NRI Home Loan Calculator
Convert your foreign income to INR, check home loan eligibility, and see your Pune property budget — with EMI shown in your local currency.
Your Income Details
NRI lenders typically allow 50–55% FOIR. Higher income may qualify for 60%.
NRI rates are typically 0.25–0.5% higher than resident rates.
Max tenure for NRIs is typically 25 years; some lenders cap at 20.
Enter your foreign income to calculate NRI home loan eligibility and Pune property budget.
NRI Loan Eligibility
Eligible Loan (INR)
Property Budget (at 80% LTV)
Monthly EMI (INR)
EMI in Foreign Currency
Income & Eligibility Breakdown
NRI Loan Key Rules (FEMA)
- Loan amount capped at 80% of property value (LTV)
- EMI must be serviced from NRE/FCNR account or inward remittance
- Principal repayment repatriable up to original foreign remittance amount
- OCI/NRIs can buy residential and commercial property freely
- Agricultural land, farmhouse, plantation property — not allowed without RBI approval
NRI buying in Pune?
We handle NRI property purchase end-to-end — from shortlisting to registration via PoA.
NRI Property Buying — Quick Guide
Documents Required
- › Valid Indian Passport / OCI Card
- › Work visa / residence permit
- › Last 3 months salary slips
- › Last 2 years ITR (foreign country)
- › NRE/NRO bank statements (6 months)
- › Power of Attorney (if not present in India)
Recommended Banks for NRI Loans
- › SBI (highest NRI loan volumes)
- › HDFC Bank (wide NRI desk network)
- › ICICI Bank (global branches)
- › Axis Bank (NRI Banking unit)
- › Bank of Baroda (NRI services)
- › LIC Housing Finance