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	07-19-13 6:43pm SUBJ1
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The NRI can avail a loan of up to 75% of the cost of the land, or a maximum of 85% of the cost of the property or 85% of the cost of construction of the house albeit at a different tenure from the Resident Indians. â€¢ The rate of interest offered for the NRI can be 25-50 basis points higher than those offered to resident Indians generally to cover the higher risk involved. â€¢ While an Indian resident can avail loans with a maximum tenor of 30 years with some banks the tenor for the NRIâ€™s is restricted to about 5-15 years. Their tenor is generally lesser as they are seen to be capable of repayment much faster than a normal resident Indian. â€¢ The repayment of Monthly Equated Installments (EMI) can only be payed through NRE/NRO Account with remittances from abroad. The repayment needs to be done in Indian Rupees. â€¢ The down payment is made through normal banking channels or through NRE/NRO Accounts in India. â€¢ The loan is taken against property and if it is not repaid the bank can seize the property. This keeps bad loans with regard to NRIâ€™s low. The person could disappear but since the property is in India the bank can seize it. â€¢ Always check to see if the bank charges a prepayment penalty or not. Some banks charge 2 % on the outstanding amount and whatever has been prepaid in the last 12 months for loans taken on fixed rates. â€¢ You donâ€™t have to wait for the next trip to India. Most of the banks have branches in Dubai, Singapore and London where you can apply for home loans. Certain major banks also have an online submission facility. List Of Documents Required In Order To Procure A Home Loan For A Salaried NRI: â€¢ Copy of a valid passport with a stamped visa. â€¢ A valid work permit for the country he works in. â€¢ Overseas bank account for the last 3 months showing the salary credited. â€¢ The salary certificates and the wage slips. â€¢ Salary certificate attested by the embassy if the salary is not credited to a bank. â€¢ Statements of NRO/NRE accounts are usually required List Of Documents Required In Order To Procure A Home Loan For A Self Employed NRI: â€¢ Copy of a valid passport with a stamped visa. â€¢ The business license or an equivalent document. â€¢ Overseas bank account statements for the last 6 months of the NRE/NRO Account. â€¢ Profit and Loss Account and the Balance Sheet for the last 3 years approved by a chartered accountant. â€¢ Local address proof and the power of attorney to someone in India. Other Documents Necessary In Order To Procure The Home Loan By The NRI: â€¢ Original title deeds tracing the property for the last thirteen years. â€¢ Agreement of sale/construction â€¢ Encumbrance certificate for the last 13 years. â€¢ Receipts for payments made for the purchase of the dwelling units. â€¢ Allotment letter from the cooperative society â€¢ Latest tax paid receipt. Loan Repayment Options Available For An NRI: â€¢ Step Up Repayment Facility : In this option an NRI borrower can apply for a higher quantum of loan. The repayment rates are adjusted such that the EMI rates are lesser in the initial years and are gradually stepped up with time. â€¢ Tranche Based EMI: It is a special facility offered to NRIâ€™s when they purchase an under construction property .They need to pay interest till the property is ready. Here the NRI can fix the installments they wish to pay till the property is ready. The minimum amount payable is the interest on the loan amounts drawn. 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