Loan Tools to Plan Your Commercial Asset Purchase
Check what you may be eligible to borrow, understand your credit score, and compare indicative EMI across 11 leading banks and NBFCs — all in one place.
Estimate Your Loan Eligibility
A quick, indicative read on how much you may be able to borrow, based on your income and existing obligations.
Understand Your CIBIL Score
Your credit score is one of the biggest levers on both loan approval and the interest rate you're offered. Here's what the bands mean and how to check yours for free.
What Each Band Typically Means
750+ (Excellent): Strongest negotiating position — typically the lowest rates on offer and the smoothest approval process.
700–749 (Good): Generally approved by most lenders at competitive, though not always the lowest, rates.
650–699 (Fair): Approval is still possible but lenders may price in more risk — expect a higher rate, a lower loan-to-value cap, or a request for a co-applicant.
Below 650: Harder to get approved through standard channels; strengthening the application with a co-applicant, additional collateral, or first improving the score is usually the practical path.
Payment History
The single biggest factor — on-time payments across all existing credit matter most.
Credit Utilization
How much of your available credit (especially credit cards) you're actually using — lower is better.
Length of Credit History
Older, well-managed credit lines help; closing your oldest accounts can actually hurt your score.
Credit Mix
A healthy mix of secured (loans) and unsecured (cards) credit is viewed favourably.
New Credit Inquiries
Multiple loan or card applications in a short window can temporarily lower your score.
Report Accuracy
Errors in your credit report can drag your score down unfairly — worth checking periodically.
Check Your Score for Free
Under RBI rules, every credit bureau operating in India is required to give you one free full credit report each calendar year. You can also check your score directly with each bureau:
- CIBIL (TransUnion CIBIL) — India's most widely referenced score by banks
- Equifax India
- Experian India
- CRIF High Mark
We don't pull or store your credit score on this site. If you'd like help interpreting your report or preparing your loan application, our finance desk is happy to assist — see the enquiry form below.
EMI Calculator & Lender Comparison
Enter your loan amount and tenure to see an indicative EMI, and compare rates across 11 lenders.
| Lender | Type | Rate Range | Est. EMI (at min rate) | Est. EMI (at max rate) |
|---|
Know Before You Borrow
A few factors that affect every commercial property loan, beyond the headline interest rate.
FOIR / Debt-to-Income Ratio
Lenders typically cap your total EMIs (existing + new) at roughly 50–65% of monthly income — this is usually the real ceiling on eligibility, not just the interest rate.
Loan-to-Value (LTV) Ratio
Commercial property loans usually fund 60–75% of the property's assessed value — you'll need to fund the balance plus stamp duty and registration yourself.
Processing Fees & Charges
Typically 0.35%–1.5% of the loan amount plus GST, varying by lender — factor this into your upfront cost, not just the EMI.
Prepayment / Foreclosure Charges
Floating-rate loans to individuals are generally prepayment-charge-free under RBI norms, but business-entity and fixed-rate loans may carry charges — check the sanction letter.
Documents You'll Need
KYC, income proof (salary slips or ITR/GST returns), bank statements, business vintage proof (if self-employed), and clean property title documents including RERA registration.
Adding a Co-Applicant
A co-applicant's income can meaningfully raise your eligible loan amount and, in some cases, improve the rate offered.
Business Vintage
Self-employed and business-entity applicants usually need 2–3 years of business continuity and filed returns to qualify.
Compare the KFS, Not the Brochure
The Key Fact Statement shows the true effective APR including fees — always compare this figure across lenders, not just the advertised starting rate.
Get Help With Your Loan Application
Share a few details and our team will help you compare options and prepare your application — we don't charge for this guidance.
- Guidance across banks & NBFCs, not tied to one lender
- Help assembling your document checklist
- Your data is kept confidential — see our Privacy Policy