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Commercial Property Loans
Key Features
- Key Benefits
- EMI Break
Ready to take the next step in your career? We can help you do that!
Buy your own commercial space or upgrade your existing one with a Commercial Property Loan that will help you go further.
- Buy commercial property of your choice to either for own use or to let out.
- Get low interest rates starting at 9.75%.
- Avail longer tenure of up to 25 years.
- Avail loan of upto 70% of market value of your property.
- Avail EMI break in first 3 years of your loan.
*T&C Apply
We understand that life can be hard at times.
We can ease it financially by giving you an EMI break when you most need it:
- Avail breaks for 3 predefined EMI’s/ PEMI’s in the first 3 years of the loan. Yes!, you pay 11 out of 12 months in the 1st 3 years of the loan.
- Salaried customers can avail an EMI Break in March (tax season), Self Employed customers in September (festival season) and Practicing Professionals in June (holiday season)
*T&C Apply
Low Interest Rates
RESIDENT
Salaried
NRI Salaried
Salaried
BUSINESS
Self Employed
PRACTICING PROFESSIONALS
Self Employed
*T&C Apply
- Emi Amount
- Loan Eligibility
- Tax Saving
Loan Tenure
Your Monthly EMI
₹
For the years at the % of interest rate
Total Interest Payable
₹
Total Payment (Interest + Principal)
₹
Loan Tenure
Your EMI Will Be
₹
Your Eligibility
₹
Financial Details
Income Tax Benefits
₹
Income Tax Payable includes 4% cess.
Income Tax Payable After Loan
₹
Income Tax Payable Before Loan
₹
- Salaried Individuals
- Self-Employed
- Self-Employed Professional
- Pan Card or Form 60 is a mandatory requirement for the loan application processing
- Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
- Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
- Latest 1 month salary slip, or a Salary Certificate authorized by the signatory of the company on the letter head
- Proof of employment for 2 years (Form 16 or Joining date on salary slip or employer letter or appointment letter etc.)
- Last 6 months statement of bank account where salary is credited
- Proof of bonus of last 2 years or Variable incentive for last 6 months - Bank statement reflecting the credits and salary slip letter reflecting bonus or variable incentive
- Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
- Prior Chain Link title documents
- Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
- Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
- Payment Receipts or bank account statement showing all the payments made to Seller
- Pan Card or Form 60 is a mandatory requirement for the loan application processing
- Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
- Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
- ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
- Bank Statements for last 12 months
- Business Continuity Proof for 5 years
- Tax Audit Report, if applicable
- Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
- Prior Chain Link title documents
- Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
- Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
- Payment Receipts or bank account statement showing all the payments made to Seller
- Pan Card or Form 60 is a mandatory requirement for the loan application processing
- Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
- Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
- ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
- Practice Continuity Proof for 5 years
- GST challans for last 1 or 2 or 3 quarter since filing of last returns
- Tax Audit Report, if applicable
- Bank statement showing Rental credits & Registered Rent Agreement, if applicable
- Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
- Prior Chain Link title documents
- Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
- Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
- Payment Receipts or bank account statement showing all the payments made to Seller
FAQs
A Loan to finance the purchase of new or existing commercial property as well as construction, extension or improvement of commercial property.
Salaried and Self employed (professional and non-professionals) NRI not to be funded.
You can avail of a Commercial Property Loan for a maximum of 25 years or the age of retirement, whichever is earlier.
Click here to know the documents required for Commercial Property Loan. For applicable fees and charges, refer to Schedule of Charges
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