NRI Real Estate Investment

The real estate landscape of India is developing at an unprecedented pace, opening up investment opportunities like never before. With global markets witnessing a significant surge in property appreciation, India has emerged as a prime destination for investors. For non-resident Indians (NRIs) looking forward to establishing a reconnection with their roots, the options are vast and favourable. At N4 Realtor , we identify the enormous, untapped potential of Indian real estate and do whatever is called for to unlock it.

As professionals, we believe in transparent approach and high liquidity options while investing in dynamic real estate market of India. However, we understand that the task is tough and time consuming which is what we negate by our efforts of advising and facilitating sound, effective and profitable real estate investments for NRIs and OCI card holders.

NRIs Investment in India from Anywhere in the World

We welcome NRIs to contribute to Indian real estate investments by making them take advantage of various investment opportunities promising lucrative returns in residential and commercial projects, plots , SEZs, and infrastructural facilities.

Our expertise lies in advising and encouraging investments by NRI/OCI customers; in the process, we ensure the following:

High-quality construction
Transparency in project details
Fair dealings

NRIs are interested in Indian real estate market investment because they find it safe and rewarding. The best part is that they can benefit from being the titled owners similar to Indian property owners.

Most reputed banks and financial institutions in India offer funds to NRI investors for property purchase. At N4 Realtor, we have a dedicated NRI Desk that guarantees legal, seamless, and hassle-free services to fulfil NRI realty needs! Investment in real estate has always been a lucrative option for NRIs. The process has been made easier with favourable and hassle-free rules established by RBI for NRIs to invest in the real estate sector. Additionally, the present age market is more secure with the establishment of the Real Estate Regulation Act (RERA).

Benefits of Real Estate Investments for NRI

NRIs looking forward to using overseas funds can enjoy numerous benefits by investing in real estate in India; some of them are listed below:

Higher Returns

Indian properties can easily produce handsome annual rental yields, on the top capital appreciation which outperforms international markets.

Capital Appreciation

Dynamic expansion of Indian economy and urban development drives growth in property values.

Portfolio Diversification

Investments in real estate give a balanced mix of traditional stock and bond portfolios.

Inflation Resilience

Real estate is a tangible asset that appreciates in value, ensuring protection against the impact of inflation on purchasing power.

Hedging against Inflation

Property is considered a hard asset that increases its value during inflationary periods.

Legacy Planning

NRIs can strengthen familial bonds and cultural ties after investing in Indian property. This helps in having durable assets and a legacy.

Why Choose N4?

We deliver the following services to NRIs looking forward to investing in or purchasing property in India:

Determining budgets, exact needs, and appropriate locations
Guidance from experts and tips for identifying the suitable location
Understanding budgets and helping in availing pre-approved property loans through foreign banks aligning with the bank choices of clients
Property leasing as per the requirement of multinational companies.
Regular updates on the Indian property market on our website.

FAQs

In what way do NRIs invest in real estate in India?

If you are an NRI and wish to invest in real estate in India, having an NRO or NRE account is a must, which can be opened in any of the scheduled commercial banks in India. It is compulsory for NRI property investors to make transactions through Indian banks using NRE/NRO accounts for any inward money remittances. The rule is set by the Foreign Exchange Management Act (FEMA) and the Reserve Bank of India (RBI) regulation.

How does an NRI complete a property purchase transaction?

NRIs are allowed to transmit funds to India from overseas. The transaction can be done through standardised banking channels or by using the balance of an NRE, NRO, or FCNR account when making a payment for property. In case the NRI is unable to make the transaction in person, then they can appoint an agent through a power of attorney, who will act and do the transaction on their behalf. The agent can be anybody, either a relative in India or someone else.

Do NRIs/PIOs/OCIs have to file returns in India for their property rental income and capital gains tax?

NRIs/PIOs/OCIs are granted permission by the Government of India for legal purchase of property. They aren’t required to pay taxes in India while purchasing a property, but in the event of sale, they do have to pay the required taxes.

Can an NRI obtain a loan for the purpose of acquiring a residential or commercial property in India?

The Reserve Bank of India (RBI) has granted permission to some of the following financial institutions:

HDFC
LIC Housing Finance Ltd
Other authorized Banks
jBreak up of expenses

The grant has been given for the following:

Housing loans to NRI’s for house / flat acquisition
Self-occupation subject to certain conditions

Norms related to the following are at par with those relevant for Resident Indians:

Purpose of the loan
Margin money
Quantum of loan

The loan repayment duration limit should not exceed more than 15 years out of inward remittance through banking channels or out of funds held in the NRE/FCNR/NRO accounts of the investor.

What are the documents required by NRI to invest in CRE?

Here is a list of documents required by NRIs to invest in real estate in India:

Address proof (Same as Passport)
Bank Details
Power of Attorney
PAN card
Passport
Tax Residency Certificate (if applicable)

NRI Real Estate Investment