Loan against commercial property, shop and land

Commercial collateral is funded more conservatively than a home, and land more conservatively still — but with the right lender the amounts are substantial.

Commercial LTV
50–60%
Land LTV
40–50%
Rent
Counted as income

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What lenders fund

Property type and tenancy drive both the valuation and the rate.

  • Shops and showrooms with a shop act licence and clear title
  • Offices and IT units, including strata-titled floors
  • Industrial galas and warehouses with select lenders
  • Non-agricultural residential or commercial land with a smaller set of lenders

Lease rental discounting

If the property is rented to a strong tenant on a registered lease, some lenders fund against the rent stream instead of your personal income — often a larger and cleaner sanction than a standard LAP.

Loan Against Commercial Property — frequently asked questions

EMI calculator

Know your monthly EMI before you apply

Move the sliders to see how loan amount, interest rate and tenure change your EMI.

₹50.0 L
₹5 L₹5 Cr
8.50% p.a.
7%16%
20 years
1 yr30 yrs

Monthly EMI

₹43,391

48% principal · 52% interest over the full term

Principal
₹50,00,000
Total interest
₹54,13,879
Total payable
₹1,04,13,879
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How it works

Four steps from enquiry to keys

  1. 01

    Share your requirement

    Call, WhatsApp or fill the form. We understand your income, property and budget.

  2. 02

    Document check

    We collect and verify your papers, then fix any gaps before the file goes out.

  3. 03

    Best bank match

    We place your file with the lenders offering you the best rate and highest eligibility.

  4. 04

    Sanction & disbursal

    Legal, valuation and registration follow-ups handled till the money reaches the seller.

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