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Home Loan Support

Disha Direct Real Estate Marketing Services Pvt. Ltd. offers various services for getting funding, including:
• Coordination with Banks / Housing Finance Institutions
• Complete Documentation
• Advice on Tax Implications
• Choosing Best Options available
• Assistance to collect the Title Documents back from the    Bank

NRIs can avail of financing assistance in the form of housing loans, for purchasing residential properties in India. These loans are available through leading financial institutions like ICICI, HDFC, Citibank, and LIC Housing

  • The applicant must be an Indian passport holder.
  • Loan amounts are available up to 85% of the cost of the property, whichever is lesser. processing and administrative charges extra.
  • Loan eligibility is decided by the repayment capacity of the individual. Repayment capacity takes into consideration income, age, qualification, number of dependents, other income, amounts and a few other items.
  • Between 5 and 10 years, rates of interest vary from 7.75% to 9%.
  • Repayment period ranges from 5 to 20 years or on superannuation or on completing 60 years of age.
  • The loan is repaid in the form of Equated Monthly Installments (EMIs).
  • The security for the loan would be the equitable mortgage of the property financed. This is created by the deposit of the original title deeds of the property with the HFI.
  • Local guarantors will also be required in the case of a few institutions.
Copies of the following documents have to be submitted along with the application for the loan to the institution.
  • Employment contract
  • Latest salary slip
  • Latest work permit
  • Visa stamped on the passport
  • Power of Attorney to a local individual
  • Receipt of payments made for purchase of the property
  • Agreement of Sale
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