Buy Commercial Property with Structured, Bank-Approved Funding
Shop Purchase Loan
A Shop Purchase Loan is a secured loan taken to buy a commercial shop for business or investment purposes. In simple terms, the bank funds your shop purchase, and the shop itself is kept as a collateral until the loan is repaid.
Key Features:
- Funding available up to 90% of registry value, subject to market value norms
- Helps to purchase new or resale commercial shops
- Loan eligibility depends on shop value, income, and credit score
- Top-up loans are possible after registry completion
- Interest rates usually range from 8.5% to 11%
- Repayment tenure typically 5 to 15 years
- Suitable for business owners, self-employed individuals, and investors
Office Purchase Loan
An Office Purchase Loan is a secured loan provided to purchase a commercial office space for business or investment use. The office property is mortgaged to the lender until full repayment.
Key Features:
- Used for new or resale commercial office spaces
- Under-construction projects can also be funded if approved
- The Office property itself acts as collateral
- Loan amount depends on property value, income, and credit profile
- Interest rates generally range from 8.5% to 11%
- Repayment tenure usually 5 to 15 years
- Available for salaried professionals, self-employed individuals, and business owners
Factory / Industrial Property Purchase Loan
A Factory Purchase Loan is a secured loan offered by banks and NBFCs to buy a manufacturing unit, factory premises, or industrial land. The factory property is mortgaged with the lender as security.
Key Features:
- Funding available up to 90% of registry value, subject to valuation norms
- Used to purchase new or existing factory / industrial units
- Factory property acts as collateral
- Loan eligibility based on factory value, business income, and credit profile
- Lower interest rates compared to unsecured business loans
- Interest rates typically range from 8.5% to 11%
- Repayment tenure generally 7 to 15 years
School Purchase Loan
A School Purchase Loan is a secured loan provided to purchase an existing school property or land/building meant for educational purposes. The school property is mortgaged to the lender until the loan is fully repaid.
Key Features:
- Funding available for running schools, new school construction, or school land
- Pre-nursery schools can also be funded
- School land and building are taken as collateral
- Loan amount depends on property value, cash flows, and credit profile
- Interest rates generally range from 9% to 12%
- Repayment tenure usually 5 to 15 years
- Suitable for educational trusts, societies, and school operators
Commercial Land Purchase Loan
A Commercial Land Purchase Loan is a secured loan used to buy land approved for commercial or business use. The land is mortgaged to the lender as security until the loan is repaid.
Key Features:
- Used to purchase land for factories, schools, offices, or commercial shops
- Only commercially approved land is eligible
- Land itself acts as collateral
- Loan eligibility depends on land value, income, and credit profile
- Interest rates typically range from 9.5% to 12%
- Repayment tenure generally 5 to 15 years
- Suitable for business owners, developers, and investors
Talk to Loan Experts to Plan Your Loan the Right Way
Assessment of the best interest rates and the optimal loan amount based on your profile
Clear understanding of how Loan Against Property works for timely and smooth execution
Detailed guidance on documentation required to improve approval chances
Avoid delays and rejections by knowing the right documentation banks look for in a Loan Application
Many Business Owners say, “We’ll directly speak with the bank.” Here is how working with loan experts helps you.
| People Financials | Banks |
|---|---|
| Best available interest rate in the Market | Bank offer only their standard rates with no customization |
| Customized Loan Terms as per requirement | Fixed Bank Terms and conditions |
| Zero pre-closure charges | Pre-closure charges available |
| Guidance from dedicated Loan Experts | Guided by multi-product sales person |
| Dedicated single point of contact | Frequent changes in Relationship Manager |
| Lifetime service at no extra cost | No after-sales service |
Why PeopleFinancials Is the
Trusted
Choice
for MSMEs
| People Financials | Other firms |
|---|---|
| CIBIL Guidance available | No CIBIL guidance provided |
| Good connection with Banks, Senior Management for smooth sanction | Very less connection with Senior Management team |
| Assistance in choosing a bank to resolve legal issues | No support for legal issues |
| 100% Support in selecting a Right loan product | Focuses on documentation |
| A qualified CA with 20 years of Banking experience, offering deeper financial understanding. | Basic finance knowledge and channel partners support |
| 89+ banks and financial institutions as channel partners | Depending from firm to firm, it varies |
Frequently Asked Questions
Commercial shops, offices, factories, schools, and approved commercial land.
Typically 60%–90% of registry value, subject to valuation and eligibility.
Property value, income or cash flow, credit profile, and legal clearance.
Interest rates range from 8.5%–12% with tenures of 5–15 years.
Yes, top-up loans may be available after registry or repayment history.
