Home / Commercial Property Loans / Commercial Purchase Loan
Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Buy commercial premises with structured finance.
Acquire ready offices, shops or industrial galas — for your own operations or as an investment — with purchase finance that covers most of the contract value.
Up to 70%
Of purchase value financed
₹1–100 Cr
Ticket size
Up to 15 yrs
Tenure
Overview
Stop paying rent to someone else's asset
Purchase loans fund up to 70% of the lower of agreement value or bank valuation. For self-use buyers, the EMI replaces rent; for investors, expected rentals strengthen the eligibility math.
We check builder / seller title and OC status before you commit, so the deal doesn't die in legal at the last moment.
At a glance
FundingUp to 70% of agreement / valuation
BuyersSelf-use & investment
TenureUp to 15 years
Watch forOC status & title of the seller
Who is eligible?
- Businesses & professionals with 3 years' income record
- Property with clear title and occupancy certificate
- Margin money of 30%+ available
- EMI within FOIR norms on assessed income
- CIBIL 700+ preferred for bank pricing
Documents you'll need
- Agreement to sell / allotment letter
- Seller's title chain & OC
- 3 years' ITR & financials
- 12 months' bank statements
- KYC of buyers
Found the right premises to buy? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility