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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