Commercial Property Purchase Loan

Empower your business with flexible financing for purchasing, constructing, or renovating commercial real estate—be it office spaces, warehouses, retail outlets, or industrial units.

Why choose Rupee Boss for your Commercial Property Purchase Loan ?

Key Features

High Loan-to-Value (LTV): Avail up to 70–80% of the property’s market or registered value

Competitive Interest Rates: Starting around 9–11% p.a., depending on credit profile and collateral

Flexible Tenures: Choose repayment periods ranging from 5 to 20 years (some lenders offer up to 25 years)

Loan Quantum: Borrow from ₹10 lakhs to ₹50+ crore (varies by bank/NBFC

NRI Support: Specific solutions available for NRIs with repo-linked rates and top-up facilities

Multiple Property Types: Eligible for owner-occupied (OOCRE) and investment properties—office, industrial, retail, warehouses

Service benefits

Preserve Cash Flow: Spread EMIs over a convenient tenure while focusing capital on growth

Tax Benefits: Interest can be tax-deductible when used for business purposes

Lower Rates vs. Unsecured Credit: Secured loans allow more favorable rates than personal or business loans

Fast, Transparent Processing: Minimal hidden fees, prepayment allowed, and digital sanctioning for convenience

Eligibility Criteria

Borrower Profile: Salaried individuals, self-employed professionals (e.g., doctors, CA, architects), and non-professionals (e.g., traders, contractors)
Age: Typically 18–70 years (some lenders extend to 85 years at maturity)
Credit Quality: Minimum credit score of 700–750+ for best
Stable Income & Documentation: 2–3 years’ ITR, audited accounts, bank statements, KYC, and property documents

Loan Amount & Tenure Overview

Loan Purpose	Loan Amount Range	LTV (%)	Tenure
Purchase ready-built / under-construction	₹10 L – ₹5–10 Cr+	55–80%	3–20 years
NRI clients	Up to 100% top-up available	—	Up to 15 years
SMEs / Corporates	₹10 L – ₹50 Cr+	Tailored	Up to 25 years

Documentation Requirements

Prepare the following for a swift application process:

KYC: Aadhaar / PAN / Passport / Voter ID / Driving License
Income Proof:
1. Salaried: Last 3 months’ salary slips, Form 16, bank statements.
2. Self-employed: 3 years’ ITR, audited balance sheets & P&L statements, bank statements.
Property Documents: Agreement, title deeds, builder NOC (if applicable), valuations
Entity Documents (for firms/companies): Incorporation certificates, MOA/AOA, resolution authorizing the borrowing.

Application Process

Check Eligibility Online: Use our EMI & eligibility calculators.
Apply & Upload Documents: Upload KYC, income, and property documents.
Property Valuation & Credit Appraisal: On-site inspection and assessment.
Digital Sanction & Disbursement: Receive approval and loan funds within 72 hours (typical timeline).

FAQ's

What interest rate ranges can I expect?

Rates usually start from around 9–9.5% p.a. and can go up to 12–13%, based on your profile and loan size

Can NRIs apply for top-up on overseas incomes

Yes, NRIs can avail repo-linked rates and up to 100% top-up loans, with digital sanction via our platform

What is the maximum LTV for commercial property?

Typically, up to 80%, though some lenders may limit it to 55–70% depending on property type

Can existing home-loan customers get top-up?

Yes—existing borrowers can refinance or top-up up to full loan amount in most cases

Why Partner with Us

Transparent Charges: No hidden fees—just clear, upfront processing and prepayment terms.
Quick Turnaround: Digital approvals in under 72 hours.
Custom Solutions: Tailored loan structures for professionals, SMEs, NRIs, and corporates.
Expert Support: Dedicated relationship managers guide you through valuation, documentation, and disbursement.

Get Started Today

- Explore eligibility & EMI calculators
- Apply now for a tailored quote
- Speak with our expert to discuss your commercial property journey
Turn your real estate ambitions into reality—fast, flexible, and hassle-free.