NRI Home Loan for USA Residents
Built around how you actually document income in the US
W-2 & tax returns accepted
Your standard US income documentation works as-is
H1B, L1, OPT & more
Visa type doesn't block eligibility — income stability does
Remote Power of Attorney
Notarized and attested via the Indian Consulate — no flight required
US time-zone support
Advisors available in your working hours, not just IST
A note on visa status
Your visa type (H1B, L1, F-1/OPT, green card, or citizenship) doesn't itself determine NRI eligibility under FEMA — what matters is the purpose and duration of your stay abroad, and whether you can demonstrate stable income. H1B and L1 holders with steady employment generally have no issue qualifying. OPT status is trickier, since OPT income is often limited and time-bound — a co-applicant with stronger income is usually the practical path.
See our full FAQ for more on F-1, OPT, and student-visa scenarios.
Who can apply, from the USA
| Criteria | Typical Requirement |
|---|---|
| Status | NRI, PIO, or OCI cardholder residing in the USA |
| Age | 21–60 years at application, subject to age at loan maturity |
| Minimum income | Approx. USD 1,500–3,500/month, varies by lender |
| Employment | Salaried (1-3 years current employment) or self-employed with US business registration |
| 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 the USA
Share your details
Income, employer, visa type, and property information.
We match lenders
Matched against our panel, factoring in your specific income and visa profile.
Remote documentation
Digital KYC, with Power of Attorney notarized and attested through the Indian Consulate in the US.
Disbursal
Single payout for purchase, or milestone-linked for under-construction property.
What you'll need, from the USA
US Residency & Identity
- Passport with valid US visa or green card
- I-94 arrival/departure record
- PAN card (or Form 60)
- US address proof (utility bill or lease agreement)
Income & Employment
- Last 2 years' W-2 forms
- Last 2 years' US federal tax returns (Form 1040)
- Recent pay stubs and employment verification letter
- US 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 Consulate/Embassy in the US
- Co-applicant's documents, if applicable
NRI home loan pages for specific places in USA
Beyond a purchase loan
Questions US-based NRIs ask us
Talk to an advisor who understands US-based NRIs
Free eligibility check. No obligation. Response within one business day, US time.
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