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Joel Shifflet - About Author:
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Home > Home SecurityMyths about NRI home loans.

Posted by anuragmishra in Home on May 29th, 2017

There are a number of Indians who have settled abroad for better career opportunities. For them Jakub Voracek Womens Jersey , a property back home usually gives a sense of attachment and security, which is a prime reason for investment in real estate here by NRIs.

But there are many misconceptions associated with borrowing in India for this purpose. Letís address the more common misconceptions you might have.

Power of Attorney only to blood relatives: Though certain banks like ICICI Bank or Axis Bank insist that power of attorney should only be given to blood relatives in India, there are lenders such as HDFC and Standard Chartered Bank where this is not a policy.

In other words Shayne Gostisbehere Womens Jersey , NRIs can give the general power to any person, whom they trust, including friends and associates.

Also Claude Giroux Womens Jersey , there are certain banks like HSBC and Citibank that have developed mechanisms where the NRI does not need to give the Power of Attorney to a resident of India in order to take a loan, making it more convenient. Of course, they have other requirements Nolan Patrick Womens Jersey , including a blood relative as a local co-applicant for the loan.

No joint loans with resident Indians: An NRI and a resident Indian can jointly apply for a loan, but this would be still be considered an NRI home loans. Even if the asset is jointly owned, the NRI would be regarded as the principal applicant and his income would be primarily considered while determining loan eligibility.

The EMI payments will also be made by the NRI Wayne Simmonds Womens Jersey , which he could either do through his non-resident external (NRE) account or by opening a non-resident ordinary (NR. Cheap Air Max Dusty Cactus Cheap Air Max Cheap Asics White Shoes Asics Gel Nimbus Shoes Clearance Cheap Asics Shoes Online Cheap Asics Running Shoes Cheap Asics Kids Shoes Cheap Womens Puma Sneakers Cheap Puma Suede Black Cheap Mens Puma Slippers