HDFC Sales Commercial Property Loan

HDFC Sales Commercial Property Loan caters to a wide range of business needs, from purchasing new office spaces and shops to expanding existing facilities or even acquiring land for development. This loan empowers entrepreneurs, investors, and established businesses alike to unlock their potential and secure a physical foothold for their dreams.

HDFC Sales Commercial Property Loan Highlights

HDFC Commercial Property Loan Features

• Multiple Loan Options: Choose from tailor-made loan options for specific needs, including loans for the purchase of offices, shops, showrooms, warehouses, and even land development.
• Top-up Facility: Access additional funds during your loan term to cater to unforeseen expenses or business growth opportunities.
• Prepayment Flexibility: Prepay your loan partially or fully without any penalty for floating rate loans.
• Balance Transfer: Transfer your existing commercial property loan from another bank to HDFC Sales at competitive rates and enjoy additional benefits.

HDFC Sales Commercial Property Loan Interest Rates 

Interest rates start at 8.75% p.a. and are subject to factors like loan amount, tenure, property type, and borrower profile. For a personalized quote, contact HDFC Sales or utilize their online loan eligibility calculator. 

HDFC Sales Commercial Property Loan Eligibility Criteria

• Salaried Individuals: Minimum net monthly income of Rs. 40,000 and stable employment history.
• Self-Employed Professionals: Minimum annual income of Rs. 6 lakhs and established business track record.
• Business Entities: Registered companies, partnerships, or limited liability partnerships with strong financials.

HDFC Sales Commercial Property Loan Benefits and Features

• Lower EMIs: Longer repayment terms allow for manageable monthly installments, easing your cash flow burden.
• Tax Benefits: Enjoy tax deductions on interest paid on your loan, as per applicable income tax laws.
• No Hidden Charges: Transparent fees and charges ensure you know exactly what you’re paying for.
• Additional Services: Access value-added services like property valuation assistance and legal documentation support.

HDFC Sales Commercial Property Loan Documents Required

The required documents may vary depending on your profile and loan amount. However, some common documents include:

• KYC documents (PAN Card, Aadhaar Card, etc.)
• Income proof (Salary slips, Income Tax Returns)
• Business financials (for self-employed)
• Property documents

HDFC Sales Commercial Property Loan Processing Fees and Other Charges

Processing fees typically amount to up to 1.5% of the loan amount, with a minimum of Rs. 4,500. Other charges, like prepayment penalties and late payment fees, may also apply.

HDFC Sales Commercial Property Loan for Salaried Person

Salaried individuals enjoy simplified eligibility criteria and faster processing times for commercial property loans. Attractive interest rates and flexible repayment options cater specifically to their income profiles.

HDFC Sales Commercial Property Loan for Self-Employed

Self-employed professionals can leverage tailored loan options based on their business income and financial stability. Dedicated support and flexible repayment structures ensure a smooth borrowing experience.

HDFC Sales Commercial Property Loan: Terms and Conditions 

It’s crucial to carefully review the terms and conditions of your loan agreement before signing. This includes understanding the interest rate, repayment schedule, prepayment penalties, and any other relevant clauses.