for Balance Transfer:
    Last 1 Year Bank statement through which EMI is getting debited or statement of loan account
    Y
    Y
    Disclaimer: This is an indicative list only. Additional documents may be asked for on a case-to-case basis..

    NRI Home Loan FAQ's

    Expand All | Close All

    Yes. An NRI/OCI individual can apply for Home Loan in India.

    As an NRI/OCI customer if you are applying through offline mode, you are required to be physically present in India and submit a signed physical application form along with self-attested KYC & income documents.

    As an NRI/OCI customer if you are applying through online mode, you are required to upload a scanned copy of the original documents. In ICICI Bank, we have our online digital platform, Express Home Loan (EHL) through which our NRI/OCI salaried customers can apply. You can start the journey as either ‘New to Bank’ customer or ‘Existing customer'. Click here to start your mortgage loan application.

    Yes. PIOs can apply for a Home Loan in India.

    VIEW MORE

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