Dewan Housing Finance Corp.: NRI Home Loans..!


NRI Home Loans from DHFL :

No matter where you go, India will always be home.

At DHFL understand this. This is why we bring NRIs the opportunity of owning their dream home in India.

Being based out of India, buying a home in India can be quite a challenge -  starting from searching and identifying the property you desire, ensuring builder credibility, legal processes, property documents and more.

But with DHFL, it need not be so.

DHFL NRI Home Loans present you with the most practical & simplified home loan solutions you need.

DHFL handhold you through all aspects of property purchase - from property search, legal and technical issues, to documentation and more – for a range of requirements.

NRI Home loans : Own a property in India

NRI Home Loans can be availed for:


1. To purchase a new home
2. To purchase a ready built house on resale
3. To construct your own house
4. To extend your house
5. To renovate your house
6. To purchase a plot of land in your preferred city or town
7. To purchase a plot of land in your preferred city or town and construct your house on

NRI Home Loan : Eligibility..!

At DHFL, understand every customer is unique with needs that are different. Hence  they have Housing loans starting from Rs.  5 lac  to  a maximum of 85 % of the agreement value or  / total cost (including stamp duty and registration charges)  of the  flat / house or / plot of land that you wish to construct or / purchase. 

However, the actual Housing Loan amount that that you are eligible for is determined by taking into account various factors such as:

Repayment capacity :
Age:
Educational qualifications :
Stability and continuity of income :
Number of dependents :
Co-applicant’s income :
Assets and liabilities, saving habits:

Maximum Tenure of  NRI Home Loan: Up to 15 years..!

Living outside our Home country is not always easy.  DHFL deeply value of your hard earned money. That is why We have a tenure of 15 years, so that EMI is lowered without affecting your Lifestyle and your dreams of owning a property in India

NRI Home Loan Interest Rate:

DHFL offers one of the most competitive rates in the market. The Interest rate applicable is based on the DHFL’s Retail Prime Lending Rate (RPLR) which fluctuates from time to time based on the money market conditions.

NRI Home Loan Processing Fees:

This is charged as the fee towards processing your home loan application. In case of salaried individuals (SAL) it is 1 % of the loan amount, plus Service Tax & Cess as applicable.

Easy Repayments on NRI Home loans:

You have two options for repayment of the loan based on the EMIs payable:

1) Through ECS (Electronic Clearing Service) based on standing instructions to your bank

2) PDCs (Post Dated Cheques) drawn on your Savings / Salary account

Legal & Technical Scrutiny..!

For easy and hassle free processing of your housing loan, DHFL has in house legal and technical team , so your Home Approval process become fast & secure.

DHFL does Studying title deed, link documents and Encumbrance certificate (EC)
Scrutinizing EC to ensure all title / link documents pertaining to the property are obtained
Verifying documents to check that chain of seller (s) and buyer (s) is properly maintained
Scrutinizing title / link documents to ensure that buyer has absolute & marketable title
Ensuring that plot does not fall in areas adversely notified by Government and also that the property is not situated in lands notified as Government lands

If the property is situated in recently developed, areas appropriate lay out approvals by necessary authorities are provided.

Whether actual construction is done according to the approved plan etc..

Tax Benefits: On  Home Loan

As per Indian Income Tax Rules, the current applicable exemption u/s 24 is Rs. 1.5 lacs for the interest amount paid in a financial year and up to Rs. 1 lac for the Principal amount repaid in the same year. This tax benefit is applicable only if the applicant files Income Tax Returns in India.

So do not just dream about a home in India, buy it. Fill in the Enquiry Form alongside . DHFL Representative will get in touch with you to help you through the entire loan process.

 For NRI Home loans in Middle East :

All NRI’s in middle East, can avail NRI Home loans from  Dubai Branch ,

visit  http://dubai.dhfl.com  for more details.

For NRI’s in UK and Europe & US

All NRI’s in Europe, USA , UK  can avail NRI Home loans from London Office , call  at + 44 20  8579 1711 or mail us at london@dhfl.com
please visit  www.dhfluk.com for more details


Dewan Housing Finance
Corporation Limited - DHFL -  Customer Care
HDIL towers, Ground Floor,
Anant Kanekar Marg, Bandra East, Mumbai -400051
E-mail: response@dhfl.com
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