NRI home loan document checklist: United Arab Emirates

Typical documents only. Lenders may ask for more, or for different documents, depending on your profile and their policy. Your advisor will give you the exact list for your chosen lender.

Identity, visa and residency

• Indian passport (all pages with stamps), or foreign passport plus OCI card
• PAN card (or Form 60 if you do not have one, where the lender allows)
• Recent passport-size photographs
• Overseas address proof (utility bill, tenancy agreement or bank statement) and Indian address proof if any
• Valid UAE residence visa (Emirates ID front and back)
• Labour contract or employment contract (MOHRE or free-zone authority)

Income proof

• Salary certificate from employer (on letterhead, stating designation, joining date and salary breakdown)
• Last [3 to 6] months' payslips
• For self-employed: trade licence, memorandum of association, audited financials for [2] years, and company bank statements

Bank statements

• Overseas salary account statements for the last [6] months
• NRE / NRO account statements for the last [6] months
• Statements for any existing loans in India or abroad

Credit report

• Al Etihad Credit Bureau (AECB) credit report, where the lender asks for it
• Indian credit report (CIBIL or similar) is pulled by the lender using your PAN

Property

• Property documents: agreement for sale or allotment letter, title documents, approved plan, RERA registration, payment receipts
• Own contribution proof (remittance advices or NRE/NRO debits)

Co-applicant

• Resident co-applicant (if required): KYC, PAN, income proof and bank statements

Power of attorney: attestation route

The UAE was not listed as a party to the Hague Apostille Convention as at October 2024 [to verify current status]. Have the POA attested by the Consulate General of India in Dubai (through its outsourced centre, IVS Global) or the Embassy of India in Abu Dhabi. KLICK NRI arranges doorstep pickup and attestation in Dubai.

After it reaches India, the POA must be stamped (adjudicated) within three months, and registered if it will be used to register a property transaction. See our guide Power of attorney from abroad.

Tips

• Documents not in English may need a certified translation.
• Some lenders ask for employer letters or bank statements to be attested or stamped by the bank.
• Keep scans of everything; send originals only when the lender asks.

Typical; lenders may ask for more. This is general information, not legal advice.