Home Loan Documents for NRI, OCI, PIO, and Merchant Navy
togetherness is peace
NRI Home Loan Documents in India
- 1 Photo
- PAN card
- Aadhar card
- Passport and valid visa
- Indian and overseas address proof
- Work permit
- Identity / Labour card in the country of employment
- Last 3 months’ salary slip
- Photocopy of the employment contract (require English translation if the contract is in another language)
- 6 or 12 months’ salary account and NRE/NRO account statement
- Loan account statement/s for all running loans (If any)
- Latest credit bureau report (If you work in a country where credit bureaus exist. e.g. the USA, UK, etc.)
- Power Of Attorney on banks’ format attached by Notary / Indian Embassy, Trade commissioner
- KYC documents for your power of attorney
- Login cheque
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OCI / PIO Documents for Home Loan in India
- 1 Photo
- Passport and overseas address proof
- PIO / OCI card issued by Indian Embassy
- Last 3 months’ salary slip
- Photocopy of the employment contract letter(require English translation if the contract is in another language)
- 6 months’ salary account statement
- Loan account statement/s for all running loans (If any)
- Latest credit bureau report in country of employment country
- Power Of Attorney on banks’ format attached by Notary / Indian Embassy, Trade commissioner
- KYC documents for your power of attorney
- Login cheque
Merchant Navy / Seafarer Home Loan Documents in India
- 1 Photo
- PAN card
- Aadhar card
- Passport and valid visa
- Last 3 months’ salary slip
- Photocopy of the employment contract (require English translation if the contract is in another language)
- Continuous Discharge Certificate (CDC) for the last 3 years
- 6 or 12 months’ salary account statement
- Loan account statement/s for all running loans (If any)
- Power Of Attorney on banks’ format attached by Notary / Indian Embassy, Trade commissioner
- KYC documents for your power of attorney
- Login cheque
Property Documents
- Legal chain of property (minimum 13 years)
- Sanction map and complition certificate (If available)
- Latest house tax receipt (if available)
- Agreement to sell for resale home loan (if executed)
- For balance transfer: LOD letter from your existing financial institution. It is a list of property documents kept by them.
- For construction loan: map and estimate of construction. (you can provide after login of the application)
Our Customers Says
Santosh Kumar
I got my home loan from a Private NBFC at very high rate 16%, however as I discussed it with Joy Loan, they helped me to get balance transfer to Gov NBFC and now it is at 7.8%. Really professional and good firm to get home loan and Balance Transfer.
Naresh Drall
, Dwarka Motors,
Since many months I was trying for my home loan transfer. They did it only in few days. thank you ravinder bhutani ji for your personal attention.
Avdesh Adhana
No Bank was giving construction loan to me due to rural property in my village. He helped me in getting a construction loan.
Very Honest and Professional deal.
Thanks, Ravinder Ji for the Support!
Ombir Singh
Joy Loan helped me for a plot and construction loan in Bhondsi, Gurugram. I am happy with their work.
I also referred few contacts to them.
Dr. Dipin Thakur
,
I got my loan sanctioned within 2 weeks for a house that is on unapproved property. Thank you joy loan and thank you, Mr. Bhutani.
lovely home loan at destination peace