DOCUMENTS REQUIRED FROM NRI APPLICANT’s FOR HOME

LOAN SANCTION
1. One photograph of applicant (& co applicant, if any)-For Home loan application form

2. Latest Salary Certificate from the Employer on letterhead with seal mentioning
Name as in passport, Date of joining, Passport no., Designation , Latest salary and
perquisites
3. Copies of Salary slips of last 3 months

4. Copy of Employment Contract. (or Appointment letter)

5. Passport copies with valid Residence visa page

6. Copy of Work Permit/ Labour card / Photocopy of Identity card or any other proof of
work/employment issued by proper Govt. authorities

7. Copies of Local Bank Statements of latest 6 months (Salary Credit A/c)

8. Copies of 6 months NRE/NRO account statement (Installments are to be paid by way of

Post Dated Cheques from such a/c’s as per RBI guidelines) – In your case copies of the
savings bank a/c in Axis bank

Additional Documents
1. Copy of Loan details of Existing Loans ,if any and Any proof of Residence
2. Copy of the latest statement of Credit card/s.
3. Copy of Educational Qualification Certificates

4. Power of Attorney in DHFL Format. To be Attested by the officials of the Indian

Consulate/Embassy
Processing Fee
Processing fee cheque drawn on applicant’s NRI a/c or Re. draft payable at the place where the
application will be processed along with Application form
Property documents
Copies can be submitted in nearest branch where property located. This is required for Legal &
Technical checking by our staff before disbursement of sanctioned amount is made. Loan
Disbursement is subject to L & T Verification.
* Sanction validity:
• The validity of sanction shall be for a period of 3 months from the date of letter of
offer. Revalidation possible on individual merit. In case of lapse of sanction
period, the processing charges levied cannot be refunded.

* Repayment:
• The repayment shall commence in EMI’s from the next month after full
disbursement is made. EMI comprises of Principal and Interest
• PEMI (i.e. interest) is levied on the disbursed amount till full disbursement is
made.
* INTEREST RATES: ***
*** Variable Rate /Floating Rate - (Applicable as at time of Disbursement)
* Certain Originals may be needed for verification

Dewan Housing Finance Corporation ltd.-

Dubai - P.O. Box 48991, Office 211, Atrium Centre, Khalid Bin AL Walid Road (Bank Street), Bur
Dubai, UAE. Tel: 971 - 4-3524905 Fax 971 - 4-3524906, email: dubai@dhfl.com
Abu Dhabi - UAE sponsorship centre, Omier Bin Yousuf building /02 level, Landmark: next to
delma centre, Hamdan Street/Abu Dhabi, Tel: 971 – 2 -4945507
*** Fixed Rate- (Applicable as at time of Disbursement)

* Certain Originals may be needed for verification

Dewan Housing Finance Corporation ltd.-

Dubai - P.O. Box 48991, Office 211, Atrium Centre, Khalid Bin AL Walid Road (Bank Street), Bur
Dubai, UAE. Tel: 971 - 4-3524905 Fax 971 - 4-3524906, email: dubai@dhfl.com
Abu Dhabi - UAE sponsorship centre, Omier Bin Yousuf building /02 level, Landmark: next to
delma centre, Hamdan Street/Abu Dhabi, Tel: 971 – 2 -4945507