NRI Home Loan for Nigeria Residents
Built around how you actually document income in Nigeria
BVN-linked accounts accepted
Your Bank Verification Number-linked statements work as proof
Any visa category
Visa type doesn't block eligibility — income stability does
Remote Power of Attorney
Notarized and attested via the Indian High Commission — no flight required
Nigeria time-zone support
Advisors available in your working hours, not just IST
💡 Given significant Naira exchange rate volatility, we don't quote a fixed local-currency income threshold here — the USD 3,500/month equivalent bracket applies, but your advisor will confirm the current figure with the lender at the time of your application rather than relying on a number that may already be outdated.
Who can apply, from Nigeria
| Criteria | Typical Requirement |
|---|---|
| Status | NRI, PIO, or OCI cardholder residing in Nigeria |
| Age | 21–60 years at application, subject to age at loan maturity |
| Minimum income | ~USD 3,500/month equivalent, confirmed at current exchange rates with your advisor |
| Employment | Salaried (1-2 years current employment) or self-employed with registered business |
| Co-applicant | Often preferred — commonly an Indian resident relative |
| Repayment account | NRE, NRO, or FCNR account in your name |
Compare rates across our panel
How it works, from Nigeria
Share your details
Income, employer, visa status, and property information.
We match lenders
Matched against our panel, factoring in your specific income and employer profile.
Remote documentation
Digital KYC, with Power of Attorney notarized and attested through the Indian High Commission in Nigeria.
Disbursal
Single payout for purchase, or milestone-linked for under-construction property.
What you'll need, from Nigeria
Nigeria Residency & Identity
- Passport with valid Nigerian visa/work permit
- PAN card (or Form 60)
- Nigeria address proof
Income & Employment
- BVN (Bank Verification Number)-linked bank statements
- Recent payslips (last 3-6 months)
- Employment letter
- Nigeria 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 High Commission in Nigeria
- Co-applicant's documents, if applicable
Beyond a purchase loan
Questions Nigeria-based NRIs ask us
Talk to an advisor who understands Nigeria-based NRIs
Free eligibility check. No obligation. Response within one business day, Nigeria time.