SBI Global Home Loan 2025: Apply from India & Abroad
SBI Global Home Loan 2025 is a trusted financing solution for Indians living abroad (NRIs) and expats who wish to buy property in India or overseas. With competitive interest rates, wide global reach, and simplified online applications, State Bank of India (SBI) remains a leader in housing finance for domestic and international clients.
Why Choose SBI Global Home Loan?
SBI offers a variety of home loan schemes customized for both residents and non-residents:
- Competitive interest rates with floating & fixed-rate options.
- Loans available for purchase, construction, renovation, or property abroad.
- Global presence with branches in the US, UK, Canada, UAE, and Singapore.
- Transparent processing fees and no hidden charges.
Eligibility for SBI Global Home Loan
- Applicant must be between 21 and 65 years old.
- Minimum income: ₹25,000/month in India or equivalent in foreign currency.
- NRIs must provide overseas bank statements and employment contracts.
- Valid passport, visa, or residence permit is mandatory for expats.
- Property must have clear legal ownership documentation.
Top SBI Global Home Loan Schemes 2025
1. SBI Regular Home Loan
Low interest for salaried and self-employed.
Eligibility: Indian residents & NRIs.
2. SBI Flexipay Loan
Pay interest first, EMI increases gradually.
Eligibility: Young professionals in India & abroad.
3. SBI NRI Home Loan
Designed for Indians working abroad.
Eligibility: NRIs with valid work contracts.
4. SBI MaxGain Loan
Overdraft-linked mortgage loan.
Eligibility: Salaried & expats with global income.
5. SBI Realty Loan
Finance for purchasing land & construction.
Eligibility: Indians & NRIs.
6. SBI Home Top-Up Loan
Extra funds on existing home loan.
Eligibility: Current SBI borrowers.
7. SBI Privilege Home Loan
Special offers for government employees.
Eligibility: Central/State Govt. employees.
8. SBI Shaurya Loan
Defense personnel home financing.
Eligibility: Armed forces officers & staff.
9. SBI Green Home Loan
Eco-friendly housing loan.
Eligibility: Buyers of certified green projects.
10. SBI Global Property Loan
For Indians abroad investing in property.
Eligibility: NRIs & global Indian investors.
Benefits of SBI Global Home Loan
- Loan tenure up to 30 years.
- Attractive EMI and repayment options.
- Digital application with document upload.
- International processing for NRIs & expats.
- Top-up facility for renovations or investments.
How to Apply for SBI Global Home Loan?
- Check your eligibility using SBI’s online loan calculator.
- Choose the loan scheme suitable for your needs.
- Gather documents – ID proof, income proof, bank statements.
- Submit application online or via nearest SBI branch abroad.
- Property valuation, verification & approval.
- Loan sanction & disbursement to property seller.
Frequently Asked Questions (FAQs)
Q1. Can NRIs apply for SBI Global Home Loan online?
Yes, NRIs can apply through SBI’s official portal or nearest overseas branch.
Q2. What is the minimum down payment required?
Usually 20–25% of property cost depending on the scheme.
Q3. Can I use foreign income for eligibility?
Yes, SBI accepts global income proof such as overseas salary slips & bank statements.
Q4. What is the maximum tenure available?
Up to 30 years with flexible repayment options.
Q5. Is there a tax benefit on SBI Global Home Loans?
Yes, eligible applicants can claim tax benefits under the Income Tax Act in India.