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- Loan up to ₹1 Crore
- Tenure of up to 20 years
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- Fast And Easy Process
- Minimum Documentation
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Highlights
Apply for a Commercial Property Purchase Loan Today!
CreditCares offers Commercial Property Purchase Loans starting from 8.35% per annum, with repayment terms of up to 15 years. Designed for business owners and entrepreneurs, this loan helps you buy offices, shops, showrooms, warehouses, or other commercial spaces for business expansion or investment. We partner with over 50 banks and NBFCs to bring you the most competitive interest rates and flexible repayment plans. The process is simple, with minimal documentation and quick loan approval. With up to 75% of the property value financed, you can secure ownership of prime commercial property without straining your business cash flow. CreditCares makes it easy to acquire the right space for your enterprise, helping you invest confidently in your business future.
Commercial Purchase Details
Commercial Property Purchase Loan Interest Rates in India (2025)
Our Commercial Purchase loan interest rates range from 8.35% to 12.50% p.a. Rates may vary depending on the loan amount, property type, and the borrower’s credit profile. Lenders also consider factors such as property valuation, repayment capacity, location, and intended use of the property while determining the applicable commercial purchase loan interest rate.
Eligibility Criteria for Commercial Purchase
In addition to the above eligibility criteria, banks and NBFCs may also assess the credit history, property details, and business profile of applicants while evaluating their Commercial Purchase loan eligibility.
Documents Required for Commercial Purchase
Here is the list of documents required by banks for availing Commercial Purchase:
- Passport (optional)
- Driver’s license
- Aadhar card*
- Voter ID card
- PAN card*
- Utility bills (electricity, water, gas)*
- Deed
- Mother Deed
- Khazna
- Porcha
- Sanction Plan
- Tax Bill
- GST registration certificate.
- Partnership deed (for partnerships business)
- Memorandum and Articles of Association (for companies)
- Trade license
- Shop and Establishment certificate
- Udyam certification with annexure
- GST certificate
- Business bank statements
- Income tax returns of the business
- GSTR 3b
- Audited financial statements (Profit and Loss statement, Balance Sheet)
- Business income proof (such as sales invoices, contracts, or revenue statements)
- Passport-sized photographs
- References
- Any additional documents requested by the lender
- Having a co-applicant is mandatory.
- In certain cases, having a woman co-applicant is also mandatory.
- A co-applicant can be a spouse or any first blood relative, such as parents, siblings, or children who have attained the age of maturity (subject to the income-ownership grid).
- All co-owners of the property must be part of the loan structure.
- Friends cannot be co-applicants unless they are coming in the capacity of partners, directors, or shareholders.
What We Do?
At CreditCares, we are your trusted Commercial Purchase loan DSA, committed to making commercial property financing simple and hassle-free. Our experienced team acts as a reliable DSA for commercial purchase loans, guiding you through every step—from evaluating your property requirements to securing the best rates from leading banks and NBFCs. As a premier DSA for commercial loans, we ensure our clients receive competitive offers and a smooth application experience.
We take pride in our role as a leading Commercial Purchase loan DSA by providing expert guidance and personalized support. Whether you’re looking to acquire a new office, shop, showroom, or warehouse, our team excels as a dedicated DSA for commercial loans. Trust CreditCares as your preferred Commercial Purchase DSA partner and enjoy a hassle-free process that helps you secure the right property for your business growth.
Our Happy Clients
Frequently Asked Questions
A Commercial Purchase Loan is a financing option that helps business owners, entrepreneurs, and self-employed professionals purchase commercial properties such as offices, shops, showrooms, or warehouses. The loan can cover a portion of the property’s value, allowing you to acquire the asset without straining your business cash flow.
Most banks and NBFCs offer loans ranging from a few lakhs up to ₹100 crore, depending on factors like the borrower’s profile, property type, location, and lender policies.
Repayment tenures generally range from 5 to 15 years. Some lenders may offer extended tenures up to 20 years based on borrower eligibility and loan amount.
Yes, NRIs may be eligible for commercial purchase loans, subject to lender-specific policies and documentation requirements.
Commonly required documents include identity proof, address proof, income proof (salary slips, bank statements, or business financials), property documents, and PAN card. Lenders may request additional documents depending on the borrower and property type.