NRI Mortgage Loan

Home Loan

Getting a Mortgage Loan from ICICI Bank is quick and easy. Variety of products are available depending on your unique needs such as buying a house, building a house, purchasing property in India, etc. Whatever be your unique need, ICICI Bank has a loan product just for you.


Features and Benefits of Home Loan

Loan repayment tenure

Loan repayment tenure of up to 30 years


Doorstep assistance

Doorstep service in India till doorstep


Approved Projects

Choose from project approved for funding


Interest Rate

Option to avail floating or fixed interest rate


Loan Against Property

ICICI Bank Loan Against Property (LAP) can be availed for your business or personal needs. You can mortgage both residential and commercial property and avail loan with lower EMIs and tenure upto 10 years


Prominent features of ICICI Bank Loan Against Property (LAP)


Fund your business needs

Loan amount up to 5 Crores


Loan Tenure

Low EMI with up to 10 year tenure

Transfer your existing loans

All attractive interest rate


Top up Loans

Planning to redecorate your home or thinking of funding your child’s higher education or simply wanting to take that dream vacation, a top-up loan on your existing Home Loan could be the perfect solution.


Our Top-Up loan offers you a host of benefits:

  • Attractive interest rate
  • Low EMI
  • Tenure up to 20 years
  • Simplified documentation
  • Quick Processing


NRI Mortgage Loan Eligibility

Age Minimum: 21 Years
Maximum: 65 Years or retirement age whichever is earlier at the time of maturity of loan.
Eligible profiles Salaried: Minimum 1 year of employment overseas
Self-Employed:Minimum 3 years in current business overseas
Tenure Home Loan: 30 Years
Home Improvement Loan: 15 Years
Land Loan: 20 Years
Minimum Income 42,000 USD
Processing Fee
10,000 INR + AT


Interest rate is linked to Repo Rate and vary on Loan amount, Product Type and Profile.


Documents required for NRI Home Loan

Sr No Document Type

Application form and passport size photographs


Identity Proof


Overseas and Indian address proof


Copy of Valid Passport and Visa Copy


Power of attorney


Salary Slip for 3 months


3 month bank statement


Appointment letter/employment contract


Credit Report


Please note these are basic documents required for Sanction. Additional documents may be required on case to case basis.


NRI Home loans are not a product or service of ICICI Bank Limited, New York Branch. The products and services are not subject to U.S. laws and are not eligible for or covered by deposit insurance of the Federal Deposit Insurance Corporation ("FDIC"). ICICI Bank Limited ("ICICI Bank"), is incorporated in India and regulated by the Reserve Bank of India ("RBI") and maintains its corporate office in Mumbai, India. The products and services provided by ICICI Bank Limited are subject to product/service specific terms & conditions. The products and services are also subject to RBI rules/regulations, prevailing foreign exchange regulations & other applicable Laws. 
ICICI Bank NRI Home loan is a product of ICICI Bank offered under applicable terms and conditions for property purchases in India. Please familiarize yourself with the terms and conditions applicable, available at ICICI Bank New York Branch does not process, approve and disburse any loan
ICICI Bank reserves the right to modify/change all or any of the Terms and Conditions governing the products and services. ICICI Bank also reserves the right to discontinue the products and services without assigning any reasons whatsoever. Any references to timelines or service levels are only indicative and should not be construed to refer to any commitment by us or any other service provider.