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Commercial Mortgage Loan

Commercial Mortgage Loan is a specialized loan that allows businesses to purchase, refinance, or improve commercial properties. These properties could include office buildings, retail spaces, warehouses, industrial complexes, or any other property that is primarily used for business purposes. By using the property as collateral, businesses can secure large loan amounts, benefiting from relatively lower interest rates and flexible repayment terms. This loan is a crucial financial tool for business owners looking to expand or invest in real estate for operational purposes.

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A commercial mortgage is used to acquire or refinance commercial real estate, whether for expanding an existing business, setting up a new location, or purchasing property for rental income. It can also be used for renovating or upgrading commercial properties.

Loan Amount Offer
Minimum Loan Amount Offer upto : 5 Lakhs
Maximum Loan Amount Offer upto : 200 crore
Rate of Interest(%)
Minimum ROI Start From : 10.50 % P.A.
Maximum ROI : 18.00 % P.A.
Tenure
Minimum Tenures : 1 Year
Maximum Tenure : 20 Years
Documents Required for Loan
Individual & Salaried Employee Self & Professional Employee Company Pvt. Ltd. & Public Ltd.
Primary KYC: Aadhaar Card, PAN Card Applicant KYC: PAN Card, Aadhaar Card Director & Partners KYC: PAN Card, Aadhaar Card, Voter ID
Co-Applicant KYC: Aadhaar Card, PAN Card, Voter ID Card Co-Applicant KYC: PAN Card, Aadhaar Card, Voter ID Company Certificates: CRC Certificate, TAN Certificate, Company PAN Card, Directors DIN Certificate, Board Resolutions, Shareholding Pattern, Partnership Deed
Income Proof: Last 3 months’ salary slip Income Proof: Last 2 years financial return, GST Return (3RB) Income Proof: Last 2 years financial return,  GST return of company
Residence Proof: Aadhaar Card, Voter ID, Electricity Bill, Rent Agreement, Gas Receipt, Post Mobile Bill, Property Tax Residence Proof: Aadhaar Card, Election Commission Card, Driving License, Gas Receipt, Passport, Rent Agreement (Any One) Residence Proof: Aadhaar Card, Election Commission Card,
Driving License, Gas Receipt, Passport, Rent Agreement (Any One)
Bank Statement: Last 6 months' bank statement Banking: Last 1 year bank statement (Current/Savings Account) Banking: Last 1 year bank statement (Current Account)
Photograph: Live photo Photograph: Live photo Photograph: Live photo
Business Documents: N/A Business Proof: Trade License, Shop Act, GSTN Certificate,
Food License, Business License, MSME Certificate, etc.		 Business Proof: Trade License, Shop Act, GSTN Certificate, Food License, Business License, MSME Certificate, etc.
Property Documents: Registry Copy, Property Transfer Certificate,Link or Chain Registry, Property Tax Receipt, Map of Property, TNCP Certificate, Building Permission, etc. Property Documents: Registry Copy, Property Transfer Certificate,Link or Chain Registry, Property Tax Receipt, Map of Property, TNCP Certificate, Building Permission, etc. Property Documents: Registry Copy, Property Transfer Certificate,Link or Chain Registry, Property Tax Receipt, Map of Property, TNCP Certificate, Building Permission, etc.
Golden Features and Benifits

  • Large Loan Amounts: Commercial mortgages offer substantial loan amounts that can cover large-scale property purchases or business expansion projects. This helps businesses acquire valuable assets that can enhance their operations or generate additional income through rentals.

  • Long-Term Financing: With longer repayment terms (up to 20 years or more), commercial mortgages provide businesses with manageable monthly payments. This allows companies to invest in high-value properties without burdening their cash flow.

  • Tax Advantages: Businesses can enjoy tax deductions on mortgage interest and property depreciation, making it an attractive way to finance commercial real estate while saving on taxes.

  • Improved Cash Flow: By owning commercial property, businesses can benefit from rental income, reduce reliance on leasing, and gain long-term financial stability.

  • Equity Building: As the mortgage is repaid, businesses build equity in their commercial property, which can later be used to leverage further loans or as a valuable asset in the future.