Purchase finance
Funding for an office, shop, warehouse or other eligible commercial premises being acquired.
Property-backed finance
Commercial Property Loan
Commercial property finance can mean funding the purchase of a business property or raising money against a property already owned. These are different assessments, and this page helps you choose the correct route.
Loan against property
Unlock value from an eligible commercial property already owned without selling it.
Property review
Legal title, approved use, location, valuation, occupancy and marketability affect the route.
Purchase loan or loan against property?
A commercial property purchase loan is tied to acquiring the property. A loan against commercial property uses an existing asset as collateral for an eligible personal or business purpose.
Commercial property eligibility
Assessment combines borrower repayment capacity with the property value, legal acceptability and lender-specific loan-to-value limits. Rental income may be considered where documentation and lender policy allow.
Property and income documents
Typical files include title deeds, sanctioned plans or approvals, tax receipts, valuation access, KYC, bank statements, ITRs and business financials. The exact checklist depends on property and borrower type.
Compare the full borrowing cost
Review interest, processing fees, valuation and legal charges, insurance, benchmark resets and prepayment terms. A lower headline rate does not always mean a lower total cost.
Last verified: September 2026. Reference: HDFC Bank loan against property. Product availability, rates and terms vary by lender and profile.
Commercial Property Loan FAQs
Can a shop or office be used for LAP?
Many lenders consider eligible commercial properties, subject to legal, technical and valuation checks.
Is purchase finance the same as LAP?
No. Purchase finance funds acquisition; LAP is borrowing against an already-owned eligible property.
How much can I borrow?
The amount depends on property value, permissible LTV, income, obligations and lender policy.
Profile-led assessment
Discuss my property requirementFind the lender route that fits the requirement
Share the purpose, amount and basic profile. Quick Disburse will review possible routes; final approval remains with the lender.