Living in Japan on an Engineer Visa, Highly Skilled Professional (HSP), or Permanent Residency? Invest in your dream home in India. Compare top banks, check eligibility in minutes, and get in-principle approval in 72 hours — all from Japan.
Dedicated NRI experts who understand the unique challenges of applying for an Indian home loan from Japan.
Our advisors understand all Japan residency profiles — Engineer/Specialist visa, Highly Skilled Professional (HSP), J-Skip, Specified Skilled Worker (SSW), Intra-Company Transferee, and Permanent Residency — ensuring your loan application is perfectly structured for Indian banks.
Complete guidance on FEMA regulations, NRE/NRO account requirements, and RBI guidelines so you face zero legal complications — whether you are in Tokyo, Osaka, Nagoya, or Bangalore-based with India property plans.
With our pre-verified NRI application process, get a confirmed in-principle sanction letter within 72 hours — without travelling to India.
We help you link your NRE/NRO account for seamless monthly EMI repayment directly from Japan — 100% FEMA compliant and completely hassle-free.
We guide you through preparing and notarizing your Specific Power of Attorney at the Embassy of India in Tokyo or the Consulate General of India in Osaka.
One point of contact throughout your entire journey — from document collection to final loan disbursement.
Enter your Japanese Yen salary and find out the exact loan amount you can get from top Indian banks — SBI, HDFC, ICICI, Axis Bank, and Kotak Mahindra Bank.
WhatsApp or call our Japan NRI experts. Share your Yen salary, visa type, and property requirement in India. Get eligibility confirmed within 24 hours.
Share all documents digitally via WhatsApp or our secure portal. No physical paperwork needs to be couriered to India.
We apply to the most suitable Indian bank for your JPY income and NRI profile. Get in-principle approval typically within 72 hours.
Bank's legal panel verifies property documents in India. Our team coordinates property valuation and registry paperwork entirely on your behalf.
Loan amount directly credited to builder or seller. EMI starts from your linked NRE/NRO account. Move into your dream home.
Yes. Non-Resident Indians residing in Japan — whether on an Engineer/Specialist visa, Highly Skilled Professional (HSP) visa, J-Skip (Special Highly Skilled Professional), Specified Skilled Worker (SSW), Intra-Company Transferee, or Permanent Residency — can freely purchase residential and commercial property in India. Under the Foreign Exchange Management Act (FEMA), no special RBI permission is required for residential or commercial property purchases by NRIs.
However, NRIs cannot purchase agricultural land, farmhouses, or plantation properties in India.
Funding the purchase through an Indian home loan is fully permitted. EMI repayment must be made through your NRE or NRO account via proper banking channels — cash brought from Japan to India or direct transfers outside banking channels cannot be used for loan repayment.
⚠️ Important: As per RBI and FEMA guidelines, all NRI home loan EMI repayments must be routed only through NRE / NRO / FCNR accounts or via direct inward remittances through proper banking channels. Cash or traveller’s cheques brought from Japan to India cannot be used.
Both NRE and NRO accounts can be used for NRI home loan repayment. Key differences:
We assist you in opening the correct NRE account and setting up automatic EMI deductions — ensuring your repayment is seamless from Japan.
Both NRE and NRO accounts can be used for NRI home loan repayment. Key differences:
We assist you in opening the correct NRE account and setting up automatic EMI deductions — ensuring your repayment is seamless from Japan.
Indian banks convert your Japanese Yen gross salary to INR at the prevailing RBI exchange rate and apply a standard income multiplier. As of 2026 (approx. 1 JPY = ₹0.58):
Banks typically finance 75–85% of the property value. Actual eligibility also depends on your age, existing loan obligations, credit history, and employer type.
Japan’s Highly Skilled Professional (HSP) visa is a points-based residence status that requires a minimum annual salary of ¥3 million and a points score of 70+. Many Indian IT professionals — especially those with a Master’s degree, 5+ years of experience, and salaries of ¥6–8 million or more — easily qualify.
HSP holders are viewed positively by Indian banks due to:
Similarly, J-Skip holders — earning ¥20 million or more annually — are considered premium NRI profiles and qualify for the highest loan amounts with the most competitive interest rates. Intra-Company Transferees from Indian IT companies with Japan offices (Infosys, TCS, Wipro, HCL, etc.) are also well-served by major Indian banks.
Since you are based in Japan, you will need a Power of Attorney (PoA) to authorise a trusted representative in India — a parent, spouse, or sibling — to execute property and home loan documents on your behalf. A Specific Power of Attorney is strongly recommended, limiting authority strictly to tasks related to your home loan and property transaction.
The PoA must be:
We provide ready-to-use Specific PoA formats and templates — you only need to get the document attested at the nearest Indian diplomatic mission in Japan.
Japan NRIs who file income tax returns in India can claim tax deductions on their Indian home loan:
Note: India and Japan have a Double Taxation Avoidance Agreement (DTAA), which prevents the same income from being taxed in both countries. Consult a cross-border tax advisor for personalised guidance on optimising your tax position.
Yes. Engineer/Specialist visa holders are fully eligible for NRI home loans from major Indian banks including Kotak Mahindra Bank, ICICI Bank, HDFC, and SBI — all of which specifically cover Japan as an eligible NRI country. You need a valid Japan residence card, a minimum monthly salary of ¥4,00,000, and at least 2 years of total work experience.
No. The complete process — application, document submission, and in-principle approval — can be done entirely online from Japan. Final disbursement can also be executed through a Power of Attorney attested at the Indian Embassy in Tokyo or the Consulate General in Osaka. You do not need to travel to India.
Tell us about your requirement and a dedicated Japan NRI expert will get back to you within 2 business hours. Consultation is 100% free.
