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Be it for personal expenses or business requirements, properties have been the most valuable tangible assets people own. And Home Loans or Loans Against Property (LAP) are the most commonly availed loans by people living in India and Non-Resident Indians (NRIs). The NRI Loan Against Property can be used for many purposes, unlike home loans- for business, renovation of your workplace or home, buying commercial property, for higher education, etc.
Things you need to know as an NRI, about NRI Loan against property
Each bank offers different interest rates, tenure, lending terms and conditions, repayment options, etc. with the NRI Loan Against Property. Following individuals can avail of this loan:
Salaried individuals who are above 24 years of age and are in permanent service at the time of loan commencement and up to the age of superannuation.
Self-employed business persons filing Income Tax Return (ITR) and are over 24 years of age at the time of loan commencement and up to 65 years at the time of maturity.
Self-employed professionals qualifying similar criteria as that of self-employed individuals.
Many factors are evaluated by the bank while sanctioning the loan:
Registration of the property kept as collateral
The market value of the property;
The requirement and eligibility of the applicant
Whether the individual is salaried or self-employed;
The applicant’s income;
Credit score —to assess the creditworthiness
The loan amount ranges between Rs 5 lakh to 5 crores, where the individual can avail according to his requirements.
Documents That You Will Need
There would be a list of documents that you would need to produce while applying for the NRI Loan Against Property.
Proof of identity (Aadhaar, voter id, passport, etc.)
Proof of address (Driving license, property tax receipt, electricity bill, etc.)
Date of Birth (birth certificate, passport, driving license, etc.)
Signature proof (Passport, banker’s verification, etc.)
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