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1800-270-7000
aditya birla housing finance limited
ABC सॉल्यूशंस
हमारा परिचयAbout Us & Used For
Looking to buy commercial property for your business or investment? Commercial Property Purchase Loan (CPPL) helps you acquire office space, retail shops, showrooms or commercial units with structured financing and competitive interest rates.
Whether you are expanding operations or investing in commercial real estate, our loan solutions are designed to support your growth
This loan helps you convert business rental expenses into asset ownership while building long-term capital appreciation
A Commercial Property Purchase Loan is a financing solution that enables businesses and self-employed individuals to purchase:
- Ready-to-move commercial property
- Office spaces in commercial complexes
- Retail shops and showrooms
- Land for construction of commercial premises
Key Features & Benefits
✔ Interest rates starting from 8.85%*
✔ Flexible Loan Tenure - Repayment tenure of up to 15 years
✔ High Funding Support - Up to 70% of the purchase price or loan eligibility (whichever is lower)
Eligibility
To qualify for Commercial Property Purchase, applicants must meet the following criteria:
General Criteria:
For Salaried Individuals:
- Minimum Monthly Income: INR 25,000
- Work Experience Requirement: – At least 3 years in employment
- CIBIL Score: 675 & above (NTC cases also considered)
For Self-Employed Professionals & Business Owners:
- Minimum Annual Income: – INR 3 lakh per annum
- Business Vintage: – Minimum 3 years of stable business operations
- CIBIL Score: 675 & above (NTC cases also considered)
Eligible Properties:
- Ready commercial property (shop , offices , franchise , outlets)
- Rented or leased properties
- Ready for possession commercial premises
- Funding at 50% and above construction stage
- Stage wise disbursement
Note: Loan eligibility is subject to property valuation and submitted documentation.
Final eligibility depends on income assessment, property valuation, and credit profile.
Step By Step Guide
Apply for a Commercial Property Loan Today
Take the next step towards owning your business space. With competitive interest rates, structured repayment options, and trusted expertise, Aditya Birla Housing Finance helps you invest in commercial property with confidence. Applying for a CPP with ABHFL is a simple and hassle-free process.
Step-by-Step Guide: How to Apply for a Commercial Property Purchase?
Follow these steps to get started:
1. Check Your Eligibility
Ensure you meet the income, employment/business vintage, and CIBIL score criteria. Use our Loan Eligibility Calculator to determine the loan amount you qualify for.
2. Gather Required Documents
Identity & Address Proof – Aadhaar, PAN, Passport, or Voter ID Income Proof – Salary slips (last 3 months) or ITR (last 2 years for self-employed) Bank Statements – Last 6 months’ salary or business transaction history Property Papers – Ownership documents and approved sanction plan
3. Submit Your Application
Apply online through the ABHFL portal or visit a nearby branch. A Relationship Manager will assist you.
4. Property Evaluation & Loan Processing
ABHFL verifies your property details, legal status, and market value. Your loan application is reviewed based on eligibility and submitted documents.
5. Loan Approval & Disbursement
Once approved, the loan amount is disbursed directly to your bank account. You can start repaying through flexible EMI options based on your tenure preference.
Estimated Processing Time
: Loan processing usually takes 5–10 working days, based on documentation and property evaluation.
डॉक्यूमेंटेशन
To apply, you will typically need:
Identity & Address Proof
- KYC Documents – Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License
- Address Proof – Latest utility bill (electricity, water, or gas) not older than 3 months
आय का प्रमाण
- For Salaried Individuals – Latest 3 months’ salary slips, 6 months bank statements (salary credited account) and Form 16 or ITR for the last 2 years
- For Self-Employed Professionals & Business Owners – Income Tax Returns (ITRs) & financial statements for the last 2 years; 6 months’ bank statements (business and personal)
Business & Employment Proof
- For Self-Employed & Business Owners – Business Registration Certificate. GST returns, Profit & Loss statements
- For Salaried Individuals – Employment letter or employer confirmation (if required)
प्रॉपर्टी के डॉक्यूमेंट
- Copy of Property Papers – Title deed, Sale deed, or any other ownership documents
- Approved Sanction Plan – Required for property evaluation
अक्सर पूछे जाने वाले प्रश्न
- Ready commercial property (shop , offices , franchise , outlets)
- Rented or leased properties
- Ready for possession commercial premises
- Funding at 50% and above construction stage
- Stage wise disbursement
This loan is ideal for:
- Salaried – Investment Purpose, Business setup , Portfolio diversification
- Self-Employed Professionals (SEP) – Doctors, CAs, Architects, Consultants, etc.
- Self-Employed Non-Professionals (SENP) – Traders, Business Owners, Entrepreneurs
- CIBIL Score of 700 or above
Investing in commercial real estate offers:
- Stable long-term asset creation
- Rental income potential
- Business expansion opportunities
- Potential tax efficiencies
- Hedge against rising rental costs
With a structured commercial real estate loan, you can optimise liquidity while building tangible assets for your business.
फीस और अन्य शुल्क
ट्रांज़ैक्शन और शुल्क
0.25% onwards of the loan amount plus applicable GST, may vary depending upon the risk profile of the customer.
1. सह-उधारकर्ताओं के साथ या उसके बिना, व्यक्तिगत उधारकर्ताओं को स्वीकृत फ्लोटिंग दर पर टर्म लोन:
- बिज़नेस के उद्देश्य के अलावा - शून्य.
- Loan for business purpose up to 50 lakhs* – NIL.
- Loan for business purpose above 50 lakhs* – 4 % of principal outstanding.
2. Floating rate term loan sanctioned to Micro and Small Enterprises (MSEs) borrowers, with or without co-borrowers(s):
- Other than business purpose* – NIL.
- Loan for business purpose up to 50 lakhs*- NIL.
- Loan for business purpose above 50 lakhs* – 4 % of principal outstanding.
3. Floating rate term loan sanctioned to non-individual borrowers other than MSE borrowers:
- Housing Loan – NIL
Non-housing Loan - 4% of principal outstanding
4. Fixed interest rate housing loan given to Individual/ Non-individual borrowers:
- अपने स्रोतों से बंद करना - शून्य
अन्य स्रोतों से बंद करना – बकाया मूलधन का 2%
5. Fixed interest rate non-housing loans (LAP/LRD/CP/GPL/Top-up) given to Individual/Non-Individual borrowers (closed from own/other source): 4% of principal outstanding
स्पष्टीकरण:
1. In case of Semi-Fixed Loans (fixed for initial period and then floating), the Foreclosure/ Part payment norms will be applicable as per the status (fixed/floating) of the loans as on that particular day.
2. “Own sources” means any source other than by borrowing from a bank/ HFC/ NBFC and/or a financial institution.
3. “Fixed rate loan” means a loan where the Rate of Interest is fixed either for a particular period or for entire duration of the loan.
4. “Business purpose loan” shall mean:
- Loan against any property/ Top up loans availed for Business use such as working capital, business debt consolidation, repayment of business loans, expansion of business, acquisition of business asset,
- Loan for purchase/ renovation/ construction/ extension of Non-residential property,
- लीज़ रेंटल डिस्काउंटिंग.
5. “Micro and Small Enterprises (MSEs) borrowers” shall have the same meaning as defined in Micro, Small and Medium Enterprises Development (MSMED) Act, 2006
* Applicable for all Loans sanctioned or renewed on or after January 01, 2026.
| दंड शुल्क: | |
|---|---|
| विलंब भुगतान शुल्क | वर्तमान लागू ब्याज दर से 12% प्रति वर्ष अधिक (लागू कानूनों के अनुसार, कुल 24% प्रति वर्ष प्लस GST से अधिक नहीं) |
| टाइटल डॉक्यूमेंट/सिक्योरिटी परफेक्शन डॉक्यूमेंट/मॉरगेज डीड/MCA के साथ प्रभार निर्माण (जहां भी लागू हो) जैसे महत्वपूर्ण पोस्ट डिस्बर्समेंट डॉक्यूमेंट जमा नहीं करना या किसी भी नियम और शर्तों, ज़िम्मेदारी और अनुबंध का पालन न करना, जैसा कि जमा करने की निर्धारित तिथि के भीतर लोन एग्रीमेंट/सैंक्शन लेटर में परिभाषित किया गया है. | ₹ 3000/- प्रति माह |
| चेक बाउंसिंग शुल्क/NACH विफलता शुल्क/बाउंस शुल्क | ₹ 750/- प्रति घटना |
| जहां भी मौजूदा मैंडेट अमान्य/निष्क्रिय/बैंक अकाउंट बंद होना या फ्रोज़न/अन्य तकनीकी समस्या है, वहां 30 दिनों की अवधि के लिए संशोधित NACH / ECS डेबिट मैंडेट रजिस्ट्रेशन जमा न करना | सिक्योर्ड लोन के मामले में ₹ 1000/- प्रति माह |
₹ 750/- प्रति इंस्टेंस प्रति लोन अकाउंट
जैसा वास्तविक विलंबित स्थिति के आधार पर लागू हो या जैसा समय-समय पर लेंडर द्वारा सूचित किया जाए
CERSAI charges (You may visit the website of CERSAI for all such charges at www.cersai.org.in)
जब फैसिलिटी अमाउंट ₹.5 लाख या उससे कम हो - ₹.50 प्रति प्रॉपर्टीजब फैसिलिटी अमाउंट ₹5 लाख से अधिक हो - ₹100 प्रति प्रॉपर्टी
₹1,000/- प्रति कोटेशन
₹750/- प्रति घटना
₹200/- प्रति घटना
₹750/- प्रति घटना
कंज़्यूमर CIBIL रिपोर्ट के लिए ₹50/- प्रति रिपोर्ट और कमर्शियल CIBIL रिपोर्ट के लिए ₹500/- प्रति रिपोर्ट
बकाया मूलधन का 0.5% साथ ही लागू GST
0.25% + GST on principal outstanding, capped at 7500 /- per instance
₹ 500/- प्रति घटना
बकाया मूलधन का 2% साथ ही लागू GST
वास्तविक के अनुसार, जहां लागू हो
