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NRI
Introduction

Buying a home is a dream for many individuals. A housing property is not only a high-value asset but also carries invaluable emotional significance and offers monetary assurance. It secures the financial future of you and your loved ones.

ICICI Direct understands what owning a home means to every individual. Every individual should be able to experience the joy and pride of owning a home and hence, home loans are a great way to finance a house purchase.

Applying for a Home Loan is the easiest way to realise your dream of buying a home. You can receive financing at reasonable interest rates and repay it as per your affordability in Equated Monthly Installments (EMI). You can apply for a Loan by visiting the nearest bank branch or online.

Lowest Interest Rates
Lowest Interest Rates
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NRI Home loans for Salaried & Self Employed
NRI Home loans
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Key Features & benefits
Key Features & benefits
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Choice of multiple lenders
multiple lenders
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Dedicated customer service
Dedicated customer service
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Lowest Interest Rates
  • With the choice of multiple lenders, customer would be able to get higher sanction and best rate in the industry.
  • Interest rate as per Cibil Score and sole discretion of lending partner
NRI Home Loans
  • Easy, Hassle free and convenient
  • Flexible Loan Tenure
  • Doorstep Service
  • Attractive Interest Rates
Key Features & Benefits
  • Dedicated Home Loan Expert. Doorstep Service.
  • Choice of multiple lenders
  • Higher Sanction value
  • Higher Approved rate
Choice of Multiple Lenders
  • Dedicated Home Loan Expert.
  • With the choice of 9 lenders, the approval and sanction ratio is high
Dedicated Customer Service
  • Get in touch for your queries and service related complaints
Make your DREAM HOME come true with a dream loan

If you’re looking to buy that house of your choice or wish to build it from the ground up, it’s time to take action now. With a wide range of home loan solutions available to you at attractive interest rates, invest in building a future without restraints. Take advantage of our quick processing, flexible tenures and easy repayment options and select the right loan of your choice.

Home Loan Features

Avail a significant amount

By applying for a Home Loan you avail a significant amount and finance your house purchase easily. The maximum loan amount offered varies for each bank. It is also influenced by your personal profile. Your repayment capacity, credit score, and property value are key deciders in your loan eligibility and its subsequent offering.

Competitive interest rates

You can avail the loan amount at competitive interest rates. This ensures your dream of buying a house, does not lead you to be feeling burdened with high-interest liabilities. The interest rate again varies based on your profile. A solid financial profile and excellent credit score are a must to negotiate for the best interest rates.

Flexible repayment terms

You repay your loan amount in equal monthly instalments which makes it easier for you to plan your finances hassle-free. Choose a suitable tenure considering your affordability.

Quick disbursal

You do not have to wait for several days to be able to start living in your dream home. Once you have completed the application process, met the eligibility criteria, and had your documents verified, your loan request is approved in no time. Furthermore, on approval, the loan amount is disbursed within the shortest possible time frame.

EMI Comparison calculator

Existing Loan
LOAN AMOUNT
INTEREST RATE
LOAN TERM (Years)
Balance Transfer Loan
LOAN AMOUNT
INTEREST RATE
LOAN TERM (Years)
Emi Savings
Total Interest Savings
Total Payment Savings
Existing Loan
Balance Transfer Loan

Documents Required for Home Loan

Home loan documents
Salaried Customers/Businessman/Professionals
  • Application form with photograph
  • Identity and residence proofs
  • Last six months' bank statements
  • Processing fee cheque
Home loan documents
Income Documents
  • Latest Salary Slip
  • Form 16
  • Educational qualification certificates &proof of business
  • Business profile & previous three years’ income tax returns (self and business)
  • Statement of loans availed in previous two years
  • Previous three years' profit/loss and balance sheet
loan balance transfer
HOME LOAN BALANCE TRANSFER

Lower your loan repayments by making the smart choice. Use ICICI Direct to transfer your existing home loan,

top-up loan
TOP-UP LOAN

Customers with an existing home loan, home improvement loan or a home extension loan can apply for a top-up

home improvement loan
HOME IMPROVEMENT LOAN

Loans for enhancing your home in many ways, such as tiling and flooring, internal or external plaster, and painting.

Home Extension loan
HOME EXTENSION LOAN

Loans to extend or add space to your homes, such as constructing additional rooms.

Loan for contruction
LOANS FOR CONSTRUCTION ON LAND

When you own a plot of land, you can build a home that is uniquely yours

Home Loan - Top Up

All customers with an existing Home Loan, Home Improvement Loan or a Home Extension Loan can apply for a Top Up Loan.

You can apply for a Top Up Loan after 12 months of the final disbursement of your existing Home Loan and upon possession/completion of the existing financed property or on the basis of last 12 months track record of the Top Up Loan being refinanced from another institution, subject to possession/completion of the property. The tenure of the loan is also dependent on the customer’s profile, age of customer at maturity of loan, age of property at loan maturity, depending upon the specific repayment scheme as may be opted and any other terms which may be applicable based on prevalent norms.

Features & Benefits
1

Loans for a variety of personal or professional needs (other than for speculative purposes)

2

Loans for a variety of personal or professional needs (other than for speculative purposes)

3

Loans for existing customers as well as new customers availing of our Balance Transfer Facility

4

Loan can be used for many purpose such as Educational Fees, Medical Expenses, Travel, buying dream car, Debt Consolidation etc

LEADING PARTNER

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  • icici-home-finance
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Home Loan FAQs

We will determine your Home Loan Eligibility largely by your income and repayment capacity. Other important factors include your age, qualification, number of dependents, your spouse's income (if any), assets & liabilities, savings history and the stability & continuity of occupation.

EMI refers to the ‘Equated Monthly Installment’ which is the amount you will pay to us on a specific date of each month till the loan is repaid in full. The EMI comprises of the principal and interest components which are structured in a way that in the initial years of your loan, the interest component is much larger than the principal component, while towards the latter half of the loan, the principal component is much larger.

You can apply for a Home Loan at any time once you have decided to purchase or construct a property, even if you have not selected the property or the construction has not commenced.

Yes, you can avail an additional Top Up loan.

Interest rates applicable on Balance Transfer loans do not differ from the interest rates of home loans.

EMI refers to the ‘Equated Monthly Installment’ which is the amount you will pay to us on a specific date of each month till the loan is repaid in full. The EMI comprises of the principal and interest components which are structured in a way that in the initial years of your loan, the interest component is much larger than the principal component, while towards the latter half of the loan, the principal component is much larger.