Shops, offices and showrooms
Buy the premises instead of paying rent on them.
A commercial property loan funds the purchase of a shop, office, showroom or clinic. Lenders treat commercial property more cautiously than a home — the funding percentage is lower, the tenure shorter and the title checks harder — but for a business paying rent, the arithmetic often still favours buying.
- Interest range p.a.
- [7%–12%] Interest range p.a.
- Of property value
- 55%–70% Of property value
- Maximum tenure
- 15 years Maximum tenure
Why through JSR
What you get
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Rent becomes equity
The EMI buys an asset you keep. Rent buys a receipt.
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Ready or under construction
Both are fundable, though under-construction commercial units face tighter scrutiny and a lower percentage.
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Rental income can support it
If the unit is let, or will be, most lenders count a share of that rent toward your repayment capacity.
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Built for self-employed files
Most applicants here are business owners. We know which lenders read business income generously and which do not.
At a glance
Commercial Property Loan details
- Loan amount
- ₹10 lakh to ₹10 croreDriven by the lender's valuation, not the asking price
- Funding
- 55%–70% of property valueLower than a home loan; location and tenancy move it most
- Tenure
- Up to 15 yearsSome lenders stretch to 20 on strong files
- Processing fee
- [1%]Higher than a home loan
- Prepayment
- Nil on floating rate for individualsLoans in a company's name may be charged
- Tax treatment
- Interest is a business expenseDeductible against business income — different from home loan relief. Confirm with your accountant
Is this you?
Who this suits
- You are buying a shop, office, showroom or clinic — not residential property
- The unit has clear title, approved plans and a completion or occupancy certificate
- You can show two to three years of business income through filed returns
- You can fund 30% to 45% of the value yourself
Documents
What you will need
About the property
- Sale agreement and prior title chain
- Encumbrance certificate
- Approved building plan and commercial-use permission
- Occupancy or completion certificate
- Property tax receipts
- Existing lease or rent agreement, if let
About the business
- PAN, Aadhaar and photographs
- 3 years' ITR with computation of income
- Audited profit & loss account and balance sheet
- GST returns for the last year
- 12 months' current and savings account statements
- Business registration — GST, Shop & Establishment, or licence
We tell you which of these your lender actually wants before you gather anything.
Plan your EMI
What would it cost a month?
Move the sliders for an indicative EMI. Your actual rate depends on the lender, the property and your credit profile — this is a starting point, not a quotation.
EMI Calculator
Instant estimateYour monthly EMI
₹0
- Total interest
- ₹0
- Total payable
- ₹0
Indicative only. Your actual EMI depends on the lender, loan amount and credit profile.