NRI Property Buying Rules for United Arab Emirates NRIs
Complete 2025 guide for United Arab Emirates-based NRIs investing in Indian real estate.Complete guide to NRI property purchase regulations
United Arab Emirates NRI Quick Facts
Foreigners can buy freehold property in designated areas. Golden Visa available for property investments.
What United Arab Emirates NRIs Can Purchase in India
NRIs from United Arab Emirates can purchase residential and commercial properties in India without RBI approval. However, agricultural land, plantation property, and farmhouses require special permissions. Joint purchases with resident Indians are allowed.
FEMA Compliance Requirements
All property purchases must comply with FEMA (Foreign Exchange Management Act). Funds must be remitted through banking channels from NRE/NRO accounts. Maximum of 2 residential properties can be purchased under general permission.
Payment Methods Allowed
Payments must be made through NRE (Non-Resident External) or NRO (Non-Resident Ordinary) accounts. Direct remittance from United Arab Emirates in AED is allowed and converted at prevailing rates. Cash payments are prohibited.
Power of Attorney (POA)
United Arab Emirates-based NRIs can execute transactions via POA. The POA must be notarized and apostilled. Indian consulates in United Arab Emirates can also attest POA documents.
LRS Limit Considerations
Under the Liberalized Remittance Scheme, United Arab Emirates residents can remit up to د.إ250,000 USD equivalent per financial year. For larger investments, proper documentation of fund sources is required.
Required Documents
- Valid passport with valid visa
- OCI/PIO card (if applicable)
- PAN card
- Address proof in United Arab Emirates
- NRE/NRO account statements
- Foreign bank statements
- Tax returns from United Arab Emirates
- POA (if applicable)
Important Notice
Laws and regulations may change. Always consult with a qualified legal professional before making investment decisions. EstateKart provides general guidance only.
Frequently Asked Questions
Can I buy property in India while living in United Arab Emirates?
Yes, United Arab Emirates-based NRIs can freely purchase residential and commercial properties in India without being physically present, using a registered Power of Attorney.
Do I need RBI approval?
No, general permission is granted for residential/commercial property. Only agricultural land requires specific approval.
Can I take a home loan from Indian banks?
Yes, most Indian banks offer home loans to NRIs. The loan can be serviced through NRE/NRO accounts.
How do I pay for the property?
Payment must be made through banking channels - either via NRE/NRO account or direct remittance from your foreign account.
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