Trivandrum has become a preferred real estate destination for Non-Resident Indians (NRIs) looking to invest in buy apartment in trivandrum . With its stable property market, strong infrastructure growth, and excellent quality of life, the city offers both emotional and financial value for NRI buyers. This guide explains everything NRIs need to know before purchasing property in Trivandrum.

1. Why NRIs Prefer Trivandrum

Trivandrum offers a rare balance of development, safety, and long-term growth. As Kerala’s capital city, it benefits from continuous government investment and planned urban expansion.

Key reasons NRIs choose Trivandrum:

• Stable real estate prices

• High rental demand

• Excellent healthcare and education

• International airport connectivity

• Ideal for retirement living

2. Property Types NRIs Can Buy

As per RBI guidelines, NRIs are allowed to purchase:

• Residential apartments

• Villas and independent houses

• Commercial properties

NRIs cannot purchase agricultural land, plantation property, or farmhouses.

Apartments from reputed builders are the most preferred option due to legal clarity and ease of maintenance.

3. Legal & Documentation Requirements

NRIs must ensure the following before purchasing:

• Valid passport and visa

• PAN card

• RERA-registered project

• Clear land title and approvals

• Sale agreement and registered deed

Using a trusted developer simplifies documentation and reduces risk.

4. Home Loans for NRIs

NRIs are eligible for home loans from Indian banks, subject to eligibility norms. Loans are usually sanctioned based on overseas income and repayment capacity.

Important points:

• Loan disbursement is in Indian rupees

• EMIs are paid through NRE/NRO accounts

• Interest rates are slightly higher than resident loans

5. Taxation & Repatriation

NRIs should be aware of:

• Tax deductions on home loan interest and principal

• Capital gains tax on resale

• TDS applicability on rental income

Rental income and sale proceeds can be repatriated as per RBI guidelines, subject to limits.

6. Rental Income & Property Management

Trivandrum offers strong rental demand from professionals, families, and students. Apartments near Technopark and city centres see faster occupancy.

Many builders and agencies offer property management services, making ownership hassle-free for NRIs.

7. Choosing the Right Builder

NRIs should always choose:

• RERA-compliant builders

• Developers with a proven track record

• Projects with transparent pricing

• Clear possession timelines

This ensures peace of mind and long-term value.

Conclusion

For NRIs looking to invest in Kerala, Trivandrum offers safety, stability, and strong future growth. Whether for rental income, future residence, or retirement planning, the city remains a smart choice.

Heather Homes provides NRI-friendly residential projects with clear documentation, quality construction, and prime locations across Trivandrum.