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NRI LOAN 
   TERMS AND CONDITIONS 
 

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Click ME Free Classifieds ( Buy/Sell)
      APPOINT US TO BUY / SELL
           PROPERTY FOR YOU 

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NRI LOAN AVAIABLE
TERMS AND CONDITIONS 
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Glisters International 
offers you the worlds most complete home loans .ie aproved from authorised banks . The home to be acquired/constructed can be in the name of an NRI or a resident Indian. Alternatively, it can also be in the joint names of an NRI and a resident Indian.
You can get your loan approved even before you have selected your property, based on your income. This approval will help you decide your budget and plan your finance better. However, final disbursal will depend upon the property selected.
Amount and Tenure.
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Age

·         You must be minimum 21 years old.

·         For NRI applicant, maximum age limit is 60 years or retirement age (whichever is earlier) at the time of loan maturity.

Residential status

·         If salaried applicant, you should have been abroad for a minimum period of 1 year.

·         If self-employed applicant, you should have been abroad for a minimum period of 3 years.

Income:

·         * Tenor between 11–15 years, minimum qualification to be Diploma/ Graduate with minimum 3 years of employment abroad or professional qualification with 1 year of employment abroad.

·         Minimum Income Per Annum break up is as follows:

Countries

Term<= 5 years

Term 6&10 years

Self employed

Middle East

36,000 dhms

48,000 dhms

Post Graduate

96,000 dhms

Professional degree

72,000 dhms

USA & Others

30,000 USD

42,000 USD

42,000 USD

For Merchant Navy -

Term<= 5 years

Term 6&10 years

20,000 USD

26,000 USD

For Self Employed -

Term<= 5 years

Term 6&10 years

48,000 dhms for GCC

2,000 USD for USA and others.

 

Processing Charge.
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Processing Fee : 1% of the loan amount*

DOCUMENTS :

Personal details documents

·         1 passport size latest photograph of each applicant (applicant & co-applicant) with signature across

·         Valid passport copies for all the applicants

·         Valid visa copies for all the applicants

·         Cheque / Draft in INR for fees (as per applicable rate) and the date must be in dd/mm/yyyy format*

·         Power of Attorney document as per our format duly signed by all the applicants (POA execution process)

·         Authority letter duly signed by all the applicants as per our specified formatCompany details as per our format

·         Copy of current overseas residential verification proof of all the applicants to the loan. (Driving license or bank statement showing overseas address or latest insurance premium receipt or utility bill)

·         Copy of PAN Card for the Ist applicant OR Form 60 as per our format attached here with

·         Self attested address proof of all applicants

Financial details documents: for salaried individuals

·         Copy of current appointment letter OR Copy of salary certificate clearly mentioning the date of joining, current salary earned and designation held in the company

·         Copy of previous appointment letters

·         Last 3 months salary slip for fixed salary and last 4 months for variable salary

·         Last 6 months bank statements clearly mentioning salary credits in the account

Financial details documents: for self employed individuals

Copy of

·         Incorporation of business

·         Income Proof –

o    Middle East: Last 2 years audited/C.A certified P&L accounts.

o    US & Canada: Last 2 years CPA compiled/reviewed/audited P&L accounts.

o    Others: Last 2 years C.A or equivalent certified/audited P&L accounts.

·         Partnership deed (incase of a partnership firm)

·         MOA & AOA of the company (incase of a private ltd. company)

·         Last 6 months bank statements in the company's name

·         Last 6 months bank statements in individual's name

·         Business profile and office address proof

NRI Personal Guarantor documents

If you have opted for a NRI Personal Guarantor on your loan, arrange to send the following documents

·         Passport & visa copies of the NRI Guarantor

·         Current overseas address verification proof of the NRI Guarantor. (Driving license or bank statement showing overseas address or latest insurance premium receipt or utility bill)

·         Current income documents of guarantor

Note:

Co-applicant's income can be considered for enhancing your loan eligibility or increasing your loan amount. Please ensure that all financial documents of co-applicant(s) are attached with your India Home Loan Application. In case, you have opted to not consider your co-applicant's income for loan eligibility, you may send across the declaration form for your blood relative(s) / spouse coming in as co-applicant(s).

In case there is no co-applicant, an NRI Guarantor is required compulsorily along with his / her identity and address proof.

Applicant/s should sign on passport copy, visa copy, pan card copy, residence verification proofs, income documents, bank statements and all other documents send for processing.

* Please also ensure that you send us the processing fee cheque of 1.103% of the loan amount applied for, from a NRE / NRO account in favour of "ICICI Bank Ltd. AF for HL - A/c of <name of customer>" by courier.

Processing Fees and Admin Fees are for processing of home loan application and are non-refundable

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Ø An Indian passport holder.
Ø At least 21 years of age.
Ø Employed for the last 3 years.
Ø Residing anywhere in the world. However, you should provide a Power of Attorney, as per bank’s format, to an immediate relative who is located where the loan account is to be opened. _____________________

CALL FOR HOME LOAN 09833804005 .


 
 
 
 

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Tele " 9833804005/ 91-22-22624647.

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