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Commercial Property Loans

Now make your business dreams a reality. Be it any profession, Karza House’s Commercial Property Loan enables you to tailor a workplace so that you can focus on your professional goals. 

Low interest rates from 8.64%
Competitive Interest Rates starting at 9.75%
Loans up to INR 10 Cr.
Longer tenures of upto 25 years
Tenure of up to 25 Years
With our Commercial Property Loan, you can now purchase your commercial space or upgrade your existing property, enabling you to fulfill your dreams!

Key Benefits

  • Enables commercial property purchase for own use or rent out
  • Low interest rates starting at 9.75%
  • Longer tenure of up to 25 years
  • Loan of up to 70% of the market value of the property

Low Interest Rates

We understand the challenges of growing your business. Interest rates on our Commercial Property

Loans are designed to help you get a jumpstart on your future

Resident
Salaried

9.75%

per annum onwards

Non-Resident Indian

Salaried

9.75%

per annum onwards

Business

Self Employed

9.75%

per annum onwards

Calculate your EMI

EMI:

0 INR

Total Interest Payable:

0 INR

Total of Payments (Principal + Interest):

0 INR

Mandatory documents required for commercial property loan for

KYC Documents
  • Copy of Pan Card or Form 60
  • Copy of proof of identity (Aadhar number / Valid Passport / Valid Driving License / Voter’s Identity Card)
  • Copy of proof of address (Aadhar number / Valid Passport / Valid Driving License / Voter’s Identity Card)
Income Documents
  • Copy of salary slip for last one month, or a Salary Certificate on the company letterhead (authorized by the signatory of the organization)
  • Copy of proof of employment for last 2 years (Form 16 or joining date on appointment letter or salary slip etc.)
  • Copy of salary account statement for last 6 months
  • Copy of proof of bonus for last 2 years (bank statement) or variable incentive for last 6 months (salary slip)
Property Documents
  • Copy of current Registration or Draft Agreement for sale (only for Maharashtra) / allotment letter / stamped agreement for sale
  • Copy of Occupancy Certificate (fully constructed property) or approved plan copy (xerox blueprint)
  • Copy of Share Certificate (only for Maharashtra), maintenance bill, property tax receipt
  • Copy of payment receipts or bank account statement showing payments made to seller
  • Prior chain-link title documents
KYC Documents
  • 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)
Income Documents
  • 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
Property Documents
For Under construction Home Loans – Approved Projects
  • Allotment Letter or Stamped Agreement for Sale
  • Payment Receipts or bank account statement showing all payments made to the Builder
For Resale Home Loans
  • 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
KYC Documents
  • 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)
Income Documents
  • 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
Property Documents
  • 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

What is commercial property loan ?

It is a loan to finance the purchase of a new or existing commercial property. The funds obtained from this loan can be directed towards the construction, extension, or improvement of a commercial property. 

Who can avail a commercial property loan?

All customers,salaried or self-employed NRIs (professional and non-professionals) can avail of this loan. 

What is the maximum term I can avail for commercial plot loan ?

You can avail of a Commercial Property Loan for a maximum term of 15 years or till the age of retirement, whichever lower. 

What are the documents required for commercial plot loans?

Click here to know the documents required for Commercial Property Loan. For applicable fees and charges, refer to Schedule of Charges

Commercial Property Loan

Our Services

What We Offer for You

Home Loan
Home Loan

Tailored solutions, competitive rates, and personalized service, turning your homeownership dream into reality

Business Loan
Commercial Property Loans

Empowering business growth with flexible financing options for your commercial real estate

Business Loans

Fueling your entrepreneurial journey with tailored financing solutions and expert financial support.

Personal Loan

Your trusted partner for achieving life’s goals with hassle-free, quick, and flexible financing

Professional Loans
Professional Loans

 Elevating your career with specialized financial support tailored to your unique needs

Plot Loans

Turning your landownership aspirations into reality with customized financing and expert guidance

Tractor Loan
Tractor Loan

Cultivating your agricultural success with specialized financing for your farming equipment needs.

Balance Transfer

Simplifying your financial life with seamless loan transfers for greater savings and convenience

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