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Investment & Financial Planning

NRI Home Loan Vs Normal Home Loan

Sanskriti SaxenaBy Sanskriti Saxena |Last Updated: February 4, 2026
NRI Home Loan Vs Normal Home Loan
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  2. Investment & Financial Planning
  3. NRI Home Loan Vs Normal Home Loan
  4. Reading Time: 7 mins

NRI home loans and resident home loans differ primarily in factors such as interest rates, tenure, and documentation. This is so becasue indian lender often see NRIs as high-risk borrowers, and hence the regulatory compliance around NRI home loans is slightly strict.

In this blog, we will explore the key differences between NRI home loans and regular home loans, including eligibility criteria, documentation requirements, tax benefits, repayment options, and more. 

Sanskriti Saxena
Sanskriti Saxena(Tax Expert)

Miss Sanskriti is a certified Tax Expert. She has her expertise in US GAAP, Taxation, SOX, IRS, Accounting, and Auditing standards. Miss Saxena is an intellectual blend of a high-end auditor, tax consultant, and accountant

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  • Section 80C Deduction
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Frequently Asked Questions

Yes, NRIs can claim tax deductions on NRI home loans under Sections 24 and 80C of the Indian Income Tax Act. However, the tax benefits are applicable under certain conditions.

Yes, NRIs can easily repay their home loan via their NRO and NRE accounts in India. However, direct loan repayments from foreign bank accounts are not accepted.

No, the loan amount usually varies based on the individual's financial history and other related factors.

Yes, the interest rate for an NRI home loan is slightly higher than that for a normal home loan.

An NRI home loan is designed for Indians living abroad and have attained the residential status of a non-resident Indian, whereas a normal resident home loan is for Indian citizens. The main differences between the two lie in the documentation, loan tenure, repayment terms, interest rate, eligibility, and other related factors.