An NRI's home loan application has to be necessarily supported by his/her passport copy, certificate of employment or work contract. It is advisable, although not obligatory, to include a Power of Attorney with a loan application, authorizing a representative to liaison with the housing finance company as the loan applicant may not always be available in India. A Power of Attorney is usually executed in favor of a family member of the NRI loan applicant.
Checklist of documents
Passport and Visa
A copy of an employee appointment letter and contract
The labor card/identity card (translated in English and countersigned by the consulate) and salary certificate (in English) specifying name, date of joining, designation, and salary details