Commercial Housing Loan

Facility:                        Term Loan

Eligibility:                     Individuals, Firms, Private Limited/Limited Companies, Societies, Trusts.

Age of the borrower: Between 21 years to 60 years 


For construction of Commercial Building/Offices or for purchase of existing Commercial Houses, Flats for Self or for rental purpose.

Security :

Equitable Mortgage of House/Flat in urban areas unencumbered with clear title whose value should not be less than 200% of the loan amount (on completion).

Rate of Interest:        11.00% PA         

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Loan Limit:                  Maximum Rs.500.00 Lacs

Interest method:        Diminishing Method

Guarantor:                  Government Employee/ I.T Assessee


Repayable in 180 months from the date of completion of moratorium period or completion of building whichever is earlier.


Margin should be invested by the borrower @ 40% of the total building cost and bank loan will be restricted to 60%.

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Basic Documents:                 

» KYC documents of Borrowers and Guarantors.

» Copies of IT returns for last 3 years

» A/c statement for last one year.

» Title Deeds of the property offered as security.

» Other Documents As required.

Processing Fees:                Nil

Terms & Conditions:         As per Bank’s Loan Policy.

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