Commercial Property Loan

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COMMERCIAL PROPERTY LOAN

Are you looking to invest in commercial property but require financial assistance? KIFS Housing Finance Ltd offers hassle-free loans against commercial properties at competitive interest rates. By using your commercial property as collateral, you can access funds and achieve your business goals.

Our tagline “LOAN WAHI JO AAPKE LIYE SAHI” reflects our commitment to providing our customers with loans that meet their specific needs. We believe that your commercial property can be an asset to help you expand your business and reach new heights, and we are dedicated to making this happen for you.

Loan Amounts:

With KIFS Housing Finance, you can borrow a Commercial Property Loan ranging from
1 lakh to 35 lakhs. Whether you are looking to purchase a new property, renovate an existing one, or finance other commercial expenses, we have a loan that suits your needs.

Interest Rates:

We offer competitive interest rates that are tailored to meet the needs of both salaried and self-employed individuals. Our interest rates are as follows:

SALARIED

SELF EMPLOYED

Loan Tenure:

Our Commercial Property Loan tenure ranges from 1 to 20 years, depending on your needs and repayment capacity. We understand that financial needs can arise at any time, and our loan tenure is designed to make the repayment process flexible and affordable for you.

Documents Required:

We require the following documents to process your Construction Loan application:
• Income Proof: Salary slips, bank statements, or Income Tax Returns (ITR) for the last three years.
• Identity Proof: Aadhar Card, Voter ID Card, Passport, or PAN Card.
• Age Proof: Birth Certificate, Passport, or Aadhar Card.
• Address Proof: Utility bills, Passport, or Aadhar Card.
• Employment Details: Appointment letter, salary slips, or employment certificate.
• Educational Proof: School/ Diploma/ Degree certificates.
• Bank Statements: Bank statements for the last six months.
• Property Details: If you have finalized the property on which the loan is applied.

Fees and Charges:

Once you have completed the formal application and document submission process, you need to pay a processing fee to maintain your Commercial Property Loan account. Our processing fee for your loan application is minimum and varies based on the loan amount.

At KIFS Housing Finance Ltd, we understand the importance of using your commercial property to achieve your business goals, and we are committed to helping you do so. Our team of experienced professionals will guide you through the entire Commercial Property Loan process, from application to disbursement, ensuring that your experience is stress-free and hassle-free.

Apply for a Commercial Property Loan online with KIFS Housing Finance Ltd today and take the first step towards achieving your business dreams!

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Approach for gradation of risk: The risk premium will be decided on a case to case basis as decided by the KIFSHFL. The approach for gradation of risk is based on factors such as nature of loan, credit worthiness of the borrower, nature of security, nature of the Product, type of asset being financed, borrower profile, repayment capacity, borrower’s other financial commitments, past repayment, tenure of the loan, geography (location) of the borrower, end use of the loan as represented by the underlying asset etc. Such information is collated based on the borrowers input, credit bureau and field inspection by the KIFSHFL officials. While deciding the interest rate and other charges, the rate offered by the Competitors in the market would also be taken into consideration. Please refer website for updated detail of rate of interest