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NRI home loan document checklist: United States

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
  • US visa (H-1B, L-1 and so on) with I-797 approval notice, or Green Card, or US passport plus OCI card

Income proof

  • Employment letter
  • Last [3 to 6] months' pay stubs
  • W-2 forms for the last [2] years
  • US federal tax returns (Form 1040) for the last [2] years
  • For self-employed: business registration, Schedule C or business tax returns, and CPA-prepared financials

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

  • Credit report from a US bureau (Experian, Equifax or TransUnion) or a FICO score report
  • 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 US is a party to the Hague Apostille Convention. A POA can typically be notarised and then apostilled by the Secretary of State of the state where it was notarised. Some lenders still prefer attestation at an Indian Consulate (usually through its outsourced service provider). Confirm with the lender.

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.

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