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Types of Loans

Home Loans

Loan Against Property

Balance Transfer for NRIs

Home Loan Top Up

Commercial Property Purchase Loan

Home Improvement Loan

About NRI Mortgage Loans

Online Loan Application

Apply for your NRI Home Loan online through ICICI Bank's Express Home Loan platform, from anywhere globally, without the need to visit India.

Power of Attorney Facility

Loan disbursement can be completed through a POA holder in India, offering seamless access to funds for NRIs and OCIs.

Flexible Loan Options

Choose from a wide range of loan products like property purchase, construction, top-up, or balance transfer based on your needs.

Eligibility and Coverage

Available for salaried NRI/OCI customers residing in any country*

*not applicable for sanctioned and FATF-listed nations.

Balance Transfer for NRIs

Easily transfer your Home Loan, Loan Against Property, Commercial Property Loan or Home Improvement Loan to ICICI Bank from Scheduled Commercial Banks, Private/Foreign Banks or NHB-registered HFCs. Enjoy attractive interest rates as well as long tenure and maximise your savings.

FAQs 

Can NRI/OCI customer apply for a Home Loan in India?

Yes, NRI/OCI customer can apply for a Home Loan in India.

What is the maximum loan amount for an NRI Home Loan?

There is no capping to the loan amount which can be availed by NRI. Loan amount depends on eligibility.

Can a Resident Indian (RI) or another NRI be a co-applicant for an NRI Mortgage Loan?

Yes, both NRIs and Resident Indians can be co-applicants.

Is an Aadhaar Card mandatory for an NRI/OCI customer?

No, an Aadhaar Card is not mandatory. however it can be used as address proof if available.

Is an NRE/NRO Account mandatory to apply for a Mortgage Loan?

No, but an active NRE/NRO Account is required at the time of loan disbursement.

How do I calculate my eligibility for a Home Loan as an NRI/OCI customer?

You can use the Eligibility Calculator for precise information.

Can an NRI/OCI customer from the USA apply for a Home Loan in India?

Yes, an NRI/OCI customer from the USA can apply for a Home Loan in India.

What is the difference between applying for a Mortgage Loan online vs offline for NRI/OCI customers? 

Offline: You need to be in India and submit physical documents like self-attested application form, KYC and income proof

Online: Upload scanned copies through ICICI Bank Express Home Loan (EHL) platform. Salaried NRI/OCI customers can apply as a ‘New to Bank' customer or an ‘Existing customer’. Click here to start your Mortgage Loan application.

Can a Person of Indian Origin (PIO) apply for a Home Loan?

Yes, a PIO is eligible to apply for a Home Loan in India.

How can an NRI/OCI customer apply for a Mortgage Loan?

You can apply online through our Express Home Loan platform. Click here to start the application process. Our team will get in touch with you for further processing.

VIEW ALL FAQs

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