🇳🇱 For NRIs based in the Netherlands · Jaaropgave accepted · Remote process
NRI Home Loan for Netherlands Residents
Can an NRI in the Netherlands get a home loan in India? Yes — for property you want to buy, one that's under construction, or to refinance an existing loan, processed remotely from the Netherlands with digital KYC and Power of Attorney support, across 24+ banks and NBFCs.
WHY NETHERLANDS-BASED NRIS COME TO US
Built around how you actually document income in the Netherlands
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Jaaropgave accepted
Your annual income statement works as standard proof
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Highly Skilled Migrant & more
Visa type doesn't block eligibility — income stability does
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Remote Power of Attorney
Notarized and attested via the Indian Embassy — no flight required
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Netherlands time-zone support
Advisors available in your working hours, not just IST
~EUR 3,200–3,300
Typical minimum monthly income equivalent — most Indian lenders group the Netherlands with the USA and other non-Gulf countries under one income bracket (commonly USD 3,500/month equivalent), rather than publishing a distinct Netherlands-specific figure.
ELIGIBILITY
Who can apply, from the Netherlands
| Criteria | Typical Requirement |
|---|---|
| Status | NRI, PIO, or OCI cardholder residing in the Netherlands |
| Age | 21–60 years at application, subject to age at loan maturity |
| Minimum income | ~EUR 3,200–3,300/month equivalent, varies by lender |
| Employment | Salaried (1-2 years current employment) or self-employed with KvK registration |
| Co-applicant | Often preferred — commonly an Indian resident relative |
| Repayment account | NRE, NRO, or FCNR account in your name |
RATES
Compare rates across our panel
PROCESS
How it works, from the Netherlands
01
Share your details
Income, employer, residence permit status, and property information.
02
We match lenders
Matched against our panel, factoring in your specific income and employer profile.
03
Remote documentation
Digital KYC, with Power of Attorney notarized and attested through the Indian Embassy in the Netherlands.
04
Disbursal
Single payout for purchase, or milestone-linked for under-construction property.
DOCUMENTS
What you'll need, from the Netherlands
Netherlands Residency & Identity
- Passport with valid verblijfsvergunning (residence permit)
- PAN card (or Form 60)
- Netherlands address proof
Income & Employment
- Jaaropgave (annual income statement)
- Recent payslips (last 3-6 months)
- Employment contract
- Netherlands bank statements (last 6 months)
Property
- Sale agreement or builder-buyer agreement
- Property title documents
- RERA registration, for under-construction property
Authorization
- Power of Attorney, notarized and attested via the Indian Embassy in the Netherlands
- Co-applicant's documents, if applicable
EXPLORE BY PRODUCT
Beyond a purchase loan
FAQ
Questions Netherlands-based NRIs ask us
Can I get a home loan without visiting India? +
Yes. Most lenders accept a notarized Power of Attorney (attested via the Indian Embassy in the Netherlands) along with digital or video KYC, so the process can be completed remotely, with physical presence typically needed only at final registration in some cases.
What's the minimum income required from the Netherlands? +
Most Indian lenders group the Netherlands with the USA and other non-Gulf countries under one income bracket, commonly around USD 3,500/month equivalent — roughly EUR 3,200-3,300/month at typical exchange rates, though this varies by lender and loan amount.
Can I use my Jaaropgave as income proof? +
Yes. Your Jaaropgave (annual income statement from your employer), along with your BSN-linked payslips and bank statements, are standard, widely-accepted income proof for NRI home loan applications from the Netherlands.
Talk to an advisor who understands Netherlands-based NRIs
Free eligibility check. No obligation. Response within one business day, Netherlands time.