DCT Multiservices LLP - Your Trusted Financial Partner
Office no 101,102 1st Floor,Mittal chamber building , jm road Shivaji Nagar 411005
manasbaranwal@gmail.com +91 8600143860

Commercial Property
Loan

Business Property Financing

Invest in Commercial Real Estate Today

Expand your business footprint with DCT Multiservices LLP's comprehensive commercial property loan solutions. Whether you're acquiring an office space, retail showroom, warehouse, or mixed-use development, we provide tailored financing options to help you secure the perfect commercial property.

Commercial properties offer excellent investment potential with steady rental income and capital appreciation. Our expert team understands the unique requirements of business property financing and ensures a smooth, hassle-free loan process with competitive rates and flexible repayment structures.

Finance Up to 70% of Property Value
Competitive Business Rates
Extended Loan Tenure Options
Quick Processing & Approval
Commercial Property Loan

Apply for Commercial Property Loan

Fill out the application form below to start your commercial property loan journey. Our business loan specialists will reach out within 24 hours with personalized assistance.

Key Features & Benefits

Discover why businesses trust DCT Multiservices for commercial property financing

High Loan Amounts

Access substantial funding up to 70% of the property value, with loan amounts ranging from ₹10 lakhs to ₹50 crores or more, depending on your business profile and property valuation.

Competitive Interest Rates

Benefit from attractive interest rates starting at 9.5% per annum. Both fixed and floating rate options available to match your business financial strategy and market outlook.

Extended Repayment Tenure

Choose from flexible repayment periods up to 20 years, allowing you to manage cash flow effectively while building business assets without financial strain.

Quick Processing

Fast-track approval process with minimal documentation. Most applications processed within 7-10 working days, ensuring you don't miss out on lucrative property opportunities.

Multiple Usage Options

Finance various commercial property needs - purchase, construction, renovation, expansion, or balance transfer from existing loans. One solution for all commercial property requirements.

Tax Benefits

Maximize business deductions by claiming interest payments as business expenses. Property depreciation can also be claimed, reducing your overall tax liability significantly.

Flexible Prepayment

Part-payment and full prepayment options available with minimal or zero charges on floating rate loans. Reduce your interest burden when business cash flows improve.

Multiple Lender Network

Access to over 25+ banks and NBFCs specializing in commercial property financing. We find you the best rates and terms matching your specific business requirements.

Asset Creation & Appreciation

Build tangible business assets while benefiting from property value appreciation. Commercial properties typically offer better returns compared to rental expenses over time.

Dedicated Relationship Manager

Personal advisory service throughout your loan journey - from application to disbursement and beyond. Expert guidance on property selection and legal compliance.

Commercial Property Types We Finance

We provide financing for diverse commercial property categories to meet various business needs

Office Spaces

Professional office environments for businesses of all sizes:

  • Standalone office buildings
  • Office units in commercial complexes
  • Co-working space properties
  • IT parks and SEZ units
  • Corporate office buildings
  • Business centers
  • Professional suites
  • Serviced office spaces
Retail Properties

Prime retail locations for customer-facing businesses:

  • Street-front shops and showrooms
  • Shopping mall units
  • Retail complexes and marketplaces
  • High-street commercial properties
  • Standalone retail buildings
  • Anchor store spaces
  • Food courts and restaurant spaces
  • Kiosk and counter spaces
Industrial & Warehouse Properties

Large-scale facilities for manufacturing and storage:

  • Warehouses and distribution centers
  • Manufacturing units and factories
  • Industrial sheds and plants
  • Cold storage facilities
  • Logistics parks
  • Industrial plots with structures
  • Processing units
  • Godowns and storage units
Hospitality Properties

Properties for tourism and hospitality businesses:

  • Hotels and resorts
  • Guest houses and lodges
  • Restaurants and cafes
  • Banquet halls
  • Conference centers
  • Service apartments
  • Tourism complexes
  • Commercial kitchen spaces
Mixed-Use Developments

Versatile properties combining multiple functions:

  • Commercial-residential complexes
  • Multi-purpose commercial buildings
  • Integrated townships with commercial zones
  • Mall with office spaces
  • Retail with residential upper floors
  • Commercial plazas
Special Purpose Properties

Specialized commercial properties for specific businesses:

  • Healthcare facilities and clinics
  • Educational institutions
  • Petrol pumps and service stations
  • Entertainment venues
  • Sports facilities and gyms
  • Diagnostic centers
  • Training institutes
  • Community centers
Important Note

The property must be approved by local authorities with proper building plans, occupancy certificates, and clear legal titles. Agricultural land converted to commercial use must have proper conversion certificates. Properties in disputed areas or with pending litigation are not eligible for financing.

Who Can Apply for Commercial Property Loan

Understanding eligibility helps you prepare a stronger application

Individual Business Owners

Individual entrepreneurs and professionals can apply for commercial property loans:

  • Self-employed professionals (Doctors, CAs, Architects, Consultants, Lawyers)
  • Sole proprietors with established businesses
  • Individual traders and merchants
  • Freelancers with consistent income proof
  • Resident Indians with valid business documentation
Partnership Firms

Registered partnership firms with multiple partners:

  • Partnership firms registered under Partnership Act
  • All partners must be co-applicants
  • Partnership deed must be submitted
  • Minimum 2 years of business operations required
  • Audited financial statements mandatory
Private Limited & Public Limited Companies

Incorporated companies registered with MCA:

  • Private Limited Companies (Pvt Ltd)
  • Public Limited Companies (Ltd)
  • Must have Certificate of Incorporation
  • MOA and AOA required
  • Board resolution for loan application needed
  • Directors to be guarantors
Limited Liability Partnerships (LLP)

LLPs registered under LLP Act 2008:

  • LLP registration certificate required
  • LLP agreement must be submitted
  • Designated partners must be co-applicants
  • Minimum 2 years of operational history
  • Audited financials and ITR mandatory
NRIs and Foreign Entities

Non-resident Indians and foreign companies (subject to RBI guidelines):

  • NRI individuals with valid Indian business operations
  • Foreign companies with Indian subsidiaries
  • Must comply with FEMA regulations
  • Additional documentation required
  • Local guarantor may be needed
General Requirements
Business Vintage: Minimum 2-3 years of profitable business operations
Financial Stability: Consistent revenue and profitability track record
Credit Score: Good business and personal credit history (CIBIL 700+)
Legal Compliance: All registrations, licenses, and tax filings up to date
Important Note

Co-applicants and guarantors may be required depending on loan amount and business profile. For companies and LLPs, directors/partners must provide personal guarantees. The property being financed will be mortgaged to the lender until loan repayment completion.

Eligibility Criteria for Commercial Property Loan

Multiple factors determine your loan eligibility and the amount you can borrow

Age Requirements

Minimum Age: 21-25 years at the time of loan application

Maximum Age: 65-70 years at loan maturity

For Companies/LLPs: Age of directors/partners considered

Note: Younger applicants get longer tenures. If you're 50 years old with retirement at 65, maximum tenure available is 15 years.
Business Vintage & Stability

Years in business operation matters:

  • Minimum 2-3 years of business operations
  • Consistent profitability track record
  • Established customer base and market presence
  • Registered business entity with proper licenses
  • Compliance with all regulatory requirements
Income & Turnover

Financial performance criteria:

  • Minimum annual turnover: ₹25-50 lakhs (varies by lender)
  • Consistent revenue growth pattern
  • Healthy profit margins maintained
  • Regular income sufficient for EMI payments
  • Strong balance sheet with positive net worth
Credit Score & History

Your creditworthiness is crucial:

  • Minimum CIBIL score: 700+ (750+ preferred)
  • Clean repayment history on existing loans
  • No defaults or settlements in credit history
  • Limited credit inquiries in recent months
  • Low credit utilization ratio
  • No pending litigations or disputes
  • Timely payment of business obligations
  • Clean tax payment record (GST, Income Tax)
Debt Service Coverage Ratio (DSCR)

Repayment capacity assessment:

  • Minimum DSCR of 1.25-1.5 required
  • Formula: Annual Income ÷ Annual Debt Obligations
  • Higher DSCR increases loan approval chances
  • Existing loan EMIs considered in calculation
  • Business cash flows should comfortably cover EMI
Financial Documentation

Complete financial records required:

  • Last 3 years audited financial statements
  • Income Tax Returns (business & personal)
  • Bank statements for 12 months
  • GST returns and registration
  • Projected financials and business plan
Property Related Eligibility
Property Location: Must be in approved municipal areas with clear development plans and infrastructure
Clear Title: No legal disputes, encumbrances, or ownership issues on the property
Approvals: All necessary approvals from local authorities, occupancy certificate, completion certificate
Property Age: For existing properties, age should typically be less than 20-25 years
Loan-to-Value (LTV) Ratio

Standard LTV: Up to 65-70% of property value

Premium Clients: May get up to 75% LTV

Calculation: Based on lower of agreement value or market valuation

Down Payment: 25-35% from own sources required

Example: For ₹1 Crore property, loan up to ₹70 lakhs

Note: Higher down payment may get better interest rates

Improving Your Eligibility
  • Maintain strong business financials for 3+ years
  • Improve credit score above 750
  • Reduce existing debt obligations
  • Show consistent revenue growth
  • Add co-applicants with good income
  • Offer higher down payment
  • Choose property in prime location
  • Provide additional collateral if needed

Required Documents

Keep these documents ready for smooth loan processing

KYC Documents

Identity Proof (any one):

  • PAN Card (mandatory for all applicants)
  • Aadhaar Card
  • Passport
  • Voter ID Card
  • Driving License

Address Proof (any one):

  • Aadhaar Card
  • Passport
  • Latest utility bills (electricity, gas)
  • Bank statements
  • Property tax receipts
Business Registration Documents

As applicable to your business type:

  • Business registration certificate
  • Partnership deed (for partnerships)
  • Certificate of Incorporation (for companies)
  • MOA & AOA (for Pvt/Public Ltd)
  • LLP Agreement (for LLPs)
  • GST Registration certificate
  • Shop & Establishment license
  • Trade license / Professional license
Financial Documents
  • Last 3 years audited financial statements (Balance Sheet & P&L)
  • Income Tax Returns (business & personal) - 3 years
  • Business bank statements - 12 months
  • Personal bank statements - 6 months
  • GST returns - last 12 months
  • Computation of income
  • TDS certificates
  • CA certified financials
Business Profile Documents
  • Business profile and history
  • Details of business operations
  • List of major clients/customers
  • Product/Service brochures
  • Business premises proof
  • Details of existing loans/liabilities
  • Sanction letters of existing loans
  • Stock statements (if applicable)
Property Documents
  • Sale agreement / MOU
  • Previous sale deeds (complete chain)
  • Encumbrance certificate (13-30 years)
  • Approved building plan
  • Occupancy certificate / Completion certificate
  • Commencement certificate
  • NOC from builder/society
  • Property tax receipts (last 3 years)
  • 7/12 extract (for land)
  • Index II and Property card
  • Layout plan and location map
  • Environmental clearance (if required)
  • Fire NOC (for commercial buildings)
  • Current property valuation report
Additional Documents (if applicable)
  • Board resolution (for companies)
  • Directors/Partners KYC
  • Personal guarantee documents
  • Collateral documents
  • Existing loan closure NOC
  • Insurance policies (if any)
  • Power of attorney (if applicable)
  • Rent agreement (if property rented)
  • Processing fee payment proof
  • Passport size photographs
  • NRI documents (if applicable)
  • Project report for new ventures
Document Submission Guidelines
  • Submit both originals and self-attested copies
  • All documents must be current and valid
  • Ensure documents are clear and legible
  • Financial statements must be audited and certified
  • Property documents should be complete with no gaps
  • All pages of multi-page documents required
  • Signatures must match across all documents
  • Our team will verify documents before bank submission

Frequently Asked Questions

Find answers to common questions about commercial property loans

Commercial property loans are specifically designed for purchasing or constructing properties used for business purposes like offices, shops, warehouses, or industrial units. Unlike home loans which are for residential properties, commercial property loans typically have higher interest rates (9.5-12% vs 8-9%), lower loan-to-value ratios (65-70% vs 80-90%), and shorter maximum tenures (15-20 years vs 25-30 years). The property must be used for business activities, and the loan can be taken by individuals, partnerships, companies, or LLPs. Tax benefits also differ - commercial loan interest is treated as business expense rather than personal deduction.

The loan amount depends on multiple factors: property value (typically 65-70% LTV), your business income and cash flows, existing liabilities, credit score, and business vintage. Most lenders offer commercial property loans ranging from ₹10 lakhs to ₹50 crores or more. For example, if the property is valued at ₹1 crore, you can typically get a loan of ₹65-70 lakhs, requiring you to arrange ₹30-35 lakhs as down payment. Your loan eligibility also depends on your Debt Service Coverage Ratio (DSCR) - your annual income should be at least 1.25-1.5 times your annual debt obligations including the new EMI.

Yes, absolutely. In fact, commercial properties purchased for rental income are quite common and most lenders are comfortable financing such properties. You'll need to show that the rental income (actual or projected) can support the loan EMI payments. Many lenders will consider 70-80% of the rental income while calculating your loan eligibility. You may need to provide existing rental agreements or market rental rates for similar properties in the area. Some lenders might require a post-dated rental agreement. The rental income makes your loan application stronger as it demonstrates an additional income source specifically tied to the property being financed.

The processing time for commercial property loans typically ranges from 2-4 weeks, depending on the completeness of documentation and property verification. The process involves: application submission (1-2 days), initial assessment (2-3 days), property and legal verification (7-10 days), technical valuation (3-5 days), credit appraisal (2-3 days), and final approval and disbursement (2-3 days). Having all documents ready and choosing properties with clear titles can significantly speed up the process. At DCT Multiservices, we expedite the process by pre-screening documents and coordinating with lenders, often getting approvals within 7-10 working days for straightforward cases.

Commercial property loans offer significant tax advantages for businesses. The entire interest paid on the loan is deductible as a business expense under the Income Tax Act, reducing your taxable business income. Additionally, you can claim depreciation on the commercial property (typically 10% per annum for buildings), further reducing tax liability. If the property is used for business purposes, property tax and other maintenance expenses are also deductible. For properties generating rental income, expenses related to property maintenance, repairs, and loan interest can be offset against rental income. These tax benefits can substantially reduce your effective borrowing cost. However, tax laws are complex and change periodically, so we recommend consulting with your CA or tax advisor for specific guidance based on your situation.

Yes, balance transfer or loan refinancing is available for commercial property loans. If you're getting a better interest rate elsewhere (typically 0.5-1% lower makes it worthwhile), you can transfer your loan. The new lender will pay off your existing lender and take over the mortgage. Consider the costs involved: processing fees (typically 0.5-1% of loan amount), legal charges, property valuation fees, and any prepayment penalty from your current lender. Most refinancing makes sense if you have a substantial outstanding amount and significant remaining tenure. At DCT Multiservices, we help you evaluate if balance transfer is beneficial by calculating the break-even point and can facilitate the entire transfer process seamlessly with our network of lenders.

If you face difficulty in repaying your commercial property loan, it's crucial to communicate with your lender immediately rather than defaulting. Options available include: restructuring the loan with extended tenure to reduce EMI, temporary EMI moratorium during business difficulties, part-payment to reduce outstanding and EMI burden, or converting to interest-only payments for a period. If you continue to default, the lender will classify your account as NPA (Non-Performing Asset) after 90 days, which severely impacts your credit score. The lender can invoke the SARFAESI Act to take possession of the mortgaged property and auction it to recover dues. Personal guarantors will also be held liable. This is why proper financial planning and maintaining adequate reserves for 6-12 months of EMI payments is recommended. We advise all our clients to opt for loan protection insurance to cover such contingencies.
DCT Multiservices LLP - Your Trusted Financial Partner

Our Office

Office no 101,102 first floor Mittal chamber building near Panchali hotel jm road Shivaji Nagar 411005

+91 8600143860

+91 7030143860

manasbaranwal@gmail.com

sales@dctfinmultiservices.com

backoffice@dctfinmultiservices.com

manas@dctfinmultiservices.com

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