Published on and written by Cyril Jarnias
For the vast majority of households in India, purchasing real estate involves a bank loan. The credit market there is one of the world’s most dynamic, and the range of home loan products has become extremely broad, with dozens of banks and specialized institutions. However, this abundance of choice also complicates the task for borrowers, who must understand eligibility criteria, interest rates, fees, tax benefits, and regulatory subtleties before committing.
This article details banks’ assessment criteria, the calculation of the loan amount and monthly installments (EMI), market offers, public assistance like PMAY, and specifics for Non-Resident Indians (NRI), all illustrated with numerical examples and summary tables.
Understanding Home Loans in India
A home loan in India is designed as a long-term commitment, often for 15 to 30 years. The bank never finances 100% of the property’s cost: the borrower must provide a down payment and prove they can handle regular monthly payments over the duration.
Lenders can be public sector banks (SBI, Bank of Baroda, Canara Bank, etc.), private banks (HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra, etc.), or specialized housing finance companies (HDFC, LIC Housing Finance, PNB Housing, Bajaj Housing Finance, etc.). They offer a range of products covering purchase of new or resale homes, construction on owned land, renovation, extension, or refinancing an existing loan (balance transfer).
In India, the loan-to-value (LTV) ratio for a home loan typically ranges between 75% and 90% of the property price, with the balance being the buyer’s responsibility.
EMIs: The Key to Real Estate Financing
Repayment is made through monthly installments called EMIs (Equated Monthly Installments). Each EMI comprises a principal portion and an interest portion. At the beginning of the loan, the interest component is largely dominant; then, over the years, the principal portion increases and the interest portion decreases: this is the principle of amortization.
EMIs are calculated using a standard formula:
EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]
where:
– P = Loan amount
– R = Monthly interest rate (annual rate / 12 / 100)
– N = Loan tenure in months
For example, for a loan of ₹20,00,000 (20 lakhs), an interest rate of 1.5% over 15 years results in a monthly installment of approximately ₹1,240 and a total interest cost of about ₹23,200. With a rate of 2.5% over 20 years, the monthly installment drops to about ₹1,060, but the total interest cost increases to about ₹54,400. These figures illustrate how a longer tenure reduces the EMI but significantly increases the total cost of the loan.
| Loan Amount | Annual Rate | Tenure (Months) | Approx. EMI | Total Amount Repaid | Interest Paid |
|---|---|---|---|---|---|
| ₹10,00,000 | 7.20% | 120 | ₹11,714 | ₹14,05,703 | ₹4,05,703 |
| ₹20,00,000 | 7.50% | 120 | ₹23,740 | – | – |
| ₹40,00,000 | 8.50% | 240 | ₹34,713 | ₹83,31,103 | ₹43,31,103 |
| ₹50,00,000 | 7.35% | 300 | ₹36,359 | ₹1,09,27,000 approx. | ₹59,27,000 |
| ₹3,500,000 | 8.65% | 360 | ₹27,285 | – | – |
We see that a longer tenure allows for a lower EMI but greatly increases the total interest paid. This is one of the major trade-offs to consider before signing.
For under-construction properties, the concept of “pre-EMI” is also encountered: as long as the loan is not fully disbursed (the bank releases funds in stages as construction progresses), the borrower pays only the interest on the amounts already disbursed. The actual EMIs, including principal repayment, start after the final disbursement of funds.
Interest Rates: Levels, Types, and Key Factors
Home loan interest rates in India for most borrowers are in a range of about 7.35% to 13.20% per annum. The best profiles, with good credit scores and stable income, can secure rates near the floor, while cases deemed riskier, or certain specialized products, are subject to higher rates.
Fixed, Variable, and Hybrid Rates
Banks offer three main types of interest rates:
– Fixed Rate: The percentage remains constant for the entire loan tenure. This provides certainty, but these rates are generally higher initially, and you don’t benefit from potential market rate decreases. Lenders like PNB Housing, for example, advertise fixed rates that can reach 14.75%, well above the best variable rates.
A variable (or floating) rate moves based on a benchmark rate, which can be internal (like MCLR, RLLR, RPLR, or FRR) or external (such as a repo rate or a certificate of deposit rate). Banks are required to review rates linked to an external benchmark at least quarterly. Although these offers are generally cheaper initially than a fixed rate, they result in EMIs that can increase or decrease over time.
– Hybrid Rates (trufixed, mixed): The rate is fixed for an initial period (e.g., 2 or 3 years), then becomes variable. This is a compromise between short-term stability and long-term flexibility.
Some lenders also offer specific repayment structures. HDFC, for example, markets plans like SURF (lower EMIs at the start, which increase later as expected income rises) or FLIP (higher EMIs initially, which decrease later).
Rate Levels by Key Players
Competition among institutions is fierce, and rates depend closely on the borrower’s profile (income, CIBIL score, type of employment, etc.), as well as the nature of the loan (purchase, construction, refinance, top-up). The table below illustrates some indicative ranges mentioned in available data.
| Lender / Product | Customer Type | Indicative Rate Range |
|---|---|---|
| HDFC Bank – Home Loan | All Profiles | Starting from 7.90% p.a. |
| Bajaj Finserv – Home Loan | Salaried | Starting from 7.45% p.a. |
| Bajaj Finserv – Home Loan | Non-Salaried | Starting from 7.85% p.a. |
| Bajaj Housing Finance – Home Loan | Salaried | 7.45% – 10.25% p.a. |
| Bajaj Housing Finance – Home Loan | Self-Employed | 7.85% – 10.65% p.a. |
| Axis Bank – Variable Rate (CIBIL > 750) | Salaried & Self-Employed | 8.35% – 9.35% p.a. |
| Axis Bank – Variable Rate (CIBIL ≤ 750) | Salaried & Self-Employed | 8.60% – 9.35% p.a. |
| Axis Bank – Fixed Rate | All Profiles | 14.00% p.a. |
| PNB Housing – Home Loan | Based on Credit Score | 8.50% – 11.25% p.a. |
| Overall Market (Home Loans) | – | 7.35% – 13.20% p.a. |
Note that certain specialized products, like Axis Bank’s “Asha Home Loans”, can have higher rates (from 10.15% to 11.90% for salaried individuals, and slightly higher for self-employed), in exchange for broader eligibility for more modest or less standardized profiles.
How Is Your Rate Determined?
Several parameters factor into setting the rate:
Several key elements determine the interest rate offered by a bank: your credit score (ideally >750), your income level and job stability, the loan amount and loan-to-value (LTV) ratio, the type and location of the property, as well as the nature of the rate (fixed or variable) and the loan tenure.
Women borrowers sometimes benefit from a specific discount, in the range of 0.05% to 0.50%, if they are the primary borrower or a co-borrower.
Ancillary Fees: Beyond the Interest Rate
Focusing solely on the interest rate is a common mistake. In India, home loans involve a whole series of fees and commissions that can impact the overall cost. That’s why it’s important to look at the Annual Percentage Rate (APR), which includes processing fees and other mandatory charges.
Processing Fees and Various Charges
Almost all lenders charge processing fees at the time of application or loan sanction. They can be flat fees or proportional to the financed amount.
| Lender / Type of Fee | Typical Amount or Range |
|---|---|
| Processing Fees (General) | 0.15% to 4% of loan amount + GST |
| Axis Bank – Processing Fees | Up to 1% of amount or min. ₹10,000 + GST |
| Bajaj Finserv / Bajaj Housing Finance | Up to 4% of loan amount + GST |
| HDFC – Typical Minimum Fees | Up to 0.50% or min. ₹3,000 + taxes |
| Check / NACH Bounce Charges | Often ₹300–₹700 per incident, sometimes more |
| Documentation Charges (duplicates, statements, etc.) | Approx. ₹250–₹500 per request |
In addition, there are legal and administrative fees:
– Notary,
– Mortgage registration (Mortgage by Deposit of Title Deed – MOTD),
– Stamp duty,
– Registration with CERSAI,
– Possible technical appraisal report fees (lawyer, valuer).
Processing, technical, and legal fees are borne by the borrower, and their amounts can vary from one Indian state to another.
Late Payment Penalties and Prepayment Charges
Late payments are charged heavily: a penalty rate of around 2% per month (i.e., 24% per annum) on the unpaid EMI is common. Consistent late payments also negatively impact the credit score, which can jeopardize future projects.
Regarding prepayment, the most favorable regime is for variable-rate loans for individuals: most Indian banks no longer charge a penalty when the borrower prepays using “own funds” (and not through another lender). However, for fixed-rate loans or those considered for business use, charges of around 2% to 4% of the prepaid principal may apply, especially in case of refinancing by another bank.
Eligibility: How Banks Assess Your Borrowing Capacity
Obtaining a home loan in India involves meeting a relatively standardized set of criteria, although each institution has some leeway. The key idea is repayment capacity, assessing whether your income allows you to handle the new monthly installment without excessive risk.
Basic Criteria
The main lines are as follows:
– Age: Generally, between 21 years (at loan start) and 60–65 years at maturity for a salaried individual, 65–70 years for a self-employed individual. Some lenders accept tenures up to 75 years, even 80 years, but these are special cases.
– Income and Employment
– Salaried: Need for stable employment, preferably in the public sector or a large company, with 2 to 3 years of experience, or more;
– Self-employed / Entrepreneurs: Business or activity established for at least 3 to 5 years, accounts certified by a chartered accountant, balance sheet and profit & loss statements for several years;
– Minimum net monthly income: Around ₹10,000 to ₹25,000 depending on the bank, even ₹30,000 for some segments (e.g., targeted offers for government employees).
Minimum credit score generally required by lenders, with a score below 625 signaling higher risk.
– Existing Debt: The bank calculates a Fixed Obligation to Income Ratio (FOIR) or a Debt-to-Income ratio (DTI). In practice, it is recommended that all your EMIs (current + new) do not exceed 40–50% of your net income.
– Family Profile and Assets: Number of dependents, spouse’s income, assets held, savings history, etc.
How Much Can You Borrow?
Banks use internal formulas, but the following orders of magnitude are frequently seen: some institutions go up to 60 times the net monthly salary to calculate a theoretical maximum envelope.
A sample from the data:
– a 30-year-old borrower, with no other loans, and a gross monthly salary of ₹30,000, can obtain about ₹20.49 lakhs over 30 years at 6.90% interest;
– another example indicates that for a net salary of ₹50,000 per month, one can typically aim for ₹25–30 lakhs depending on the bank and other debts;
– for a monthly salary of ₹75,000, eligible amounts are around ₹50–60 lakhs.
The following table summarizes these indicative examples:
| Net Monthly Salary | Indicative Tenure | Indicative Rate | Approx. Possible Amount |
|---|---|---|---|
| ₹25,000–₹30,000 | 20–30 years | ~7–9% p.a. | ≈ ₹20 lakhs |
| ₹50,000 | 20–25 years | ~8% p.a. | ≈ ₹25–30 lakhs |
| ₹75,000 | 20–25 years | ~8–9% p.a. | ≈ ₹50–60 lakhs |
| ₹92,400 | 20–25 years | ~8–9% p.a. | ≈ ₹55.44 lakhs (92,400 × 60) |
These are orders of magnitude: each application is refined based on the chosen tenure, the actual rate granted, other EMIs, the LTV, and internal policies.
The Importance of Credit Score
The credit score, often called the “CIBIL score” in reference to the main Indian credit bureau TransUnion CIBIL, is a score out of 900. It is calculated from your credit history: payment regularity, card utilization, credit diversity, history length, recent inquiries, etc.
Schematic presentation of the main score categories used to assess and measure different dimensions.
Measure the efficiency, accuracy, or speed of execution of a task or process.
Assess the level of contentment or user experience, often via surveys or feedback.
Quantify the probability or potential impact of a negative event or threat.
Gauge the compliance, reliability, or excellence of a product, service, or data.
| Credit Score | Common Interpretation |
|---|---|
| 750 – 900 | Very Good to Excellent |
| 700 – 749 | Good |
| 650 – 699 | Acceptable, but improvable |
| 550 – 649 | Average, increased risk |
| 300 – 549 | Low, profile deemed risky |
| NH / NA | No or very little history |
A good score not only increases the chances of approval but also allows for negotiating better terms: lower rates, longer tenure, higher amounts. Conversely, a low score can lead to rejection, or more expensive and restrictive offers.
Improving your score mainly involves paying all your installments on time, keeping credit card utilization below 30%, avoiding multiple credit applications, and correcting any errors in your credit report.
Home Loan Application Process
Obtaining a home loan in India involves several structured steps: document preparation, eligibility check, application submission, analysis and sanction, then disbursement of funds.
Pre-Qualification and Online Calculators
Even before choosing a property, it is often recommended to use the EMI and eligibility calculators provided by banks like HDFC Bank, Axis Bank, Bajaj Finserv, or PNB Housing, or by financial portals like BankBazaar or Groww.
These free tools allow, based on a few data points (income, age, desired loan amount, assumed rate, other EMIs, down payment), to estimate:
– the likely monthly installment,
– the total interest over the tenure,
– the theoretical maximum amount that can be financed,
– the optimal tenure to keep EMIs in an acceptable range (often 45–50% of income).
This helps adjust your property budget before committing.
Application File and Supporting Documents
Preparing the application file is a crucial step. India requires quite thorough documentation, which varies depending on whether the borrower is salaried, self-employed, resident, NRI, etc. The main categories are:
List of supporting documents generally needed to build a home loan application file for banks.
PAN card (almost mandatory, mandatory above ₹10 lakhs for some banks), passport, Aadhaar, driver’s license, or voter ID card.
Passport, Aadhaar, electricity bills, registered rental agreement, or ration card.
Salary slips (3 to 6 months), Form 16, income tax returns (1 to 3 years), employment contract, and employer certificate.
Income tax returns (2 to 3 years), certified balance sheets and profit & loss statements, proof of business registration, and professional licenses.
Statements for the last 6 months are generally required.
Sale agreement, title deeds, approved plans, completion certificate, encumbrance certificate, and property tax receipts.
For NRIs, additional documents such as valid passport and visa, work permit, NRE/NRO account statements, overseas employment contract, etc., are added. It is often required to appoint a representative in India by Power of Attorney to handle signing and document submission.
From Sanction to Disbursement
Once the file is submitted (online or at a branch), the bank proceeds to:
1. Borrower Profile Analysis: KYC verification, credit score, income, existing obligations. 2. Technical and Legal Analysis of the Property: Validation of title deeds, plan compliance, assessment of market value. 3. Sanction: Issuance of a sanction letter mentioning the approved amount, rate, tenure, conditions, and fees. 4. Loan Agreement Signing. 5. Disbursement: Payment of funds to the seller or builder, in one go for a completed property, or in stages for an under-construction property, based on construction progress.
In some cases, accelerated digital processes allow for near-immediate pre-sanction. PNB Housing, for example, announces issuing an in-principle approval letter in 3 minutes, while groups like Bajaj Finserv highlight approvals in 48 hours for simple applications.
Down Payment, LTV, and Choosing the Tenure
In India, the buyer must provide between 10% and 25% of the property’s cost as a down payment, depending on the total amount and profile. Banks generally finance 75% to 90% of the price or construction estimate.
Example of a Typical Structure
Imagine an apartment costing ₹50 lakhs:
– the bank decides to apply an LTV of 80%;
– the maximum loan amount will therefore be ₹40 lakhs;
– the buyer must pay ₹10 lakhs (20% of the price) from their own pocket.
If, for reasons of prudence, the actual sanction is ₹35 lakhs, the required down payment rises to ₹15 lakhs. Increasing your down payment can sometimes help secure a better rate, but you should not put yourself in a cash flow bind for other expenses (processing fees, registration, furnishing, contingencies).
What Portion of Income to Allocate to EMIs?
Institutions generally recommend not exceeding 45 to 50% of your total income for EMIs, for all loans combined. Some may tolerate up to 60% in the absence of other debts, but this leaves little margin in case of a drop in income or unexpected expenses.
At 8% over 30 years, a monthly installment (EMI) of ₹25,000 allows you to finance a loan of approximately ₹29.88 lakhs.
The other lever to adjust your EMI is the loan tenure. Extending from 20 to 30 years significantly lowers the monthly installment but increases the total interest cost. An online EMI calculator allows you to simulate this trade-off.
Tax Benefits on Home Loans
The Indian tax framework makes home financing particularly attractive, with multiple possible deductions on interest and principal. These benefits, however, are strongly linked to the choice between the old and new tax regimes.
Main Deductions for Residents
Under the old tax regime, a borrower can benefit notably from:
Several sections of the Indian tax code allow deductions on home loan repayment. Section 80C allows a deduction of up to ₹1.5 lakh per annum on the principal repaid, as well as ancillary costs (stamp duty, registration), provided the property is completed and not sold within 5 years. Section 24(b) allows a deduction on interest: up to ₹2 lakh per annum for an owner-occupied residence, and unlimited for a rented-out property (with a loss set-off against other income capped at ₹2 lakh per annum, the excess being carried forward). Finally, Sections 80EE and 80EEA offer additional interest deductions, up to ₹1.5 lakh for 80EEA, for first-time home buyers under specific conditions related to property value and loan date.
For loans taken for renovation or repair, the interest deduction is limited to ₹30,000.
Interest paid before the completion of the property (so-called pre-construction interest) is accumulated and can be deducted in 5 equal annual installments, starting from the year of completion, within the overall limit of ₹2 lakh per annum for a self-occupied property.
Case of the New Tax Regime
With the new regime (Section 115BAC), many of these deductions disappear: no more Section 80C for principal, nor 80EE or 80EEA, and no deduction on interest for an owner-occupied property. For a rented property, the interest deduction against rental income remains possible, but the loss set-off mechanism is restricted.
Borrowers considering significant real estate financing should compare the two applicable tax regimes precisely. It is advisable to conduct this analysis, possibly with the help of an advisor, before making a final choice.
Joint Loans: Multiplying the Benefits
A home loan taken by two people (e.g., a couple) can be very beneficial tax-wise, provided the co-borrowers are also co-owners and actually participate in the repayment.
Each can then, in proportion to their ownership share, claim up to:
– ₹1.5 lakh annual deduction on principal (Section 80C);
– ₹2 lakh on interest (Section 24(b)).
In theory, a couple can therefore combine up to ₹3 lakh deduction on principal and ₹4 lakh on interest, based on the amounts actually paid and the ownership structure.
Public Assistance: The Role of Pradhan Mantri Awas Yojana (PMAY)
To facilitate homeownership, especially for low- and middle-income households, India has implemented a vast program called Pradhan Mantri Awas Yojana (PMAY), also known as “Housing for All.” This scheme has several components, including a flagship mechanism of interest subsidy on home loans: the Credit Linked Subsidy Scheme (CLSS) and, in the PMAY-U 2.0 version, a reoriented Interest Subsidy Scheme (ISS).
Targets and General Conditions
Beneficiaries are classified according to annual household income:
| Category | Annual Household Income |
|---|---|
| EWS | Up to ₹3 lakh |
| LIG | ₹3 lakh – ₹6 lakh |
| MIG I | ₹6 lakh – ₹12 lakh |
| MIG II | ₹12 lakh – ₹18 lakh |
The program targets individuals not already owning a “pucca” house anywhere in India, nor in the name of other family members. People living in rented accommodation, with parents, or in an ancestral home without being owners, may be eligible.
To benefit from EWS and LIG category subsidies, having a female co-owner (wife, daughter, etc.) is generally mandatory. Exceptions exist for special cases, such as widows.
Subsidy Mechanism
The core of the system is an interest discount paid directly to the loan account, reducing the outstanding principal. Under the previous CLSS phase:
– EWS/LIG benefited from a 6.5% interest subsidy on a loan amount up to ₹6 lakh, with a maximum subsidy of ₹2.67 lakh.
– MIG I and MIG II had subsidies of 4% and 3%, respectively, on defined loan amounts (₹9 lakh and ₹12 lakh) and slightly lower subsidy caps.
Maximum subsidy offered by the new ISS scheme of PMAY-U 2.0 for a home loan.
Practical Application
The borrower does not have to manage the subsidy application directly with the state: they submit their loan application to a PMAY partner institution (bank, HFC, NBFC). It verifies eligibility, submits the file to the central agency (National Housing Bank or another designated body), then credits the subsidy amount to the loan account once the decision is favorable.
This can take several months (3 to 4 months on average). When the subsidy arrives, there is a reduction in the outstanding principal and thus a possible reduction in the EMI or tenure.
Specifics for NRIs, OCIs, and PIOs
Non-Resident Indians (NRI), Overseas Citizens of India (OCI), or Persons of Indian Origin (PIO) can also obtain home financing in India, with some additional conditions related to foreign exchange law (FEMA) and banking regulations.
Who Can Borrow?
Generally, eligible individuals are:
– NRIs residing abroad but wishing to purchase a residential property in India;
– OCIs and PIOs (under certain conditions of origin nationality);
– Co-borrowers in India (spouse, parents, children) can be added to strengthen the application.
Nationals of Pakistan, Bangladesh, Sri Lanka, Afghanistan, Iran, and certain other countries must obtain prior approval from the Reserve Bank of India (RBI) to acquire immovable property in India.
Features of NRI Loans
The main features of home loans for NRIs are similar to those for residents, with a few specifics:
Main features and conditions of home loans intended for Non-Resident Indians (NRIs).
Typically up to 75–90% of property price. Limits ranging from a few lakhs to several tens of crores (e.g., up to ₹15 crores with some lenders).
Up to 20–30 years, but often limited by anticipated retirement age (e.g., 58–60 years for a salaried individual abroad).
In the same range as domestic loans (7.35–13.5% p.a.). Available in fixed, variable, or mixed versions.
EMIs must be deducted from NRE or NRO accounts in India, or via international transfers.
Passport, visa, work permit, employment contracts, foreign and NRE/NRO account statements, sometimes employer letter and foreign credit reports.
NRIs also benefit, if they declare income in India, from the same tax benefits (Section 80C, 24(b), etc.) on their home loans for a property in India.
Choosing the Right Bank and Financing Product
Given the multitude of players and formulas, comparing offers is essential. It’s not just about spotting the lowest advertised rate, but considering the whole package: fees, flexibility, quality of service, ease of long-term management.
Elements to examine include:
Before taking a loan, check the effective rate range for your profile, all fees (processing and others), prepayment policy, and refinancing conditions. Also evaluate the customer experience (online tracking, service), the possibility of rate conversion, and your eligibility for public assistance or special offers.
Public sector banks often offer slightly lower rates, but with more rigid procedures and sometimes longer timelines. Private banks and NBFCs can be faster and more flexible, at the cost, sometimes, of higher rates or fees.
Limiting Risks and Avoiding Pitfalls
A home loan is a commitment of several decades. A few precautions are necessary to avoid costly mistakes.
It’s important not to over-borrow on the pretext that the bank is willing to finance a high amount: a drop in income, an unexpected expense, or an increase in variable rates can quickly cause difficulty. It’s wise to keep a safety margin in terms of FOIR (Fixed Obligation to Income Ratio), rather than aiming for the maximum allowed.
Before any purchase, it is essential to verify the legal solidity of the property: examine the title deeds, ensure the absence of disputes or mortgages, check plan compliance and adherence to local regulations. A bank loan being approved is not a guarantee of the property’s legal quality, even though the bank conducts its own checks.
Finally, repeated non-payment of EMIs can lead, after 90 days of default, to the loan being classified as a Non-Performing Asset (NPA). Thanks to the SARFAESI Act, lenders have quick procedures to seize and sell the property. In case of temporary difficulty, it is better to negotiate with the bank (rescheduling, tenure extension, temporary pause) rather than letting the situation deteriorate.
Conclusion: Structuring Your Approach to Obtain (and Optimize) Your Financing
To obtain home financing in India under good conditions, it’s not enough to submit a form at the first bank you come across. A structured approach is required:
To maximize your chances of obtaining and the terms of a home loan in India, it is crucial to follow several key steps. Start by cleaning up your credit profile by settling any payment delays, reducing your credit card utilization, and avoiding taking on new unnecessary credit. Next, calculate your budget realistically using EMI calculators, aiming for a reasonable portion of your income dedicated to repayment. Prepare a complete and coherent documentation file, checking the consistency of all information and signatures. Compare several loan offers by evaluating not only interest rates but also ancillary fees, flexibility of conditions, and associated services. Check your eligibility for public programs like PMAY (Pradhan Mantri Awas Yojana) and substantial tax deductions, especially by staying in the old tax regime if it is advantageous. Finally, for Non-Resident Indians (NRIs), structure your project considering FEMA (Foreign Exchange Management Act) regulations and constraints related to repayment from abroad.
With these elements in hand, home financing in India becomes a powerful lever to access homeownership without depleting your savings, while benefiting from a generally favorable tax and regulatory framework. The key is to stay informed, prudent in your assumptions, and rigorous in preparing your application.
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Cyril Jarnias is an independent expert in international wealth management with over 20 years of experience. As an expatriate himself, he is dedicated to helping individuals and business leaders build, protect, and pass on their wealth with complete peace of mind.
On his website, cyriljarnias.com, he shares his expertise on international real estate, offshore company formation, and expatriation.
Thanks to his expertise, he offers sound advice to optimize his clients' wealth management. Cyril Jarnias is also recognized for his appearances in many prestigious media outlets such as BFM Business, les Français de l’étranger, Le Figaro, Les Echos, and Mieux vivre votre argent, where he shares his knowledge and know-how in wealth management.
