ब्रेडक्रम्ब

iob_bank_nri_housing_loans

पेज को अंतिम बार अपडेट किया गया (दिनांक और समय) :Jul 03, 2026 at 06:06:39 PM
NRI HOUSING LOANS
NRI housing loan promotional banner
₹
₹ 1L ₹ 1Cr
1 Year 30 Years
0.5% 15%
Your Monthly EMI
₹ 20,637
Principal Amount ₹ 10,00,000
Total Interest ₹ 2,38,234
Total Payable ₹ 12,38,234
Apply Now Know More
NRI Housing Loan
Specially Designed for NRIs, PIOs & OCI Holders

To own their dream home in India

NRI Housing Loan
Finance Available

Purchase, construction, renovation & extension

NRI Housing Loan
Option To Avail Loan

For a second home and future needs

NRI Housing Loan
No Upper Ceiling On Loan Amount

Based on eligibility and repayment capacity

NRI Housing Loan
Low Margin Requirement

Starting from just 10%

NRI Housing Loan
Easy Repayment

Through NRE/NRO accounts or remittances

NRI Housing Loan
Flexible Repayment Tenure

Up to 30 years for comfortable EMIs

NRI housing loan promotional banner
₹
₹ 1L ₹ 1Cr
1 Year 30 Years
0.5% 15%
Your Monthly EMI
₹ 20,637
Principal Amount ₹ 10,00,000
Total Interest ₹ 2,38,234
Total Payable ₹ 12,38,234
Apply Now Know More
NRI Housing Loan
Repayment period to align with and extend up to the tenure of the underlying Home Loan account.
NRI Housing Loan
Up to two Home Equity Loans may be availed simultaneously
NRI Housing Loan
No prepayment or pre-closure charges
NRI Housing Loan
EMI for each loan shall be fixed separately and shall not be clubbed. The EMI of the original Housing Loan should not fall below the originally committed instalment amount.
NRI Housing Loan
LTV ratio shall be maintained as per the stipulated norms for the existing Housing Loan and the proposed Top-Up Loan.
NRI housing loan promotional banner
₹
₹ 1L ₹ 1Cr
1 Year 30 Years
0.5% 15%
Your Monthly EMI
₹ 20,637
Principal Amount ₹ 10,00,000
Total Interest ₹ 2,38,234
Total Payable ₹ 12,38,234
Apply Now Know More
NRI Housing Loan
20% Higher Loan Eligibility

(age limit 21-45 years)

NRI Housing Loan
36 Months Holiday Period
NRI Housing Loan
Minimum Gross Income

should be Rs. 10,00,000/-

NRI housing loan promotional banner
₹
₹ 1L ₹ 1Cr
1 Year 30 Years
0.5% 15%
Your Monthly EMI
₹ 20,637
Principal Amount ₹ 10,00,000
Total Interest ₹ 2,38,234
Total Payable ₹ 12,38,234
Apply Now Know More
NRI Housing Loan
Govt plots, approved layouts, RERA projects, reputed builders.
NRI Housing Loan
High loan eligibility:

Up to Rs 3 crore (Urban/Metro)

NRI Housing Loan
Margin:

25% own contribution required

NRI Housing Loan
Repayment and Tenure:

Repayment period up to 15 years and

No moratorium (EMI starts immediately)

NRI Housing Loan
Must construct house within 5 years

If not built → higher commercial interest rate will apply

NRI Housing Loan
Starting from 9.5%

(depending on credit score)

NRI Housing Loan
Can later take housing loan from bank
NRI Housing Loan
Existing plot loan will be adjusted
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