Ezmyloans || Loans

NRI Loan Against Property

Any NRI applicant who has a valid Indian passport and a regular source of income as a salaried or self-employed person with at least two years of working experience and an idle property can apply for an NRI Loan Against Property.

Low Initial Payment

Enticing EMI

Instant Acceptance

No guarantor

Used Vehicle Loans

Refinance Existing Loans

Eligibility Criteria

In general, NRI Loan Against Property Eligibility Criteria are determined by a variety of elements such as the individual's age, monthly pay or company revenue, total work experience, and CIBIL Score, among others.

Salaried Individuals

Must be between the ages of 33 and 58
Should work for a public, private, or multinational corporation
CIBIL score should be greater than 750
Nationality: Indian resident

Self-Employed Individuals

Must be between the ages of 25 and 70
CIBIL score should be greater than 750
Three to five years of business experience is required
Nationality: Indian resident

Documents Required

Individual

Two Photographs
Pan Card Copy
Aadhar Card + Passport
Address Proof If Rented Also Required Permanent Address Proof
Last 3 Years Form-16, ITR With Computation Of Income If Filed
Last 1 Year Bank Statement - Salary Account
Loan Schedule & Sanction Letter (If Running)
Complete Property Papers With Chain & Map + ATS
Processing Fee Cheque In Favour Of the Bank
Last 3 Months Salary Slip + Appointment Letter

Prop Firm

Photograph Both
Pan Card Clear Copy of Proprietor
Address Proof (Passport, Voter ID Card) of Proprietor
Office Address Proof Latest (Electricity Bill, Telephone Bill)
Firm Registration Certificates & GST Registration Copy
Last 1 Year GST Return Copy
Firm 3 Years ITR Computation, Profit & Loss A/C, Balance Sheet, Tax Audit Report, All Schedules & Annexures
Provisional Financial AY 2023-24
Bank Accounts (Current Account, CC Account, OD Account Last 1 Year Updated)
6 Month Saving Account Statement Updated (Proprietor)
If Running Any Loan – Sanction Letter And Repayment Schedule
Agreement To Sell Copy
Property Papers With Chain Sanction Map

Partnership Firm / LLP

Partnership Deed Copy
GST Certificate
GST Return Last 1 Year
3 Year Company ITR, COI, P/L A/C, Balance Sheet + Audit Report 3CB 3CD, All Annexures, Schedules With CA Certified
Provisional Financial AY 2023-24
3 Year All Partner Individuals ITR + Computation
Firm All A/C Bank Statement 1 Year Updated
All Partner Saving A/C Statement 6 Month
If Running Any Loan – Latest Sanction Letter + Track Records Or Repayment Schedule
Agreement To Sell Copy
Property Papers Complete Chain With Map

PVT LTD

All Director’s Photographs
Clear Pan Card - Company And All Directors
Address Proof – Company And Directors
List Of Directors & Shareholders With CA Certified As On Date
Memorandum Order In Hand And Complete Copy (If Applicable)
GST, Sale, VAT, And SSI Registration Certificate
1 Year GST Returns
All Directors Individuals ITR & Computation Last 3 Years
Last 3 Years Complete Financials With Tax Audit Report And Annexures
Provisional Financial FY Last Year Or Month-Wise Sale Figures (Last 1 Year)
Company All Bank Account Statement 1 Year Updated