HDFC NRI Home Loan 2025: Buy Property in India & Overseas
HDFC NRI Home Loan 2025 provides Indian expatriates and international residents the flexibility to finance their dream property in India or abroad. With competitive interest rates, easy online processing, and dedicated NRI support desks, HDFC ensures that buying real estate globally becomes stress-free.
Why Choose HDFC NRI Home Loan?
- Attractive interest rates starting at 8.10% per annum.
- Available for buying property in India or approved foreign countries.
- Dedicated NRI branches in USA, UK, UAE, and Singapore.
- Loan amounts up to ₹10 crores or equivalent in foreign currency.
- Flexible repayment options with tenure up to 30 years.
Top 10 HDFC NRI Home Loan Schemes 2025
1. HDFC NRI Standard Home Loan
For purchasing apartments or houses in India.
Eligibility: NRIs & OCIs.
2. HDFC Global Home Loan
Finance property in select foreign countries.
Eligibility: High-income NRIs.
3. HDFC Affordable Housing Loan
Support for low-income group NRIs.
Eligibility: Salaried abroad.
4. HDFC Balance Transfer Loan
Transfer existing loans at lower rates.
Eligibility: Any NRI borrower.
5. HDFC Premium NRI Loan
For high-value properties and premium buyers.
Eligibility: High-net-worth NRIs.
6. HDFC Green Home Loan
Loans for eco-certified projects.
Eligibility: Global applicants.
7. HDFC Realty Loan
Finance land purchase and construction.
Eligibility: Salaried & businessmen abroad.
8. HDFC Women Advantage Loan
Special discounts for female borrowers.
Eligibility: NRI women buyers.
9. HDFC Joint NRI Loan
Loans for couples abroad.
Eligibility: Spouses with joint income.
10. HDFC Overseas Property Loan
Finance approved overseas real estate.
Eligibility: Expats in US, UK, UAE.
Benefits of HDFC NRI Home Loan
- Digital KYC and online application process.
- Doorstep assistance for document collection abroad.
- Attractive balance transfer options.
- Tax benefits available under Indian laws for NRI buyers.
- Special assistance from HDFC’s International Banking Units.
How to Apply for HDFC NRI Home Loan 2025
- Visit HDFC’s official NRI loan portal.
- Fill in basic details like income, location, and property preference.
- Upload scanned copies of passport, visa, and salary proofs.
- Choose the loan type and submit application.
- Track approval status online or via HDFC mobile app.
Frequently Asked Questions (FAQs)
Q1. Can I buy property abroad with HDFC NRI loan?
Yes, HDFC supports property purchases in select countries with tie-ups.
Q2. What is the minimum income requirement?
Minimum $1000 per month or equivalent foreign income.
Q3. Do I get tax benefits?
Yes, NRIs can avail tax deductions in India.
Q4. Is property insurance mandatory?
Yes, HDFC requires property insurance for NRI loans.
Q5. Can I repay from abroad?
Yes, repayment can be done from NRE/NRO accounts.