Commercial Property Loan
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₹500+ Cr
Loans Disbursed
50+
Banking Partners
500+
Happy Families
25+ Years
of Excellence
Finance Your Dream Home With The Right Funding Solutions.
Aadhya Financial Consultancy helps home buyers secure the right home loan solutions through a strong network of banks and NBFCs across India. Backed by deep financial expertise and personalised guidance, we help clients identify the right funding structure based on their profile while managing the complete process from consultation and documentation to final disbursement.
Commercial Property Loan Eligibility
Commercial Property Loan eligibility is assessed based on the applicant’s financial profile, property type, and overall funding requirements. We work with salaried individuals, self-employed professionals, companies, and business entities across office spaces, retail premises, warehouses, and other commercial property types, helping them identify suitable funding solutions based on their financial profile.
Age
- Applicants must be between 21–65 years at loan maturity.
- Salaried: 21–58 years
- Self-Employed: 25–65 years
Income
- Salaried Person – Minimum Rs. 10,000 per month
- Self-Employed Person—Minimum Rs. 2,00,000 per year
Employment
- Salaried: 2–3 years experience
- Self-Employed: 3+ years experience
Commercial Property Loan Types
Owner-Occupier Commercial Loan
Funding solutions for business owners purchasing commercial property for their own operational use. We help identify lenders best suited for owner-occupier requirements and structure financing aligned with business stability and cash flow planning.
Commercial Property Investment Loan
Designed for individuals and entities investing in commercial real estate for rental income, long-term appreciation, or portfolio diversification. We structure financing based on income potential, investment strategy, and overall financial profile.
Corporate Commercial Property Loan
Tailored funding solutions for companies and firms acquiring commercial property for operational or strategic expansion. Assessment is based on business financials, balance sheet strength, and property viability to ensure the most suitable funding structure.
| A | Sr.No. | Mandatory Documents | ||
|---|---|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) | |||
| B | Sr.No. | Description of Officially Valid Documents (OVD) | Identity Proof | Address Proof |
| 1 | Passport, the validity of which has not expired. | ✔ | ✔ | |
| 2 | Driving license which has not expired. | ✔ | ✔ | |
| 3 | Election /Voters identification card | ✔ | ||
| 4 | Job card issued by NREGA | ✔ | ||
| 5 | Letter issued by the National Population Register | |||
| 6 | Proof of possession of Aadhaar Number | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Last 3 months’ Salary Slips | |||
| Last 6 months’ Bank Statements, showing salary credits | |||
| Latest Form-16 and IT returns | |||
| Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA) | |||
| At least last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA) | |||
| Last 12 months’ Current A/c Statements of the business entity and Savings Account Statements of the individual |
For Purchase of a New Home
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Copy of the Allotment Letter / Buyer Agreement | |||
| Receipt/(s) of payment/(s) made to the developer |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Own Contribution Proof | |||
| Employment Contract / Appointment Letter in case current employment is less than year old | |||
| Last 6 months’ Bank Statements showing repayment of any ongoing loans | |||
| Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across. | |||
| Cheque for processing fee favouring HDFC Bank | |||
| Business Profile | |||
| Latest Form 26 AS | |||
| List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company | |||
| Memorandum and Articles of Association of the Company | |||
| Partnership deed in case of the business entity being a partnership firm | |||
| Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc. | ✔ | ✔ |
Documents for Commercial Property Loan Application
Documentation requirements vary depending on whether the applicant is an individual or a business entity. Typically, individuals require KYC, income proof, and property documents, while businesses additionally require ITR, audited financial statements, GST registration, and business proof. Aadhya Financial Consultancy provides complete guidance on documentation and ensures the application is well-prepared and accurately positioned before submission.
Commercial Property Loan Calculator
Use our Commercial Property Loan Calculator to estimate your EMI and plan your commercial property acquisition with clarity. Enter your loan requirement, indicative repayment structure, and tenure preference to understand your monthly obligation and evaluate how the financing aligns with your financial plan.
Make Your Commercial Property Acquisition Simple and Structured.
Share your property details and funding requirements with Aadhya Financial Consultancy. We will assess your profile, identify suitable funding solutions from our network of banks and NBFCs, and guide you through a smooth, well-structured approval process with complete end-to-end support.
