1. Know the Rules for NRIs

What NRIs Can & Cannot Buy

✅ You CAN Buy:

• Flats/apartments (new or resale)

• Commercial properties (shops, offices)

❌ You CANNOT Buy:

• Agricultural land

• Farmhouses

• Plantation land

Tip: If you inherit such property, you can keep it but can’t buy new ones.

2. Choose the Right Property

How to Find a Good Home from Abroad

• Use Trusted Websites: MagicBricks, 99acres, Housing.com

• Ask Friends/Family: If they can visit on your behalf

• Check Builder Reputation: Look for past projects & customer reviews

• Location Matters: Near metro/city center? Good hospitals/schools?

Tip: If possible, visit India to see the property before buying.

3. Manage Money & Payments

Sending Money from Abroad? Here’s How

• Use NRE/NRO Account: Transfer money easily (no tax on NRE funds)

• Home Loan Option: Many Indian banks give loans to NRIs (HDFC, SBI, ICICI)

• Documents Needed: Passport, visa, salary slips, bank statements

Tip: Avoid cash payments—always use bank transfers for safety.

4. Legal Checks Before Buying

Don’t Skip These Important Steps

✔ Builder-Buyer Agreement: Read carefully before signing
✔ Approved Plans: Check if the building has RERA approval
✔ No Legal Disputes: Ask a lawyer to verify property papers

Tip: If buying resale, check past ownership & any pending loans.

5. Registration & Papers Work

Final Steps to Get Your Home

• Power of Attorney (POA): If you can’t visit India, assign someone you trust

• Pay Stamp Duty & Registration: Costs vary by state (3-7% of property value)

• Get Sale Deed Signed: This makes you the legal owner

Tip: Some states allow online registration—check if available.

6. After Buying the Property

What to Do Once You Own the Home

• Rent It Out? NRIs can rent properties in India (tax applies)

• Maintenance: Pay society charges on time

• Tax Rules: You must file ITR in India if earning rent

Tip: Keep all documents safe—you’ll need them for future sales.

Final Thoughts

Buying in India is Easy if You Follow the Steps

NRIs can safely buy property in India—just follow legal rules, pick trusted builders, and manage money wisely. If unsure, ask a local lawyer or bank for help.

Ready to Start?
👉 Check properties online
👉 Talk to banks about loans
👉 Plan a visit if possible

Got questions? Ask in comments—we’ll help!