Home purchase, Loan Against Property, and investment financing for NRIs across UAE, UK, USA, Canada, and 30+ countries. ARIA speaks your language — English, Hindi, always online.
Free · Zero CIBIL impact · ARIA responds in 2 minutes
🔒 Zero CIBIL impact · Free · Our NRI desk responds within 4 hours
Chat with ARIA from wherever you are — UAE, UK, or USA. She understands NRI loan rules across all countries.
Share your overseas income proof, Indian property documents, and NRI bank statements digitally. No India visit needed to apply.
FLOCRED's team liaises with the lender in India on your behalf. Power of Attorney can be used for signature.
Loan disbursed directly to builder/seller in India. EMI debited from your NRE/NRO account monthly.
No. Most banks allow the entire process digitally. You'll need to send a notarised Power of Attorney to a trusted person in India for signing final documents. FLOCRED's team guides you through the POA process step by step.
Overseas: Valid passport, visa, work permit, last 3 months' salary slips, 6-month overseas bank statement, employment contract. India-side: Property documents, PAN card, NRE/NRO account details. ARIA gives you the exact list for your specific lender.
Yes. EMIs can be paid from your NRE (Non-Resident External) or NRO (Non-Resident Ordinary) account. HDFC and SBI accept direct international remittances. Repayment in foreign currency is FEMA-compliant.
Home Loan: Up to ₹5 Crore (some banks higher for high-income NRIs). LAP: Up to ₹10 Crore. The amount depends on your overseas income, the property value, and the lender's NRI policy. ARIA calculates your maximum in 2 minutes.
ARIA is online 24/7. WhatsApp from Dubai at midnight — she'll respond immediately.