Can NRIs get a home loan in Kerala?

Yes. NRIs can avail home loans in Kerala from leading banks and NBFCs for purchase, construction, or renovation of residential property. Loan amounts up to ₹10 crore are available at interest rates starting from 6.75% per annum. Repayment is made via NRE or NRO accounts.

What is the maximum NRI home loan amount in Kerala in 2026?

NRIs can avail home loans up to ₹10 crore in Kerala in 2026, subject to income eligibility, property value, and lender policies. Leading banks including SBI, HDFC, ICICI, and Axis Bank offer NRI home loans with competitive rates.

What documents are required for an NRI home loan in Kerala?

Key documents include: valid passport and visa, overseas employment contract or salary slips, NRE/NRO bank statements (6 months), property documents, Power of Attorney (if not present in India), and PAN card. Requirements may vary by lender.

What is the interest rate for NRI home loans in Kerala in 2026?

NRI home loan interest rates in Kerala start from 6.75% per annum in 2026. Rates vary by lender, loan amount, tenure, and applicant profile. Blueberry FM helps NRIs compare rates across 15+ banks and NBFCs.

Can NRIs repay a home loan from their UAE or Gulf salary?

Yes. NRIs can repay home loans in India through direct remittance from abroad or via their NRE or NRO accounts in India. EMI deductions can be set up automatically from NRE accounts, which are fully repatriable.

Does Blueberry FM provide NRI home loans in Kerala?

Blueberry FM is an NRI financial advisory and facilitation service based in Kerala. We help NRIs compare lenders, prepare documentation, and navigate the home loan process. All loans are subject to lender approval. Contact us for a free consultation.