Home Loan Eligibility for NRIs in 2026 — Everything to Know
How much loan can you actually get in India, what banks look for, and how to structure your EMI in a foreign currency salary.
Indian banks fund up to 80% of the property value for NRIs (75% at some banks for high-value units above ₹5 Cr). Eligibility is driven by three levers: age of youngest applicant at loan maturity (max 60-65 for salaried), stability of employment abroad (minimum 2 years usually), and net take-home in INR-equivalent after existing EMIs. HDFC, ICICI, SBI, Axis, LIC HFL and Kotak all have specialised NRI desks.
Rules of thumb: your total EMIs (India + abroad) should not exceed 55-60% of your gross monthly income. Tenure is capped at 30 years or retirement, whichever is earlier. Rate premium over resident loans is typically 15-40 bps.